Senior Loan Officer — Join Matador Lending

Position Overview

Matador Lending is a fast-growing independent mortgage brokerage built on the belief that top-producing loan officers deserve maximum pricing power, complete compensation transparency, and real business support — not overrides, bureaucracy, or a capped income ceiling.

This role is designed for an experienced originator who is ready to operate as a true entrepreneur: run your own business, set your own schedule, and build income that compounds over time.

About Matador Lending

Matador Lending is an independent mortgage brokerage with access to 150+ wholesale lenders, in-house correspondent pricing, and — following our merger with Go Rascal — licensing in all 50 states. We were founded by originators who were tired of leaving money on the table at retail shops, and built the platform we always wished existed.

Published per-file compensation, a done-for-you marketing team, AI-enabled operations, an in-house hard money channel, a commercial referral program, and a revenue share model make us one of the most comprehensive platforms for independent loan officers in the country.

Key Responsibilities

Lead Generation & Relationship Management

Own and grow a self-sourced pipeline. Deepen relationships with Realtors, builders, investors, and past clients, supported by our in-house marketing team and our proven playbooks for Realtor referral partners, builder partnerships, and direct-to-consumer campaigns — built around your personal brand rather than a corporate template.

Loan Structuring & Client Advisory

Advise borrowers across conventional, FHA, VA, USDA, jumbo, non-QM, DSCR, and investor programs. Shop each file across 150+ wholesale lenders — including Pylon, an AI-driven wholesale lender — and our correspondent channel to put the strongest structure and pricing in front of the client.

Transaction Management

Take files from application to clear-to-close in ARIVE with AI-assisted workflows, AI loan product guidance, and processing support, keeping borrowers and referral partners informed at every milestone.

Why Matador?

Published compensation, not a split

You set your comp and keep 100% of it, minus published per-file fees from a schedule every originator here works from. No tiered splits. No branch manager overrides. You know exactly what you keep on every single loan.

150+ lenders and all 50 states

Wholesale relationships, correspondent pricing, and nationwide licensing mean you can compete on rate, say yes to files that don't fit a single retail box, and follow your referral partners across state lines.

Out-of-state referral program

When a deal lands in a state you aren't licensed in, refer it inside the platform and keep 50% of the net payroll on that file. You keep the relationship instead of handing the deal to a competitor.

Marketing, CRM & brand

A branded LO website, a full CRM at no additional cost, in-house graphic design, monthly social content, and video support — included in the platform. If you've built a name already, we support DBAs for established brands.

Support that answers

A company-wide sales meeting every week, dedicated office hours with leadership, and a support desk for live files. No middle management, no layers between you and a decision.

Bring your team

Leading a branch or a team? We support full branch moves under our branch model, and will build the comp and support structure around what you're bringing.

Qualifications

Required

• Active NMLS license in any state — we sponsor in all 50
• Minimum 5 years of successful experience as a licensed Loan Officer or Mortgage Broker
• Proven track record of self-sourcing and consistently closing residential loans
• Expert knowledge of conventional, FHA, VA, USDA, non-QM, DSCR, and investment loan programs
• Proficiency with broker LOS systems (ARIVE, Encompass, UWM BOLT, or equivalent)
• Strong consultative sales and communication skills
• Ability to operate independently in a remote-friendly, fast-paced brokerage environment

Preferred, not required

• Existing referral relationships with Realtors, builders, or investors
• Experience with hard money, commercial, or DSCR loan origination
• Multi-state licensing, or a team or branch you'd want to bring with you

Compensation

100% commission — published per-file fee structure. You set your comp plan and keep all of it, minus fees from our published schedule. No splits, no overrides, no surprises.

• Broker (wholesale) files: $995 corporate admin fee plus a $200 Matador branch fee. New York files carry a $1,295 admin fee in place of the $995.
• Correspondent (non-del) files: $995 corporate admin fee plus a margin adjustment built into pricing — 0.375 on conventional and jumbo, 0.500 on VA, FHA, USDA and non-QM.
• Optional per file: corporate or branch processing at $995 and LOA concierge at $795. On correspondent files the processing fee can be charged to the borrower instead of netting out of your commission — your call, file by file. On broker files it nets out of your commission.
• Monthly tech package: $185 for 1099 originators, $260 for W2 — billed against commission, independent of volume.
• Out-of-state referrals: 50% of net payroll on files you refer inside the platform.
• W2 with benefits or 1099, depending on your state and loan programs. Uncapped earning potential, plus revenue share, hard money and commercial income.

Apply Now

Ready to stop leaving money on the table? Schedule a confidential 20-minute call with Matador leadership to learn exactly what your compensation and business would look like on our platform. No obligation. No pressure. Just an honest conversation.

Licensed outside Texas? You can join the national platform directly instead of the Houston branch — same lenders, same flat-fee economics, no branch layer. Compare the two routes.

Not quite the right fit? If you're 2–5 years in and ready to go independent, look at our Loan Officer positions instead.