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Mortgage Loan Officer/Mortgage Banker/Branch Manager

Citizens Financial, Sacramento, CA, United States


100% Commission | $555 Flat Fee | Remote | California | W-2 or 1099

Citizens Financial –

The Badges Broker

– is built for Loan Officers who want more control, more support, and more upside.

As the mortgage industry continues to shift in 2026, many LOs are being asked to produce more while giving up more. We offer a different model: transparent compensation, internal company marketing, modern AI-powered systems, and the opportunity to grow beyond personal production.

What We Offer:

100% commission on self-generated business

$555 flat fee per closed loan

Fairness Clause — if $555 exceeds 20% of your gross commission, you pay the lesser amount

W-2 or 1099 options

Full ownership of your pipeline and database

No split erosion, surprise fees, or clawbacks

Support That Helps You Grow:

Company-backed internal marketing support

Social media content, branded marketing materials, and campaign support

Admin support and modern AI-powered CRM systems

Automated follow-up, review management, and lead engagement

Access to GoHighLevel, Monday CRM, LOS, branded domains, and more

Build More Than Production:

Opportunity to build a branch

Recruit and grow a team

Multiple income stream potential through leadership and expansion

Ideal For:

Experienced Mortgage Loan Officers

Retail LOs tired of traditional splits

Newly licensed LOs or those pursuing a CA NMLS license

Loan Officers ready to build, scale, and lead

Active California NMLS required (DFPI or DRE).

If you are looking for a platform that gives you the freedom to earn, the support to grow, and the ability to build something bigger long term, we should connect.

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