Loan Officer Jobs in California
Loan officer jobs in California are among the most active in the country, concentrated in mortgage lending, consumer finance, and commercial real estate across a market driven by the state's high home values and large population. Los Angeles, San Francisco, and San Diego account for the bulk of openings, with established lenders like Wells Fargo, Bank of America, and United Wholesale Mortgage maintaining a consistent California presence. Residential mortgage and commercial lending are the most in-demand specialties, with roles available from entry-level loan officer assistant through senior and branch manager levels. Find a role that fits below and apply directly.
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Overview
Inside Loan Agents receive 100% inbound calls from qualified home shoppers looking to make their next purchase. We pay top commissions, and supply the best ongoing training and leadership in the Call Center Industry, all focused on your success. NAF LO's have all the modern tools needed to move fast and be successful, including:
- Industry leading Comp Plan with super low online rates and fees.
- 1000's of Real Estate partners to help your borrower find a home quick, and ensure the loan closes with you.
- The latest and fastest CRM and LOS systems.
- NAF's Rapid app ensures quick and accurate 1003's from your borrower, on their cell phone.
- Texting ability from our CRM, as well as mass voice mails to reach a group.
- We service our own loans, your picture and contact info stay on their mortgage coupon.
- All your funded clients are yours to keep, you get the refinances and referrals for higher comp!
Let us show you a solid plan for ensuring a repeat and stable business plan to smooth out the ups and downs of the Mortgage Industry.
Salary
Minimum wage + OT + full time benefits including 401k + paid holidays + paid vacation
Responsibilities
- Builds rapport and leverages customer relationships with existing and potential borrowers with the goal of meeting customer needs and exceeding their expectations.
- Analyze customers' financial situations and provide the appropriate solution by advising customers as to the appropriate loan product for them.
- Excel in a fast paced environment with the ability to multitask and follow up with multiple customers and work on multiple files each and every day.
- Accept multiple live, qualified inbound leads daily.
- Lock loans at point of sale, request initial documents from the customer, and submit an initial, paperless loan package to production staff.
- Structure and price loans accurately.
Qualifications
- 2+ years' full time purchase or refinance loan origination experience; call center environment preferred.
- Strong desire to succeed in a sales environment and be a top producer.
- Ability to correctly and accurately structure and price loans.
- Complete knowledge of conventional and government loan programs (purchase and refinance).
- Current NMLS license. (Must have passed National test & 20 hour lic. course.)
Desired Education/Experience
- High School Diploma or equivalent
- Two or more recent years' full time loan origination experience, preferably in a call center environment
- Current NMLS license.
Other Duties: This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned in order to meet the needs of the organization.
Work Authorization: Must be able to verify identity and employment eligibility to work in the U.S.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information.
VISION: See in the normal visual range with or without correction.
HEARING: Hear in the normal audio range with or without correction.
[EOE/M/F/D/V. Drug-free workplace.]
See All 29 Loan Officer Jobs in California
Find roles in California that match your experience and apply in just a few clicks.
Find Loan Officer JobsLoan Officer Jobs by City in California
Where California roles are concentrated, by current openings.
Loan Officer Job Market in California
A snapshot from current California openings, updated as new roles post.
Who's Hiring
- Bank of Hope7

- New American Funding5

- AmeriHome Mortgage Company3

- CrossCountry Mortgage3

- Hankey2

Top Industries Hiring
- Banking & Financial Services25
- Construction & Real Estate3
- Investment & Asset Management2
- Consulting & Professional Services1
- Technology & Software1
What California Employers Look For
The qualifications that appear most often in loan officer jobs across California.
- Active Nationwide Multistate Licensing System registration and California DBO MLO license endorsement required
- Proven experience originating conventional, FHA, VA, or jumbo loan products
- Strong knowledge of California real estate lending regulations and compliance requirements
- Demonstrated ability to build and maintain a referral network with realtors and brokers
- Proficiency with loan origination software such as Encompass or Calyx Point
- Bachelor's degree in finance, business, or a related field preferred by most employers
Loan Officer Jobs in California: Frequently Asked Questions
How do you become a loan officer in California?
To become a mortgage loan originator in California, you must obtain a license through the California Department of Financial Protection and Innovation by completing pre-licensing education, passing the NMLS SAFE Mortgage Loan Originator Test, and registering through the Nationwide Multistate Licensing System. Commercial and consumer lending roles at banks may not require the state license but typically expect a relevant degree and on-the-job training through employer programs.
How much do loan officers make in California?
Loan officers in California earn a median of about $81,770 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $37,460 for the lowest 10% to over $169,040 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire loan officers in California?
Employers hiring loan officers in California right now include Bank of Hope, New American Funding, and AmeriHome Mortgage Company, based on current listings on Migrate Mate as of June 2026. California's high home prices and active real estate market keep major banks, credit unions, and independent mortgage companies posting openings throughout the year.
Which California cities have the most loan officer jobs?
Los Angeles, Irvine, and Buena Park have the most loan officer openings in California. Los Angeles dominates due to its sheer population size and one of the most active residential real estate markets in the country, while San Francisco and San Diego attract commercial and jumbo loan specialists tied to high property values and the concentration of large financial institutions in those metros.
Are there remote loan officer jobs in California?
Yes, and more than most financial roles, since loan origination is largely phone- and document-driven. About 14% of loan officer openings tied to California are remote or hybrid as of June 2026, reflecting how much of the role can be handled digitally. Consumer and mortgage loan officers working with established referral networks tend to have the most flexibility, while commercial and construction lending roles are more likely to require in-person client contact.
How can I get hired as a loan officer in California with little or no experience?
The most realistic entry path is a loan officer assistant or loan processor role at a California credit union or regional bank, which lets you learn the origination process while working toward your NMLS license. Large California employers like Golden 1 Credit Union and SchoolsFirst Federal Credit Union run structured onboarding tracks for new hires without origination experience. Completing your California DBO pre-licensing coursework before applying gives you a clear edge over candidates who haven't started the licensing process.
Where can I find and apply to loan officer jobs in California?
You can find and apply to loan officer jobs in California on Migrate Mate, which lists current California openings across mortgage, consumer, and commercial lending. Find roles that match your license level, specialty, and preferred location, then apply directly to each employer through the listing.
See All 29 Loan Officer Jobs in California
Find roles in California that match your experience and apply in just a few clicks.
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