Contact:
713-366-4668
Senior Loan Officer — Join Matador Lending (Houston, TX & Remote)
About Matador Lending
Matador Lending is an independent mortgage brokerage licensed in TX, FL, GA, and CA, with access to 80+ wholesale lenders and in-house correspondent pricing. 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.
Our flat-fee commission model, done-for-you marketing team, AI-enabled operations, hard money lending channel, commercial lending referral program, and revenue share recruiting model make us one of the most comprehensive — and lucrative — platforms for independent loan officers in the country.
Job Title: Senior Loan Officer
Company: Matador Lending
Location: Houston, TX (Local Office) — Remote Eligible
Compensation: 100% Commission-Based (Flat-Fee Model)
Experience Required: Minimum 5 Years in Mortgage Origination
Interested individuals please send a resume to [email protected]
We look forward to your application and the opportunity to welcome you to the Matador family!
Interested individuals please send a resume to [email protected]
We look forward to your application and the opportunity to welcome you to the Matador family!
Interested individuals please send a resume to [email protected]
We look forward to your application and the opportunity to welcome you to the Matador family!
About Matador Lending
Matador Lending is a fast-growing independent mortgage brokerage built on the belief that loan officers are entrepreneurs. With access to 70+ wholesale lenders, we empower our originators to compete at the highest level, offer the most competitive pricing in the market, and serve clients across Texas, Florida, Georgia, and California.
Our flat-fee commission model lets you maximize your earnings by eliminating unnecessary overrides and middle layers — putting more money back into your pocket per deal. We provide a free, company-supported CRM, comprehensive lender access, and a culture built around independence, innovation, and collaboration.
Job Title: Senior Loan Officer
Company: Matador Lending
Location: Houston, TX (Local Office) — Remote Eligible
Compensation: 100% Commission-Based (Flat-Fee Model)
Experience Required: Minimum 5 Years in Mortgage Origination
Position Overview
You've spent years building a book of business, developing referral relationships, and mastering your craft. The only thing holding you back is the platform you're on.
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.
Job Title: Senior Loan Officer
Company: Matador Lending
Location: Houston, TX (Local Office) — Remote Eligible
Compensation: 100% Commission-Based (Flat-Fee Model)
Experience Required: Minimum 5 Years in Mortgage Origination
Position Overview
We’re seeking an experienced, Senior Loan Officer with at least five years in the mortgage industry who thrives in a broker environment and has an entrepreneurial mindset. This role is ideal for seasoned originators who want to scale their production with the flexibility, tools, and pricing advantage of mortgage brokering — not retail banking.
As a Senior Loan Officer at Matador Lending, you’ll leverage our diverse lender network to structure customized loan solutions for your clients, build strong referral relationships, and help borrowers achieve their homeownership and investment goals.
Key Responsibilities
Lead Generation & Relationship Management
Develop and maintain a strong referral network of real estate agents, builders, investors, and past clients.
Proactively identify new opportunities through outbound prospecting, database marketing, and social media.
Participate in company-provided marketing campaigns or create your own within compliance guidelines.
Loan Structuring & Client Advisory
Analyze borrower financials, income documentation, and credit profiles to recommend the best loan products.
Present competitive loan options sourced from Matador’s 70+ lender partners.
Educate clients on the benefits of various programs including conventional, FHA, VA, Non-QM, DSCR, and commercial loans.
Loan Origination & Processing Coordination
Collect and review borrower documentation for accuracy and completeness.
Work with Matador’s processing and operations partners to ensure clean submissions and smooth closings.
Maintain compliance with federal, state, and investor guidelines at all stages.
Client Experience &
Follow-Up
Communicate consistently with clients and referral partners throughout the process.
Ensure high satisfaction through transparency, speed, and exceptional service.
Use our CRM to manage your database for repeat and referral business.
Qualifications
⚡ Active NMLS license in Texas (FL, GA, or CA also welcome)
⚡ 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, 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
Why Join Matador Lending?
Qualifications
⚡Minimum 5 years of successful experience as a licensed Loan Officer or Mortgage Broker.
⚡Proven ability to self-source and close residential loans consistently.
⚡Active NMLS License and authorization to originate in TX (additional states a plus: FL, GA, CA).
⚡Expert knowledge of loan programs, guidelines, and broker systems (UWM, Plaza, Loan Store, etc.).
⚡Strong communication and consultative sales skills.
⚡Comfortable working independently in a fast-paced, remote-friendly brokerage.
Flat-Fee Compensation
Keep 100% of Your Commission Minus a Flat Fee — Not a Cut of Every Deal
At Matador, you work under a transparent flat-fee model. No tiered splits. No manager overrides eating into your income. You know exactly what you keep on every single loan. Whether you close $2M or $20M in a month, your per-loan fee never changes.
