Mortgage Loan Officer & Branching Opportunities

~30 yrs

Proven Foundation

Top 15

National Lender

States Licensed + DC

True P&L

Branch Control

Why this is different

The structure most lenders don't want you to have.

Most shops give you a number to hit and desk to sit at. NFM gives you an enterprise. Manage your own P&L. Set your own comp. Price at the branch level. Build your team your way. Expand into new markets on your timeline.

This isn't a job. It's a platform. And the best part? There's more than fits on a webpage. Fill out the form below and we'll share what we can't post publicly.

01 - Income

Unlimited Earning Potential

Set your own comp structure, negotiate a sign-on bonus, and run a real P&L with no extra management layers cutting into what you earn.

02 - Autonomy

Your Business, Your Rules

Price at the branch level. Build your team. Expand your territory. NFM is the infrastructure - you own the vision and all the decisions that come with it.

03 - Wins

Close More Deals

Direct-to-findings, no overlays, in-house Non-QM, 24-hour underwriting. Your competition won't understand how you keep winning.

04 - Scale

Built to Grow With You

Dedicated sales recruiters find LOs for your branch. We help you uncover your unique value proposition and build something that outlasts any market cycle.

Proprietary AI Technology

AI that
brings you
business.

NFM's proprietary AI technology actively grows your pipeline, delivering ready-to-engage borrowers back to your inbox.

In one recent campaign, one division saw massive growth when interest rates were favorable.

835% YOY Increase

Refi increase from AI pipeline activity
between 2025-2026

"The reason most LOs miss refi waves isn't that rates aren't good enough. It's simply because they don't leverage the right tools, and the execution is inconsistent. This solves that."

Daniel Sa President, Great Lakes Division

Let's Win

Say yes more often. Win more business.

A limited product menu costs you deals every single month. NFM's robust suite - including products most lenders send out to third parties - keeps revenue inside your branch where it belongs.

In-House Non-QM

We don't broker Non QM - we underwrite it internally. Faster decisions, better pricing, and scenarios your competitors simply can't match.

Exclusive Edge

Dedicated Condo Desk

An internal team that lives and breathes condo approvals. Close deals that stall everywhere else. Become the go-to LO for condo-heavy markets

In-House

Internal AMC

In-house appraisal management means faster appraisals, fewer surprises, and one less variable holding up your closings at the worst moment.

Speed Advantage

One-Time-Close Construction

Single-close construction-to-perm loans. Lock the rate, close once and deliver an experience builders rarely find anywhere else.

Builder Magnet

Forward Commitments

Offer builders rate-locked commitments before a project completes - a powerful tool for earning partnerships that turn into long-term revenue streams.

Builder Tool

Direct to Findings, No overlays

Freddie, Fannie and Ginnie approved. Direct to AUS findings, zero overlays. Your approvals stick, and your reputation for closing speaks for itself.

No overlays

Renovation Lending

Dedicated renovation department expands your buyer pool to fixer-upper - helping clients see opportunity beyond the move-in-ready inventory shortage.

More Buyers

Full Agency Suite

Conventional, FHA, VA, USDA, Jumbo, and more. Compete on every loan type, every buyer profile, and every market condition thrown your way.

Full Coverage

The NFM Lending Gazette

America's Common Sense Lender | Ready.Set.Mortgage.

NFM Has the Highest Loans Per Originator in the Industry Among Top Retail Lenders.

In an industry where experience is often viewed as the price of admission, NFM Lending Division Senior Vice President Andy Beigel represents a different kind of success story, one built from the ground up.

Beigel did not enter the mortgage business with years of industry credentials or an established book of business. He started as a dialer and, within seven years, worked his way into leadership, eventually becoming a Division Senior Vice President.

“From starting as a dialer to running a branch and becoming a Division SVP within 7 years - anything is possible here.”

That belief in opportunity has become part of the culture at NFM Lending, a company recognized by Scotsman Guide for having the highest loan amount per originator in the nation.

Andy Beigel, Division Senior Vice President at NFM Lending started his career making cold calls and rose to Top 1% Originator status within 7 years.

7 Years From Dialer to Division SVP

Leaders within the company point to a platform built to help originators grow bigger businesses, keep more of what they produce, build lasting teams and reputations, and expand across state lines with full support already in place.

$100 Million Projected Annual Volume

For Beigel, the journey reflects what can happen when the right systems, coaching, and leadership align. His story stands as an example that at NFM Lending, growth is not limited by where someone starts, but by how far they are willing to go.

Our People

Don't take our word for it. Take theirs.

The people who've built their businesses here have the clearest view of what this platform actually delivers day to day.

"I've been with NFM Lending since 2002 and my business has grown exponentially. NFM's commitment to its employees, consumers, and continued growth gives me a platform where I can fully execute my business plan. I always feel like I know what's going on in the loan process — the branch support is superior.

- Jason McLaughlin Branch Manager, NFM Lending With NFM since 2002

"One of the main reasons I'm at NFM is the incredible support, especially from leadership. They're accessible, responsive, and truly invested in helping me grow my business. Growth isn't just encouraged — it's expected, and we're given the tools and support to make it happen.

- Jane Floyd Branch Manager, NFM Lending Top 1% Mortgage Originators | Top Women Originators

"When I met with the team at NFM, I felt an instant connection with the company's employees, values, and determination to make a difference in the mortgage industry. It is clear that senior management is engaged and plays an active role in the success of the company.

- JC Jimenez Branch Manager, NFM Lending Branch Builder

"I started my mortgage career at NFM Lending and have been given every opportunity possible to achieve my goals. From starting as a dialer, to running a branch and being a division partner within 7 years — anything is possible at NFM Lending with the platform, coaching, and systems provided to quickly scale.

- Andy Beigel Division Senior Vice President, NFM Lending Top 1% Mortgage Originators

Infrastructure & Support

We have your backso you can lead.

Cutting-Edge Tech & AI

Proprietary tools that grow your pipeline, make your team more efficient, and surface ready-to-close borrowers you didn't know you had.

In-House Appraisal Management

Faster appraisals with fewer surprises and less dependency on outside vendors at critical moments in the file.

In-House Condo Desk

A dedicated internal team for condo project approvals, helping close deals that often stall elsewhere.

Robust Marketing Department

In-house campaigns, co-branded materials, and polished support so you can show up professionally without doing it all yourself.

Compliance & Licensing Support

Expand into new states with less friction while your compliance team helps navigate the complexity.

Sales Recruiting For Your Branch

Dedicated recruiters help identify qualified loan officers so branch growth stays an active priority.

The Foundation

Nearly 30 years strong. And it shows in your business.

NFM Lending isn't the largest lender in the country, and that's the point. Our goal has always been to be the best, not the biggest. That focus is why our people stay, why their businesses grow, and why the infrastructure around you is built to actually support a serious producer.

When you build on a Top 15 national platform that's been stress-tested through multiple market cycles, you're not betting on a startup. You're investing in a foundation that's already proven it can carry the weight.