Citizens Financial | The Badges Broker
100% Remote in California | 100% Commission Opportunity | Flat Fee Model | W-2 or 1099 | 2+ Years Experience Preferred
Citizens Financial is hiring California loan officers who want better pricing flexibility, stronger product access, and a mission-driven brand built around service, education, and community impact.
We are looking for mortgage professionals who know how to build relationships, manage a pipeline, serve clients with confidence, and grow their business without being boxed into a traditional retail structure.
Why Citizens Financial
Citizens Financial is a California-based mortgage brokerage and mortgage banker known as The Badges Broker.
We proudly serve those who serve, including first responders, CDCR officers, law enforcement, military families, veterans, educators, healthcare professionals, public servants, and hardworking California homebuyers.
Our mission gives loan officers a clear market identity:
Service. Education. Community. Honor.
Compensation Model
Our structure is built for producing loan officers who want clarity, flexibility, and control.
Flat fee per closed loan: TBD / proposed $555–$585
100% commission opportunity on self-generated business
No processing fee charged to the loan officer
No 10% admin charge for 1099 loan officers
W-2 employees will have a 10% administrative/payroll charge
Technology/admin platform fee: TBD
Fairness Clause: If the flat fee exceeds 20% of gross commission, the loan officer pays the lesser amount.
After 50 funded loans in an anniversary year, the flat fee may be waived for the remainder of that year.
Dynamic Pricing Advantage
We give loan officers the flexibility to structure deals around the client.
You receive access to:
Dynamic pricing across our lender network
Mortgage brokerage and mortgage banking execution
VA, FHA, Conventional, Jumbo, DPA, DSCR, Non-QM, ITIN, Reverse, Portfolio, and investor lending options
Leadership support, deal strategy, CRM tools, marketing support, and remote-first workflow
Optional NorCal and SoCal hub office access
Who We Want
Ideal candidates have:
Active California MLO license through DRE or DFPI
2+ years of recent mortgage origination experience preferred
California residency
Self-sourced or referral-based production experience preferred
Strong communication and follow-up discipline
Professional, ethical, relationship-driven approach
Interest in serving community-based referral networks
The Bottom Line
Citizens Financial is built for loan officers who want more control, better structure, and a stronger story in the marketplace.
If you are a California loan officer ready to grow under a mission-driven platform, let’s talk.
Apply now: www.citizensfinancial.co
Email: [email protected]
Phone: (707) 800-6047
Citizens Financial | The Badges Broker
Better Pricing. Better Structure. Better Mission.
Pay: $49,999.99 - $149,999.99 per year
Benefits:
- 401(k)
- 401(k) 3% Match
- Flexible schedule
- Health insurance
- Work from home
Application Question(s):
- Do you currently hold an active MLO License (DRE or DFPI)?
- Are you currently licensed in California?
- How many years of mortgage loan origination experience do you have?
- Are you a self-sourced MLO or are you reliant on company provided leads?
Work Location: Remote
