Choosing the right mortgage company is essential to an MLO's career.For a mortgage loan officer (MLO), the company you choose can make or break your career. The best mortgage companies for loan officers go beyond competitive interest rates. They provide:
- Strong lender access & product variety (QM, Non-QM, FHA, VA, Jumbo, DPA/Grant).
- Advanced technology to automate pricing, CRM, and marketing.
- Mentorship & training from industry leaders.
- Fair commission structures with low fees.
- A supportive culture that helps you scale faster.
According to the Mortgage Bankers Association (MBA), purchase originations are projected to grow in 2025, making it critical for loan officers to align with platforms that offer tools, flexibility, and reliable support.
Top 5 Best Mortgage Companies for Loan Officers in the US
1. Loan Factory – Best for Technology & High Payouts
Why Loan Officers Choose It:
Loan Factory is one of the fastest-growing FinTech mortgage brokerages in the U.S. By August 2025, the company has surpassed 2,047 loan officers nationwide, powered by its proprietary MOSO platform.
Key Benefits:
- 240+ wholesale lenders – close QM, Non-QM, FHA, VA, Jumbo, and DPA loans.
- Real-time pricing engine – instantly compare rates across lenders.
- Built-in marketing automation – prebuilt Facebook ads, Google review tools, and branded content.
- CRM & Rate Alerts – automatically nurture leads and re-engage past clients.
- Daily training from top LOs + weekly sessions with Thuan Nguyen (#1 LO in the U.S.)
- No software fees, no desk fees – save up to $963/month compared to traditional platforms.
- High payouts – 100% commission, flat $595 per file.
Proven Success:
“I closed 1,000 loans a month by leveraging a powerful automated system. In 2021–2022, I funded over 11,000 loans in just two years.” – Thuan Nguyen, CEO of Loan Factory (Loan Officer Wealth Podcast).
Best For: Independent loan officers who want cutting-edge tech, mentorship, and maximum income.
→ Read more: Grow Faster with The Best FinTech Mortgage Platform In the US
2. NEXA Mortgage – Best for Large LO Network
- Over 3,240 loan officers (Aug 2025).
- Revenue-sharing model encourages LO recruitment.
- Wide access to wholesale lenders.
- Some LOs report higher competition internally and variable tech support.
Best For: Loan officers who value a large peer network and flexible broker structure.
3. CrossCountry Mortgage – Best for Brand Recognition
According to National Mortgage News (2024), CrossCountry is among the fastest-growing lenders.
- Over 4,300 LOs (Aug 2025).
- Strong national brand recognition.
- Diverse product mix including renovation and Non-QM loans.
- Commission splits vary by branch.
Best For: Experienced LOs who want to leverage a well-known national brand.
→ Read more: What is the difference between a lender and a loan officer?
4. Rocket Mortgage – Best for Consumer Leads
Rocket remains the largest retail lender in the U.S. with 3,774+ LOs (Aug 2025).
- Household name with strong consumer marketing.
- Provides inbound leads to some loan officers.
- Proprietary tech platform, but closed ecosystem.
- Retail payout models → lower commissions compared to brokerages.
Best For: LOs who want steady corporate leads and national brand exposure.
5. Barrett Financial – Best for Non-QM Specialists
- 1,909+ loan officers (Aug 2025).Known for strong Non-QM and Jumbo product lineups.
- Broker flexibility, but systems are less automated compared to fintechs.
Best For: Loan officers who specialize in Non-QM/Jumbo lending.
→ Read more: Top Digital Mortgage Platform in US 2025
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Loan Factory provides the optimal environment for MLO professional growth.Loan Officer Count Comparison (Aug 2025)
Company | Loan Officers | Model | Key Strengths |
| CrossCountry | 4,300+ | Retail | National brand, broad presence |
| Rocket Mortgage | 3,774+ | Retail | Consumer leads, household name |
| NEXA Mortgage | 3,240+ | Broker | Large LO network, revenue share |
| Loan Factory | 2,047+ | FinTech Broker | MOSO tech, flat $595, 245+ lenders |
| Barrett Financial | 1,909+ | Broker | Non-QM/Jumbo focus |
| Edge Home Finance | 1,196+ | Broker | Growing flexibility |
| C2 Financial | 1,095+ | Broker | Compliance reputation |
Among all, Loan Factory leads the rankings because it combines:
The mortgage industry in 2025 demands automation, flexibility, and competitive payouts. Traditional retail lenders provide brand recognition, but independent and fintech brokerages offer higher income and better tech.
Loan Factory stands out as one of the best mortgage companies for loan officers in 2025—giving LOs everything they need to compete with big banks, scale faster, and keep more of their commission.
Ready to work with one of the best mortgage companies in the U.S.?
Join Loan Factory Today – Access the same tools, training, and support top producers use to close thousands of loans.
Call 714-591-8143 to learn how you can grow your mortgage business faster.
Attend the Loan Factory webinar for a deep dive into our platform.FAQs: Best Mortgage Companies for Loan Officers
