Fiducia Home Loans is a technology-focused national lender, focused in California, built by a top originating Loan Officer for Loan Officers that are or want to be at the top of their game.

For years we’ve observed brokers and retail lenders extract as much revenue as possible from the loan origination volume of loan officers. Many have argued that it is necessary to run a thriving mortgage lender.

We’ve built a more equitable way.

Fiducia Home Loans built a values-rich platform and cost efficiencies that allow us to give most of the commission to the Loan Officer.

We start with:

• Letting you choose your own Compensation 
• Paying via 1099 in allowable states
• Industry Leading Commission Split based on Raw Margin
• No tiers-- we put money back in the LO's pocket

But, we take it to the next level with an annual Company Commission Cap, the best Loan Officer Package in the Industry, and a robust RevShare Program.

Per File Cap

Each year, the company commission caps out at $20,000. Once the Loan Officer meets that annual company compensation cap, the remaining compensation earned goes directly to the Loan Officer for the rest of the year.

Finally, an individual Loan Officer (or team) can offer pricing AND receive compensation as if they owned a brokerage.

This has never been done before in the mortgage industry.

Most lenders take an average of 2% from all loan origination volume after giving you your compensation on an ongoing basis. If you generate $5 million in loan originations annually, that’s $100,000 going back to your company. At Fiducia Home Loans, we only take the first $20,000—the remaining $80,000 goes back to you.

The Best Loan Officer Package

The ability to cap out and take home 2x your current compensation doesn’t mean you are sacrificing leads, technology, and support.

We’ve spent ten years building our 360-degree package, which includes the following:

• Purchase and Refinance Leads
• Realtor Leads
• All-in-One Integrated Platform built on Salesforce
• Loan Origination System powered by MeridianLink
• Product Pricing Engine integrated into Salesforce
• Full-Service Processing with an option to leverage Contract Processors
• Integrated email and productivity apps powered by Office 365
• Daily Coaching and Training
• Knowledge Base
• Daily Live Support
• Mortgage Toolkit and Website
• Self-generated Custom Marketing Materials for Borrowers and Realtors powered by IOS Express
• Recruitment Toolkit and Website

RevShare Program

We take your earning opportunity to the next level with our RevShare Program. You recruit Loan Officers and earn residual compensation on their future production.

The average Loan Officer (LO) can easily recruit five other Loan Officers.

If you and your recruits bring in 5 LOs each and meet their annual Company Commission Cap ($20,000 annually)—you will make at least $185,000 in RevShare compensation.