Pricing Power & Product Access
Win More Deals with 80+ Wholesale Lenders + In-House Correspondent Pricing
When the big retail shops are quoting 7.25%, you can often close at 6.875% because of our correspondent lending access and wholesale network. Pair that with 80+ lender relationships — including Non-QM, DSCR, hard money, and commercial — and you'll never have to say no to a deal again.
Done-For-You Marketing
We Handle the Marketing So You Can Focus on Closing
Our in-house marketing team creates custom graphics, social media content, video reels, and email campaigns — all branded to you. You get a dedicated LO website, co-branded listing flyers, and a social media content calendar every month. Your personal brand grows while you work your pipeline.
Technology & AI-Enabled Operations
Operate Smarter with AI-Powered Tools and a Best-in-Class LOS
We run on ARIVE, one of the most powerful broker LOS platforms available, paired with AI-enabled workflows that reduce your administrative load. From pre-approval to clear-to-close, our systems keep deals moving so you can stay in front of clients and referral partners.
Hard Money & Commercial Opportunities
Earn on Every Deal — Including Hard Money and Commercial Loans
Most brokers leave money on the table when a deal doesn't fit conventional guidelines. At Matador, you can originate hard money loans and refer commercial deals through our in-house channels — adding new revenue streams without leaving our platform
Revenue Share Recruiting Model
Build a Team and Earn While You Sleep
Our revenue share model rewards you for bringing producing loan officers to the platform. Help a colleague escape a broken comp plan, and earn a percentage of their production — indefinitely. It's the closest thing to passive income in the mortgage industry.
Houston Brand & Reputation
Earn on Every Deal — Including Hard Money and Commercial Loans
Matador Lending is rated 5 stars on both Google and Zillow. Our relationships with top Realtors, builders, and investors across Houston give your pipeline a running start. When you tell a referral partner you're with Matador, they already know who we are.
Culture & Community
Entrepreneur-First Culture. Zero Corporate Nonsense.
We don't have middle managers. We don't have bureaucracy. We have producers who want to grow and a leadership team that stays out of their way — while providing every resource they need to succeed. Weekly collaboration, real accountability, and a culture where sales solveseverything.
Compensation
Compensation Model: 100% Commission — Flat-Fee Structure
You keep your full originator compensation, minus a flat $1,000 administrative fee per closed loan. No splits. No overrides. No surprises. Senior Loan Officers on our platform consistently earn significantly more per loan than in traditional retail or correspondent environments.
• Uncapped earning potential — your income scales with your production
• Revenue share income available for loan officers who recruit producing colleagues
• Hard money and commercial referral income available on applicable deals
• W2 or 1099 structure available
• Health benefits available
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.
Why Join Matador Lending?
🔥 Flat-Fee Commission Model
Keep more of your commission — no complicated tiered splits or corporate overrides.
🔥 70+ Lender Network
From major wholesale lenders to niche Non-QM and investor programs — you’ll never lose a deal for lack of options.
🔥 Free CRM & Marketing Support
We provide your CRM, automation tools, and marketing resources so you can focus on origination, not operations.
🔥 Entrepreneurial Culture
Operate as an independent professional while having a strong, supportive team and leadership backing you.
🔥 Local Houston Office + Remote Flexibility
Access to in-person collaboration, training, and events, with the ability to work from anywhere.
Compensation
This is a 100% commission-based role under Matador Lending’s flat-fee model. Senior Loan Officers typicaally earn significantly higher per-loan payouts than in traditional retail environments. Compensation potential is uncapped, driven entirely by your production and ambition.
Join the Power of Brokering
If you’re ready to leave retail restrictions behind and build your brand as an independent loan originator — with the backing of a proven, modern brokerage — we’d love to talk.
👉 Apply today and experience the freedom, flexibility, and financial upside that come with the power of brokering at Matador Lending.
Connect with us!
Matador Lending (NMLS #1871433), all other trademarks are the property of their respective owners, not endorsed or affiliated with any government entity. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Visit the NMLS Consumer Access website for regulatory information about us.
Figure: 7 TAC §56.200(c) TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
Copyright © Matador Lending 2025. All rights reserved.
Connect with us!
Matador Lending (NMLS #1871433), all other trademarks are the property of their respective owners, not endorsed or affiliated with any government entity. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Visit the NMLS Consumer Access website for regulatory information about us.
Figure: 7 TAC § 80.200(b) CONSUMER WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT WEBSITE AT WWW.SML.TEXAS.GOV . A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV .