Experienced Mortgage Loan Officers — if you’re tired of low payouts and outdated splits, this is your moment. Citizens Financial rebuilt compensation around producers, not red tape. 1099 LOs: Keep 100% commission with a $555 flat fee per file. W-2 LOs: Earn 90% commission with a Fairness Clause for low-margin deals. Scaling up? We provide company-generated residential, commercial, and private-money leads at a clean 50/50 split. We’ve served California for 19 years as The Badges Broker, and we’re