LPT Realty vs. Coldwell Banker | TPL Collective
LPT Explained Why TPL Fee Plans Who Joined Free Resources Blog Book a Call
Commission Comparison

CB Agents Are Paying $42,000+ More Per Year

Coldwell Banker is a legendary brand. But when you add the split, the 6% franchise fee, the desk fee, and transaction fees — it's the most expensive model we've analyzed. Here's the comparison.

Feature Comparison

Feature LPT Realty Coldwell Banker
Commission Split 100% 50/50 (new) to 90/10 (top)
Annual Cap $5,000 None — you split all year
Franchise Fee None 5–8% of GCI (no cap)
Monthly Desk Fee $0 $100–$179/mo
Transaction Fee $195/deal ~$200/deal
Revenue Share HybridShare available None
Stock / Equity LPTA (Nasdaq reserved) None
AI Tools Dezzy.ai · RecruitAssist · Media Stack MoxiWorks CRM
Global Luxury No equivalent Yes (certification + referrals)

What You Actually Keep

12 deals · $450K average price · 2.5% commission

Coldwell Banker (70/30 split)
Gross Commission Income (GCI) $135,000
Franchise fee (6% of GCI) −$8,100
Split (30% of remaining) −$38,070
Desk fee ($135/mo × 12) −$1,620
Transaction fee ($200 × 12) −$2,400
Total Brokerage Cost −$50,190
Take-Home $84,810
LPT Realty (Business Builder)
Gross Commission Income (GCI) $135,000
Flat fee cap −$5,000
Processing ($195 × 12) −$2,340
Annual fee −$500
Total Brokerage Cost −$7,840
Take-Home $127,160
You'd Keep $42,350 More Per Year at LPT
$3,529 more per month · $211,750 more over 5 years

The Fee Most CB Agents Never Calculate

Coldwell Banker charges a franchise fee of approximately 6% of your gross commission income. It never caps. Here's what that looks like at different production levels.

Your GCI Franchise Fee (6%)
$100,000$6,000
$150,000$9,000
$200,000$12,000
$300,000$18,000
$500,000$30,000
The franchise fee alone costs more than everything at LPT — combined — at virtually every production level. And it never caps.

Where LPT Wins

💰
The Cost Gap Is $42,350/Year

CB: $50,190/year. LPT: $7,840. Over 5 years, that's $211,750.

🚫
No Franchise Fee. No Split. No Desk Fee.

Flat $500/deal, capped at $5K/year. No percentage of your GCI going to a franchise.

You Actually Cap

CB has no universal cap. You split all year. At LPT, you cap at $5,000 — usually within months.

🤖
AI Tools Included

Lofty CRM plus Dezzy.ai, RecruitAssist, and Media Stack — tools no other brokerage offers.

Where Coldwell Banker Wins

Global Luxury program — CB's luxury certification, marketing, and referral network are best-in-class for high-end agents.
Brand recognition — Coldwell Banker is a household name. In some markets, the brand on a yard sign wins listings.
Physical offices — In-person collaboration, local broker support, and office space.
The Compass Factor: In January 2026, Compass acquired Anywhere Real Estate — CB's parent company. While CB agents wait to see what changes, LPT's model stays the same: $500/deal, $5K cap.

Who LPT Is Best For

CB agents who've never calculated their total annual brokerage cost
Mid-career agents who no longer need CB's onboarding and training
Agents who don't work in luxury and don't use Global Luxury
Team leaders whose entire team is overpaying through percentage splits
Ready to See Your Numbers?

The Math Is Yours

No pressure. No pitch deck. Run the calculator or book 20 minutes with Joe.

Free · No obligation · Calculator requires no email
CB fees vary by office (company-owned vs franchise) and individual agreement. Figures reflect common ranges from publicly reported data. LPT figures reflect current Business Builder fee structure. TPL Collective is a community platform. LPT Realty is the brokerage.