Mortgage Loan Officer/Mortgage Banker/Branch manager

Mortgage Loan Officer – 100% Commission | Flat-Fee | CA (Remote or In-Office)

Keep your commission. We take the flat fee—you take the rest.

At Citizens Financial – The Badges Broker, we’re not just disrupting mortgage comp—we’re arming our Loan Officers with the most advanced AI-driven platform in the industry. Every LO who joins gets their own independent CRM database, with inbound/outbound AI, automated nurture, and a full suite of digital marketing and client-engagement tools.

This is the future of mortgage origination—high-touch relationships supported by cutting-edge automation.

Why Move to Citizens Financial?

• $888 Flat Fee Per Closed Loan

You keep 100% of your commission, minus our flat fee.

• Ultra-Lean $60/month Tech Stack

LOS, CRM, credit, compliance, Google Workspace. Compare that to Loan Factory’s $1,095 overhead plus W-2 deductions.

• AI Platform – Exclusive to Our Loan Officers
• AI Inbound & Outbound Calling Agents – Never miss a lead; AI qualifies, answers FAQs, and live-transfers when ready.
• 2-Way SMS, Email, Voicemail & Chatbot Nurture – 7-channel follow-up system with up to 80% response rates.
• Personalized CRM Database – Your entire pipeline, current and future, hosted independently for your business.
• Lead Capture & Conversion – Website, social media, and Google leads instantly flow into your AI bot, booking qualified calendar appointments.
• Live Call Transfer + Appointment Booking – AI fills your calendar while you focus on closing.
• AI Website Orb – Engage visitors directly on your page in real time.
• Reputation Tools – Automated Google/Facebook review requests and brand management.
• Advanced Reporting & Mobile App – Track, manage, and close deals anywhere.
• Remote Flexibility + Office Access

Work anywhere in California, or from our Northern CA office.

• Full Product Suite

FHA, VA, DPA, DSCR, Non-QM, Reverse, ITIN, and more.

• Optional Bonus Opportunities

Present at live events, partner with community groups, and earn performance bonuses.

Ideal Candidate

• NMLS-licensed in California (must)
• Experienced independent originator with proven production
• Entrepreneurial mindset + tech-forward outlook
• Strong communicator who builds trust with clients and partners
• Bonus: Comfortable with public speaking & community events

About Us

For 19+ years, Citizens Financial has proudly served California homeowners and public servants—educators, first responders, healthcare workers, CDCR staff, and veterans—through our Badges Broker brand. With our flat-fee model + AI-driven platform, we’re redefining what it means to be a modern mortgage professional.

Apply today to keep your commission, own your pipeline, and become a true next-gen Loan Officer.

Job Types: Full-time, Part-time, Contract

Pay: $49,033.04 - $375,000.00 per year

Benefits:

• 401(k)
• 401(k) 3% Match
• Dental insurance
• Flexible schedule
• Health insurance
• Opportunities for advancement
• Professional development assistance
• Vision insurance
• Work from home

Work Location: Remote