2026 National and UST Mortgage Practice Exam – Comprehensive Test Prep

The primary concern for mortgage brokers in transactions is compensation for originating a loan. Mortgage brokers act as intermediaries between borrowers and lenders, helping clients obtain financing for real estate purchases. Their income typically comes from fees or commissions associated with the loans they help originate, making financial compensation a key focus in their transactions.

While other factors, such as timely processing of applications and ensuring that clients receive a maximum loan amount, are certainly important, the direct motivation for mortgage brokers often revolves around how they will be compensated for their services. Their viability in the market commonly depends on successfully closing loans and earning their share, which drives many of the actions they take during the transaction process.

The focus on maximizing the loan amount or ensuring prompt processing is typically aligned with delivering good service and meeting client needs, but ultimately, the broker's financial gain from originating loans remains a top concern in the architecture of residential mortgage transactions.