Loan officer jobs and pay in California
149 mortgage companies in our directory are hiring or headquartered in California: 12 with job postings we have seen there and 142 headquartered there (5 of them both).
By company type, the largest group is retail independent mortgage banks (88), followed by credit unions (25).
The most common headquarters cities are San Diego (20), Irvine (18), Santa Ana (5).
22 of these companies have sourced loan officer comp information on file, and 14 of them publish numbers. The most common plan type in those facts is salary + bonus (10 of 29).
Companies with numeric loan officer pay on file include Guild Mortgage Company LLC, GoodLeap, LLC, and loanDepot.com, LLC.
Sourced postings located in California cover Irvine, Moorpark.
3 companies list remote roles in a source we cite.
California has required pay ranges in job posts since Jan 1, 2023 (employer threshold: 15+).
Loan officer pay summary
- Commission: 4 facts from 4 companies, ranging from 50 to 250 bps (median range midpoint 165 bps).
- Base or salary: 4 facts from 2 companies, ranging from $38,000 to $250,000 a year (median range midpoint $58,750).
- Hourly: 10 facts from 9 companies, ranging from $7.25 to $36.00 an hour.
- Plan types: Salary + bonus 10, Hourly + commission 8, Commission (bps) 6, Draw vs. commission 5.
Based on 29 sourced facts (18 with numbers, 11 describing the plan without amounts) from 22 companies hiring or headquartered in California, dated Oct 14, 2025 to Oct 29, 2026. 5 come from a posting located in California; the rest describe company-wide plans that may not be specific to California. Industry benchmarks and unsourced figures are excluded.
| Company | Role as posted | Plan type | Terms | Source and date |
|---|---|---|---|---|
| Guild Mortgage Company LLC | Loan Officer (Inside Sales - Reverse) | Hourly + commission | $17.47–$29.12/hr | Job posting, Oct 29, 2026 |
| GoodLeap, LLC | Senior Loan Officer, Mortgage CA posting | Salary + bonus | $16.90/hr | Job posting, Oct 29, 2026 |
| loanDepot.com, LLC | Mortgage Loan Officer (NMLS Required) | Hourly + commission | $12.00–$18.17/hr | Job posting, Oct 29, 2026 |
| Navy Federal Credit Union | Mortgage Loan Officer I/II | Salary + bonus | $25.00–$36.00/hr | Job posting, Oct 29, 2026 |
| PennyMac Loan Services, LLC | Mortgage Loan Officer | Salary + bonus | $50,000–$250,000/yr | Job posting, Oct 29, 2026 |
| PennyMac Loan Services, LLC | Loan Counselor I CA posting | Salary + bonus | $38,000–$53,000/yr | Job posting, Oct 29, 2026 |
| PennyMac Loan Services, LLC | Loan Officer (Consumer Direct Lending) | Salary + bonus | $50,000/yr | Job posting, Oct 29, 2026 |
| American Pacific Mortgage Corporation | Loan Officer, Sr (Vancouver, WA) | Commission (bps) | 50–120 bps | Job posting, Oct 29, 2026 |
| Carrington Mortgage Services, LLC | Mortgage Loan Officer II | Hourly + commission | $11.54–$14.70/hr | Job posting, Oct 29, 2026 |
| Cornerstone First Mortgage, LLC | Junior Loan Officer (Miami, FL) | Salary + bonus | $60,000–$75,000/yr | Job posting, Oct 29, 2026 |
| KBHS Home Loans, LLC | Mortgage Loan Originator (builder channel; WA, ID, CA) CA posting | Hourly + commission | $14.70–$18.81/hr | Job posting, Oct 29, 2026 |
| Mutual of Omaha Mortgage, Inc. | Reverse Mortgage Originator Development Program | Draw vs. commission | $11.54–$18.69/hr | Job posting, Oct 29, 2026 |
| Paramount Residential Mortgage Group, Inc. | Loan Officer (Miami, FL) | Commission (bps) | Up to 225 bps | Job posting, Oct 29, 2026 |
| Zillow Home Loans, LLC | Remote Mortgage Loan Officer (Illinois) | Hourly + commission | $11.40–$25.00/hr | Job posting, Oct 29, 2026 |
| Rocket Mortgage, LLC | Executive Loan Officer (San Diego, CA) CA posting | Hourly + commission | $17.31/hr | Job posting, Sep 3, 2026 |
| Loan Factory, Inc. | Loan Officer (1099 / W-2) | Commission (bps) | 250 bps · 100% split | Company-claimed, Feb 20, 2026 |
| Guild Mortgage Company LLC | Loan Officer - Reverse Mortgage Coach | Salary + bonus | $7.25–$12.02/hr | Job posting, Dec 17, 2025 |
