Remote Loan Officer Jobs
Remote Loan Officer jobs are open across the US at companies hiring remotely, from entry-level roles at remote-first startups to senior roles on large distributed teams, with employers like Zillow, Rocket Mortgage, and AmeriSave Mortgage hiring right now. See the openings below and apply to the ones that match your experience.
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ABOUT OUR COMPANY:
The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial.
Over the years, our mission has expanded to include helping people with other forms of debt - such as refinancing credit cards, which are at all time highs in the US. And we’ve been able to refinance $6+ Billion in loans through our network of Splash, powered credit union and bank partners who leverage our marketplace and automated loan processing technology. And we’ve raised over $135 million from investors like partners of DST Global, Citi Ventures, TruStage Ventures, Northwestern Mutual Future Ventures, Detroit Venture Partners and more.
But at our core, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt and we’re just getting started.
ABOUT OUR WORKPLACE:
Splash is remote-first, and proud of it — though our collections team works in-person at our Arizona location.
We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we’re focused on building financial technologies that fundamentally transform how the industry lends.
Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work, and we approach challenges with creativity, passion, and urgency.
And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar.
At Splash, everything we do is guided by our values:
- Own It – We take full accountability and follow through on commitments.
- Raise the Bar – We move fast, innovate faster, and push through barriers.
- Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better.
- Elevate Each Other – We win as a team by lifting each other up.
These values show up in how we work and how we connect — whether we’re collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food, because we believe being human makes us better teammates.
ABOUT THE ROLE:
Splash Financial is seeking a motivated and customer-obsessed Mortgage Loan Officer (MLO) to join our growing Lending team. In this role, you’ll serve as a trusted advisor to borrowers, guiding them through the mortgage process with empathy, clarity, and confidence. You’ll play a key role in helping our customers achieve their financial goals while delivering an exceptional experience that reflects Splash’s values. As we continue expanding into the mortgage space, you’ll have the opportunity to help shape our strategy, influence new product offerings, and work cross-functionally with operations, product, and compliance teams. This is a unique chance to join a mission-driven fintech company at a pivotal moment in its growth journey. If you're passionate about helping people make smart financial decisions and enjoy a fast-paced, collaborative environment, we want to hear from you!
WHAT YOU’LL DO AT SPLASH:
- Advise customers on mortgage loan products and guide them through the end-to-end application and approval process.
- Build and maintain strong relationships with borrowers, offering consistent and clear communication throughout their journey.
- Collaborate with underwriting and processing teams to ensure timely and accurate loan closings.
- Stay informed of lending regulations, market trends, and mortgage product updates to provide expert guidance.
- Contribute feedback to help refine and improve Splash’s mortgage processes, tools, and customer experience.
WHAT YOU’LL BRING TO SPLASH:
- Must hold California-DRE Real Estate Salesperson License Mortgage Loan Originator (MLO) License Endorsement.
- 1+ years of experience in residential mortgage lending with a track record of meeting or exceeding performance goals.
- Excellent interpersonal and communication skills, with a customer-first mindset.
- Strong knowledge of mortgage products, regulatory requirements, and loan processing workflows.
- Tech-savvy and comfortable using digital tools to manage leads, documentation, and customer interactions.
PAY:
Pay: $35.90 - $44.50 per hour
BENEFITS:
- 401(k)
- Dental insurance
- Health insurance
- Parental leave
- Vision insurance
- Work from home
APPLICATION QUESTION(S):
- Do you currently hold an active California Department of Real Estate (DRE) license?
- If you do hold an active California Department of Real Estate License (DRE), please provide your license number.
WORK LOCATION:
Work Location: Remote
ABOUT OUR COMPANY:
The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial.
Over the years, our mission has expanded to include helping people with other forms of debt - such as refinancing credit cards, which are at all time highs in the US. And we’ve been able to refinance $6+ Billion in loans through our network of Splash, powered credit union and bank partners who leverage our marketplace and automated loan processing technology. And we’ve raised over $135 million from investors like partners of DST Global, Citi Ventures, TruStage Ventures, Northwestern Mutual Future Ventures, Detroit Venture Partners and more.
But at our core, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt and we’re just getting started.
ABOUT OUR WORKPLACE:
Splash is remote-first, and proud of it — though our collections team works in-person at our Arizona location.
We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we’re focused on building financial technologies that fundamentally transform how the industry lends.
Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work, and we approach challenges with creativity, passion, and urgency.
And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar.
At Splash, everything we do is guided by our values:
- Own It – We take full accountability and follow through on commitments.
- Raise the Bar – We move fast, innovate faster, and push through barriers.
- Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better.
- Elevate Each Other – We win as a team by lifting each other up.
These values show up in how we work and how we connect — whether we’re collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food, because we believe being human makes us better teammates.
ABOUT THE ROLE:
Splash Financial is seeking a motivated and customer-obsessed Mortgage Loan Officer (MLO) to join our growing Lending team. In this role, you’ll serve as a trusted advisor to borrowers, guiding them through the mortgage process with empathy, clarity, and confidence. You’ll play a key role in helping our customers achieve their financial goals while delivering an exceptional experience that reflects Splash’s values. As we continue expanding into the mortgage space, you’ll have the opportunity to help shape our strategy, influence new product offerings, and work cross-functionally with operations, product, and compliance teams. This is a unique chance to join a mission-driven fintech company at a pivotal moment in its growth journey. If you're passionate about helping people make smart financial decisions and enjoy a fast-paced, collaborative environment, we want to hear from you!
