Mortgage Loan Originator

Job Description

Job Description

Mortgage Loan Originator (MLO) – Oregon Only

Company: Western Mortgage Brokers, Inc.
Location: Oregon (Remote / Work From Home Only)
Compensation: 60% Commission Split – No Production Tiers or Monthly Volume Requirements

Position Overview

Western Mortgage Brokers, Inc. is seeking both experienced Mortgage Loan Originators licensed in Oregon and motivated individuals who are interested in becoming licensed Mortgage Loan Originators through training and mentorship.

Whether you are an established producer looking for a better platform or someone seeking a long-term career in the mortgage industry, we offer the flexibility of working from home while maintaining access to industry-leading lending solutions.

For more than 26 years, Western Mortgage Brokers has helped Oregon and Washington homebuyers and homeowners obtain mortgage financing while maintaining a reputation for integrity, professionalism, and personalized service. Our longevity reflects our commitment to both our clients and the mortgage professionals who choose to build their careers with us.

We operate a fully remote business model and exclusively broker loans through United Wholesale Mortgage (UWM), one of the nation's largest wholesale lenders. We do not maintain in-house processors. Instead, UWM's dedicated processing and underwriting teams handle the loan process, allowing our Mortgage Loan Originators to focus on originating loans and building relationships.

This model eliminates many of the challenges commonly associated with in-house processing departments, including processor vacations, sick leave, turnover, staffing shortages, and compatibility issues between processors and loan officers.

Why Join Western Mortgage Brokers?

Established and Respected Company

• Over 26 years serving Oregon and Washington borrowers.
• Stable, independent mortgage brokerage.
• Proven business model with a long history of success.
• Opportunity to build your business under a trusted local brand.

100% Remote Work Environment

• Work from home anywhere in Oregon.
• No office attendance requirements.
• Cloud-based systems and paperless workflow.
• Flexible schedule with the freedom to manage your business.

Consistent 60% Commission Split

• 60% commission split on funded loans.
• No monthly production tiers.
• No reduction in compensation during slower months.
• Same split regardless of loan volume.
• Straightforward compensation structure with no production hurdles.
• A typical funded loan generates approximately $4,000 to $7,500 in commission income to the Mortgage Loan Originator, depending on loan size, pricing, and compensation structure.

UWM-Only Lending Platform

We exclusively utilize UWM for loan processing and underwriting.

Benefits of our model include:

• Dedicated UWM processing and underwriting teams.
• No reliance on in-house processors.
• No interruptions due to processor vacations, sick leave, turnover, or workload imbalances.
• Consistent loan experience and communication.
• Faster loan closings and streamlined operations.
• Access to one of the nation's leading wholesale mortgage lenders.

Focus on Production

Our loan originators spend their time:

• Generating new business.
• Building referral relationships.
• Assisting borrowers.
• Structuring loan solutions.
• Growing their personal brand and referral network.

Rather than:

• Managing processors.
• Chasing underwriting conditions.
• Dealing with internal staffing issues.
• Covering for absent team members.

Responsibilities

• Originate residential mortgage loans in compliance with federal and state regulations.
• Build and maintain referral relationships.
• Consult with borrowers regarding mortgage options.
• Collect and review loan documentation.
• Submit loans through UWM's wholesale platform.
• Maintain accurate records and compliance standards.
• Provide exceptional customer service throughout the loan process.
• Develop and execute personal marketing and business development strategies.

Qualifications

Experienced Candidates

• Active Oregon Mortgage Loan Originator license.
• Previous mortgage origination experience preferred.
• Existing referral relationships are a plus.
• Ability to work independently in a remote environment.

Entry-Level Candidates

• Strong desire to build a career in mortgage lending.
• Willingness to obtain an Oregon Mortgage Loan Originator license.
• Excellent communication and customer service skills.
• Self-motivated with an entrepreneurial mindset.
• Ability to work independently from a home office.
• Training and mentorship provided.

Important: Mortgage lending is a relationship-driven business. To be successful as a new Mortgage Loan Originator, candidates should have an established network of personal and professional contacts and be active on social media platforms. Individuals who already have strong community connections, business relationships, referral sources, or a meaningful social media presence are generally better positioned to generate leads and build a successful mortgage business.

Ideal Candidate

This opportunity is ideal for:

• Experienced MLOs seeking a better compensation structure and operational support.
• Real estate professionals looking to expand into mortgage lending.
• Motivated individuals seeking a new career with unlimited income potential.
• Self-starters who thrive in a remote work environment.
• Professionals who value flexibility, independence, and relationship-based sales.

Compensation

• 60% commission split on funded loans.
• No monthly minimum production requirements.
• No commission tier adjustments based on volume.
• Unlimited earning potential based on production.
• Typical earnings range from approximately $4,000 to $7,500 per funded loan , depending on loan amount, pricing, and compensation plan selection.

Location Requirement

This position is available only to Oregon residents who are eligible to obtain and maintain an Oregon Mortgage Loan Originator license.

Join Our Team

Join a mortgage brokerage with more than 26 years of success, a fully remote business model, industry-leading lender support through UWM, and a compensation plan designed to reward production without unnecessary complexity. Whether you are an experienced Oregon-licensed MLO or an ambitious professional looking to enter the mortgage industry, Western Mortgage Brokers provides the platform, support, and flexibility to build a successful career.