Mortgage Loan Officer

Splash Financial, Inc.; Northern (KY); Hybrid; USD 102,868,000 - 127,511,000; Full time

Benefits offered by this job

Fully remote work freedom

Competitive salary packages

Flexible PTO + 9 holidays

Equity: Share in our start-up success

Comprehensive insurance benefits

Paid parental leave

Modern equipment provided

Claude subscription included

401(k)

Quarterly meet-ups

Splash swag

Job summary

Splash Financial is seeking a motivated Mortgage Loan Officer to join our Lending team. You’ll guide borrowers through the mortgage process with empathy, clarity, and confidence, helping customers achieve their financial goals in a remote-friendly fintech environment.

We require an active California DRE Real Estate license with an MLO endorsement and verifiable records in both DRE and NMLS databases, plus 1+ year in residential mortgage lending and strong communication skills.

Qualifications

• Minimum 1+ year in residential mortgage lending.
• Strong interpersonal and communication skills with a customer-first mindset.
• Solid knowledge of mortgage products, loan processing workflows, and regulations.

Responsibilities

• 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.
• 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.

Skills

Mortgage lending

Customer service

Regulatory compliance

Communication skills

Tech proficiency

Job description

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 #foodbecause we believe being human makes us better teammates.

To be considered, applicants must hold an active California DRE Real Estate Salesperson or Broker License with a Mortgage Loan Originator (MLO) License Endorsement, and must be verifiable in both the California DRE and NMLS databases.

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-functional 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.i
• 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 an active California DRE Real Estate Salesperson or Broker License with a Mortgage Loan Originator (MLO) License Endorsement, and must be verifiable in both the California DRE and NMLS databases.

• 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.

COMPENSATION:

The base pay range for this role is $35.90 to $44.50 per hour, based on market data and internal compensation practices. Final compensation will be determined by factors such as location, experience, and skill level.

SPLASHERS ENJOY:

• Fully remote work freedom (for most roles)
• Competitive salary packages
• Flexible PTO + 9 company holidays
• Equity: Share in our start-up success
• Comprehensive and affordable insurance benefits
• Paid parental leave for both caregivers
• Essential modern equipment to get the job done
• Fully paid Claude subscription to supercharge your work
• 401(k) for your future savings
• Quarterly meet-ups: In person & virtual fun
• Awesome Splash swag to flaunt your team spirit

Employment at Splash is based on individual merit. Opportunities are open to all, without regard to race, color, religion, sex, creed, age, handicap, national origin, ancestry, military status, veteran status, medical condition, marital status, sexual orientation, affectional preference, or other irrelevant factors. Splash is an equal opportunity employer.