WHAT YOU’LL DO AT SPLASH:
- Advise customers on mortgage loan products and guide them through the end-to-end application and approval process.
- Build and maintain strong relationships with borrowers, offering consistent and clear communication throughout their journey.
- Collaborate with underwriting and processing teams to ensure timely and accurate loan closings.
- Stay informed of lending regulations, market trends, and mortgage product updates to provide expert guidance.
- Contribute feedback to help refine and improve Splash’s mortgage processes, tools, and customer experience.
WHAT YOU’LL BRING TO SPLASH:
- Must hold California-DRE Real Estate Salesperson License Mortgage Loan Originator (MLO) License Endorsement.
- 1+ years of experience in residential mortgage lending with a track record of meeting or exceeding performance goals.
- Excellent interpersonal and communication skills, with a customer-first mindset.
- Strong knowledge of mortgage products, regulatory requirements, and loan processing workflows.
- Tech-savvy and comfortable using digital tools to manage leads, documentation, and customer interactions.
PAY:
Pay: $35.90 - $44.50 per hour
BENEFITS:
- 401(k)
- Dental insurance
- Health insurance
- Parental leave
- Vision insurance
- Work from home
APPLICATION QUESTION(S):
- Do you currently hold an active California Department of Real Estate (DRE) license?
- If you do hold an active California Department of Real Estate License (DRE), please provide your license number.
WORK LOCATION:
Work Location: Remote
See All 94 Remote Loan Officer Jobs
Find roles that match your experience and apply in just a few clicks.
Find Remote Loan Officer JobsRemote Loan Officer Job Market
Who's Hiring
- Zillow24
- Rocket Mortgage16
- AmeriSave Mortgage9
- Progress Residential7
- CrossCountry Mortgage7
Top Industries Hiring
- Construction & Real Estate47
- Banking & Financial Services23
- Staffing & Recruiting4
- Insurance3
- Fintech1
What Employers Look For
The qualifications that appear most often in remote loan officer jobs.
- Active NMLS license or eligibility to obtain one upon hire
- Experience originating residential mortgage or consumer loans
- Proficiency with loan origination software such as Encompass or Calyx
- Knowledge of federal lending regulations including TRID, RESPA, and HMDA
- Strong pipeline management and CRM skills
- Bachelor's degree in finance, business, or a related field preferred
Tips for Your Remote Loan Officer Job Search
Tailor your resume to loan type
Residential mortgage, commercial, and consumer lending each have distinct vocabularies. Match your resume's language to the loan type in each posting, underwriting experience that reads as 'mortgage origination' lands differently than 'commercial credit analysis,' even for similar work.
List your NMLS license prominently
Your NMLS license number belongs in your resume header or a dedicated credentials section, not buried in a summary paragraph. Hiring managers screen for it fast, and missing it can get your application filtered out before anyone reads your experience.
Apply early to roles that fit
Migrate Mate lists loan officer openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target openings by portfolio size
Job postings often signal the book of business you'd be expected to build or inherit. If a posting mentions a minimum annual origination volume, make sure your resume references comparable numbers from previous roles to show you can hit that target.
Prepare for a scenario-based interview
Loan officer interviews frequently include credit scenario questions where you walk through a borrower's file, identify red flags, and explain your decision. Practice articulating your reasoning on DTI ratios, compensating factors, and guideline exceptions before you get in the room.
Negotiate on more than base salary
Most loan officer offers include a commission structure, lead allocation, and processing support that vary widely by employer. Ask specifically how leads are distributed, whether you're buying your own leads, and what backend support looks like, these factors shape your actual earning potential more than base pay alone.
Remote Loan Officer Jobs: Frequently Asked Questions
How do I get a remote loan officer job?
Target companies that already run distributed teams, since they hire remotely by default and know how to onboard someone they never meet in person. Remote loan officer employers screen hard for self-direction and clear written communication on top of the core skills, so show evidence you can own work without someone over your shoulder. Apply to the openings above that match your experience.
Which companies hire remote loan officers?
Remote loan officer roles are posted by Zillow, Rocket Mortgage, and AmeriSave Mortgage and others right now, based on current remote listings on Migrate Mate as of June 2026. Remote-first firms and large companies running distributed teams post the most remote loan officer roles.
Can you get a remote loan officer job with no experience?
Yes, but it is harder than an on-site role, because remote work expects you to operate independently from the start. Entry-level remote loan officer openings do exist, especially at remote-first companies, and a portfolio of real work helps more than a long resume. Applying broadly to the roles that fit improves your odds.
Do you need a degree for remote loan officer jobs?
Not always. Many employers hire remote loan officers on demonstrated skills and prior work rather than a specific degree, though some larger companies still prefer one. Showing relevant results matters more than a credential for most remote loan officer roles.
Which industries hire the most remote loan officers?
The sectors hiring the most remote loan officers are Construction & Real Estate, Banking & Financial Services, and Staffing & Recruiting, based on current remote listings on Migrate Mate as of June 2026. These sectors run distributed teams and hire loan officers remotely most consistently.
See All 94 Remote Loan Officer Jobs
Find roles that match your experience and apply in just a few clicks.
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