Kapitus changed to paying on the net during covid. I am sure the higher ups haven't changed it back due to an increase in profitability. There are a few workarounds if you have the volume. You can get them to pay on gross with 7 figures in monthly volume. I also believe they have a tier where they pay on half of the refi'd amount. Last option is get your rep to give you an aggressive monthly volume bonus. The only thing I will say in their defense is they have been pretty aggressive on discounting refi balances for most of my deals. Other than that I agree, yes its **** and their greed has made me far less loyal to them.