MLO Opportunities in California
Innovative Mortgage Services, Inc. (NMLS #250769) is licensed in California and 24 other states. We give California MLOs a 100% compensation model, broker and correspondent channels, and the technology and support to originate from anywhere in the Golden State.
Interview Us!What a California MLO gets at Innovative
A straightforward, transparent platform built for independent mortgage loan originators — not for a big-bank P&L.
100% Compensation
Earn a flat 275 bps on every loan and keep the rest. No commission caps, no tiers, no splits skimmed by a branch or team above you.
One $695 Flat Fee
A single $695 transaction fee per funded loan — that's it. Your pay is your elected compensation minus one transparent fee.
Paid in 24 Hours
Commissions are disbursed within 24 hours of funding. Close the loan, get paid the next day — no waiting on a payroll cycle.
No Quotas
No production minimums, no monthly quotas, no pressure. Originate at the pace your California pipeline supports and keep your independence.
Cutting-Edge LOS
Originate on Arive from any device. A modern point-of-sale lets borrowers apply, upload documents, and authorize credit — fully remote-friendly.
25-State Reach
Already licensed in California? Take your existing borrowers and referral partners further — we're licensed in 25 states and growing.
Why California MLOs choose Innovative
California is one of the largest and most competitive mortgage markets in the country, and the MLOs who thrive here are the ones who can move quickly, offer real product choice, and keep more of what they earn. That's exactly what Innovative Mortgage Services, Inc. was built to do. Established in 2004, Innovative has spent two decades giving independent MLOs an end-to-end origination platform — without the layered management, quotas, and commission caps that erode your income at a traditional bank or retail shop.
Our model is intentionally simple and transparent. You elect your compensation at a flat 275 basis points, a single $695 transaction fee is deducted per funded loan, and you keep the balance. There are no tiers to climb, no caps to bump against, and nobody above you taking a cut of your production. Commissions are disbursed within 24 hours of funding, so the work you close this week is paid to you next, not weeks later on someone else's schedule.
Because Innovative operates both correspondent and broker channels with access to 100+ lenders and investors, California MLOs can shop the right product and pricing for each borrower instead of being boxed into a single rate sheet. Our cutting-edge LOS (Arive) lets you originate from any device — fitting whether you work from a home office in Sacramento, a coffee shop in San Diego, or anywhere across the state. And with more than 300 MLOs already on the platform and a management team carrying 75 years of combined mortgage experience, you get hands-on processing, onboarding, and pipeline support from people who have done the job themselves.
Most importantly, our professional compass points to ethical loan origination, attentive compliance, and heightened quality control. In a market like California, doing the right thing for your borrowers isn't just good practice — it's how you build a referral business that lasts.
The math is refreshingly simple
No asterisks, no "up to," no fine print that quietly shrinks your check.
Elect your compensation, originate your way, and get paid within 24 hours of funding. Run your own numbers to see what 100% compensation could mean for your California pipeline.
Calculate My Pay RaiseTwo channels, 100+ lenders, the right product for every borrower
Originate as a broker, a correspondent, or both — and match each California borrower with competitive pricing.
Broker
Shop a wide network of wholesale lenders for the sharpest rate and program fit on each file. Ideal for California MLOs who want maximum product flexibility and competitive pricing across purchase and refinance scenarios.
Correspondent
Fund and sell to a deep bench of investors with fast correspondent disbursement. With access to 100+ lenders and investors across both channels, you're rarely stuck without an answer for your borrower.
California licensing & compliance
Trust matters in mortgage. Here's who we are and where to verify it.
Innovative Mortgage Services, Inc. (NMLS #250769) is licensed to originate residential mortgage loans in California and is one of 25 states in which we are licensed. For our California license number(s) and the applicable state notices, please review our State License Designations page.
You can independently verify Innovative Mortgage Services, Inc. and our company NMLS #250769 through the Nationwide Multistate Licensing System at NMLSConsumerAccess.org.
The company may or may not fund loans under the advertised program. Loans may be arranged with third-party providers. Innovative Mortgage Services, Inc. is an Equal Housing Lender. This page is intended for licensed MLOs exploring a professional opportunity with Innovative Mortgage Services, Inc. and is not an offer to lend or a commitment to make any loan.
Ready to originate on your terms in California?
The support you expect, the compensation you deserve. Let's talk about your move to Innovative.