| loanDepot.com, LLC | Loan Officer | Commission (bps) | 90–120 bps | Estimate, Oct 14, 2025 |
| Bank of America, N.A. | Mortgage Loan Officer - Orange County Metro | Draw vs. commission | Amounts not published | Job posting, Oct 29, 2026 |
| Wells Fargo Bank, National Association | Home Mortgage Consultant (SAFE) | Hourly + commission | Amounts not published | Job posting, Oct 29, 2026 |
| American Financial Network, Inc. | Loan Officer (branches) / Direct My Loan LO | Commission (bps) | Amounts not published | Job posting, Oct 29, 2026 |
| CMG Mortgage, Inc. | Loan Officer - Consumer Direct (Tempe/Phoenix, AZ; Charleston, SC) | Draw vs. commission | Amounts not published | Job posting, Oct 29, 2026 |
| Cornerstone Capital Bank, SSB | Loan Officer | Salary + bonus | Amounts not published | Job posting, Oct 29, 2026 |
| New American Funding, LLC | Sr. Loan Officer | Hourly + commission | Amounts not published | Job posting, Oct 29, 2026 |
| Primary Residential Mortgage, Inc. | Mortgage Loan Officer - Purchase-Focused, Full Support | Draw vs. commission | Amounts not published | Job posting, Oct 29, 2026 |
| Synergy One Lending, Inc. | Loan Officer / Direct-to-Consumer Loan Officer | Commission (bps) | Amounts not published | Public web page, Oct 29, 2026 |
| Rocket Mortgage, LLC | Mortgage Loan Officer (Cleveland) - 2026 start dates | Draw vs. commission | Amounts not published | Job posting, Oct 27, 2026 |
| Wells Fargo Bank, National Association | Home Mortgage Consultant (SAFE) | Salary + bonus | Amounts not published | Job posting, Sep 28, 2026 |
| loanDepot.com, LLC | Builder Loan Consultant CA posting | Salary + bonus | Amounts not published | Job posting, Jun 22, 2026 |
Companies with sourced loan officer pay
| Company | HQ | NMLS | Best sourced pay |
|---|---|---|---|
| Guild Mortgage Company LLC | San Diego, CA | 3274 | LO: $17.47–$29.12/hr |
| GoodLeap, LLC | Roseville, CA | 30336 | LO: $16.90/hr |
| loanDepot.com, LLC | Irvine, CA | 174457 | LO: $12.00–$18.17/hr |
| Navy Federal Credit Union | Vienna, VA | 399807 | LO: $25.00–$36.00/hr |
| PennyMac Loan Services, LLC | Westlake Village, CA | 35953 | LO: $50,000–$250,000/yr |
| Rocket Mortgage, LLC | Detroit, MI | 3030 | LO: $17.31/hr |
| Loan Factory, Inc. | San Jose, CA | 320841 | LO: 250 bps · 100% split |
| American Pacific Mortgage Corporation | Roseville, CA | 1850 | LO: 50–120 bps |
| Carrington Mortgage Services, LLC | Orange, CA | 2600 | LO: $11.54–$14.70/hr |
| Cornerstone First Mortgage, LLC | San Diego, CA | 173855 | LO: $60,000–$75,000/yr |
| KBHS Home Loans, LLC | Irving, TX | 1542802 | LO: $14.70–$18.81/hr |
| Mutual of Omaha Mortgage, Inc. | San Diego, CA | 1025894 | LO: $11.54–$18.69/hr |
| Paramount Residential Mortgage Group, Inc. | Corona, CA | 75243 | LO: Up to 225 bps |
| Zillow Home Loans, LLC | Irvine, CA | 10287 | LO: $11.40–$25.00/hr |
| Bank of America, N.A. | Charlotte, NC | 399802 | LO: Draw vs. commission, rates not published |
| Wells Fargo Bank, National Association | Sioux Falls, SD | 399801 | LO: Hourly + commission, rates not published |
| American Financial Network, Inc. | Brea, CA | 237341 | LO: Commission (bps), rates not published |
| CMG Mortgage, Inc. | San Ramon, CA | 1820 | LO: Draw vs. commission, rates not published |
| Cornerstone Capital Bank, SSB | Houston, TX | 2258 | LO: Salary + bonus, rates not published |
| New American Funding, LLC | Santa Ana, CA | 6606 | LO: Hourly + commission, rates not published |
| Primary Residential Mortgage, Inc. | Salt Lake City, UT | 3094 | LO: Draw vs. commission, rates not published |
| Synergy One Lending, Inc. | San Diego, CA | 1907235 | LO: Commission (bps), rates not published |
Related
- All mortgage companies hiring in California
- Filter loan officer employers in California
- Loan officer pay nationwide
- How loan officer comp works and the bps calculator
Loan officer pay in other states
California (22)Texas (12)Michigan (5)Florida (12)New York (7)Illinois (9)Arizona (15)Pennsylvania (5)Ohio (11)Virginia (8)
How we source and date pay facts: methodology. Spot an error? Send a correction.