Your Success Is Our Business Model
We Don't Hire Loan Officers. We Build Mortgage Powerhouses.
At Onyx Group Mortgage, you're not just another producer in a database. You're a brand we invest in, a professional we elevate, and a success story we're committed to writing together. If you're ready to stop working for someone else's dream and start building your own empire—welcome home.
The Onyx Difference: We Invest in You Like VCs Invest in Startups
Most mortgage companies hire loan officers and hope they succeed.
We do the opposite.
We treat every loan officer like a high-potential startup deserving of serious investment. We provide the capital (leads, technology, support). You provide the talent. Together, we build something extraordinary.
Built By Loan Officers, For Loan Officers
Onyx Group Mortgage was founded on a simple observation: talented loan officers are held back by terrible infrastructure.
- Buying dead leads that drain your budget
- Using technology from 2010 that slows you down
- Working 60–80 hour weeks for 50 basis points
- Getting zero support, zero mentorship, zero resources
- Doing everything yourself—marketing, processing, sales, follow-up
We asked ourselves: What if we fixed all of that?
What if we built a mortgage company that actually invested in loan officers the way successful companies invest in their most valuable asset—their people?
That's Onyx Group Mortgage.
We're not a brokerage that collects desk fees. We're not a call center churning through bodies. We're not a big bank treating you like a cog in a machine.
We're a platform designed to turn talented loan officers into unstoppable brands.
How We Turn Loan Officers Into Brands
You're Not an Employee. You're a Portfolio Company.
Pre-Qualified Lead Generation:
$3,000–5,000/month value
- 35–105 qualified leads delivered monthly.
- No cost to you, ever
- Exclusive territories—no internal competition
- Average conversion rate: 4x higher than purchased leads
Marketing & Branding:
$3,500–4,000/month value
- Email marketing campaigns
- Video production for your personal brand
- SEO and online reputation management
- Professional website with your branding
- Social media content creation and management
- Branded collateral (business cards, flyers, presentations)
Technology Platform:
$1,800–2,200/month value
- AI-powered CRM (normally $100/month)
- Lead management and automation tools
- Marketing automation software
- Mobile app for on-the-go business
- All updates and support included
- Document collection and e-signature platform
Training & Development:
$2,000–3,000/month value
- Comprehensive onboarding program
- Weekly coaching sessions
- Monthly mastermind groups
- Industry certifications (company-paid)
- Access to top producer playbooks
- Conference attendance and continuing education
Operational Support:
$4,000–6,000/month value
- In-house processing team
- Underwriting coordination
- Closing support and quality control
- Administrative assistance
- Compliance monitoring
- IT and technical support
- Email marketing campaigns
Total Monthly Investment Per Loan Officer:
$15,300 – $22,200
Why do we invest this much?
Because your success is our success. When you close 10–15 loans per month instead of 3–4, everyone wins. We're not trying to squeeze pennies from desk fees. We're building long-term partnerships with elite producers.
Your Name. Your Reputation. Your Empire.
We Don't Create Cookie-Cutter Loan Officers. We Build Personal Brands.
At most companies, you're interchangeable. Your name doesn't matter. Your personal brand doesn't exist. You're just Producer #47 in territory 128.
Not at Onyx.
We Believe in the Power of Personal Branding
The most successful loan officers aren't faceless company representatives. They're trusted advisors with recognizable personal brands. They're the LO everyone wants to work with because they've built a reputation for excellence.
Personal Identity
- Professional website under your name
- Custom domain (YourName.com)
- Personal logo and brand colors
- Professional headshots and video content
- Branded email signature and materials
Digital Presence
- Optimized LinkedIn profile
- Active social media managed for you
- Google My Business optimization
- Online review generation and management
- Content creation that showcases your expertise
Thought Leadership
- Blog posts and articles under your name
- Education video series
- Social media content positioning you as expert
- Speaking opportunities and local events
- Media training and PR support
Referral Network
- Introduction to top realtors and builders
- Co-marketing campaigns with partners
- Networking event sponsorships
- Community involvement programs
- Strategic partnership development
Reputation Management
- 5-star review generation system
- Reputation monitoring and response
- Crisis management support
- Awards and recognition programs
- Client testimonial collection and marketing
Refinance We Handle the Business. You
Handle the Relationships.
No More Buying Dead Leads
Forget spending $1,500/month on Zillow leads that go nowhere. We provide:
We're Building Careers,First-Time Home Not Exploiting Workers
- We invest in your success rather than extracting fees
- Your growth is our growth
- Long-term partnerships, not short-term transactions
- Exclusive territories mean you're not competing internally
- Peer learning and knowledge sharing
- Rising tide lifts all boats mentality
- Constantly improving systems and processes
- Early adoption of beneficial technology
- Listening to LO feedback and implementing changes
- 40-45 hour weeks, not 80
- Flexibility and remote work options
- Success shouldn't cost your health or family
- Ethical lending practices, always
- Transparent communication
- Do right by borrowers, LOs, and partners
This Is What Success Looks Like
We track everything. Here's what happens when talented loan officers get proper infrastructure:
| Metric | Before Onyx | After Onyx | Improvement |
|---|---|---|---|
| Monthly Closings | 3.8 loans | 11.2 loans | + 195% |
| Annual Income | $78,000 | $268,000 | + 244% |
| Hours Worked/Week | 62 hours | 42 hours | - 32% |
| Metric | Before Onyx | After Onyx | Improvement |
|---|---|---|---|
| Hours Worked/Week | 62 hours | 42 hours | -32% |
| Lead Conversion Rate | 8% | 28% | +250% |
| Client Satisfaction | 4.1/5 | 4.8/5 | +17% |
| Referral Rate | 12% | 34% | +183% |
We're Selective Because We Invest Heavily
Not every loan officer is the right fit for Onyx. And that's okay.
Here's who succeeds here:
We Don't Just Give You a Job. We Give You a Future.
At Onyx, your career doesn't plateau. We have clear paths for growth:
Elite Individual Producer
Scale to 15-20+ loans per month
Build dominant market presence
Maximize personal income ($500K-$1M+)
Become THE name in your territory
Potential to hire personal assistant
Speaking and thought leadership opportunities
Team Work and Builder
Recruit and lead your own team
Earn overrides on team production
Build a sustainable business
Create passive income streams
Develop leadership skills
Expand into multiple territories
Leadership & Management
Move into Company Leadership: Path to Regional Sales Director and VP of Sales & Training.
Partner Opportunities for top performers.
Potential for Equity and Profit-Sharing.
Ability to Shape the Future of the company.
From Application to Success in 4 Simple Steps
Anything Unclear or Need Some Help? Relax, We Are Here for You 24/7
Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.
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- Contact Us
- Our Locations
- Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
NMLS# 397532
NMLS# 1416824
NMLS# 397532
(949) 396-1204
3750 S Susan Street, Santa Ana, California 92704
kkennedy@emortgagecapital.com
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Legal Disclaimer
Onyx Group Mortgage is a division of Onyx, NMLS #397532 located at 3750 S Susan Street, Santa Ana, California 92704. Onyx does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. For current licensure information, please visit: www.nmlsconsumeraccess.org.
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