Employee tools and support
Role-appropriate access to Texana systems, training, communication tools and the team supporting your production. Access follows your assigned responsibilities and file permissions.
Join Texana Bank as a W-2 employee and add mortgage origination to your business. A dedicated team, bank systems and a broad program menu support your work. Required NMLS registration and bank approval come before originating.
Minimum consideration requires 6 buyer-side transactions and $1,800,000 in buyer-side sales volume over the trailing 12 months. Both are required; seller-side production does not replace either one. This is a starting floor, not a job offer.
Role-appropriate access to Texana systems, training, communication tools and the team supporting your production. Access follows your assigned responsibilities and file permissions.
Eligible past clients may need a refinance, an investment-property loan or financing in another state. Review those opportunities with your bank team and the applicable program rules.
You can work with our lending team without becoming an employee. A lasting Realtor Partner relationship is a valid choice on its own.
Explore Realtor relationships →You are already doing the hardest part of the transaction. This is about owning the part of it that currently walks out the door — and then some.
Add mortgage origination duties to your real estate experience, supported by a dedicated bank team. Texana’s dual-capacity program supports work in both roles, with each transaction reviewed under applicable state, brokerage, bank and loan-program requirements.
A registered originator is not boxed into one state the way a state-licensed one is. Texana lends nationwide, so where you can originate is not limited to where you sell real estate.
You are not restricted to transactions you are the agent on. A past client refinancing, a friend, a coworker's buyer, business someone sends you — eligible files can be reviewed for origination.
You quote the bank's own pricing, because Texana is the lender and not a middleman. And with more than two dozen programs, "they can't get financed" stops being the end of the conversation.
Compensation is for the mortgage origination work you actually do — taking the application, gathering documentation, scheduling the closing. Never for sending business.
A Texana loan officer and loan assistant support processing, underwriting submission, conditions and appraisal coordination within bank policy. You remain responsible for the duties assigned to your employee role.
Every agent who has looked into originating has been told the same thing: twenty hours of pre-licensing education, the SAFE national exam, then a separate license application in every state you want to work in, renewed with continuing education every year. That is the state-licensed path. It is not the only one, and it is not the one you would be on.
Texana Bank, N.A. is a federally chartered national bank. Under the SAFE Act, the loan originators a bank like ours employs are registered through the NMLS rather than licensed by each state — the registered mortgage loan originator path in 12 CFR Part 1007. Same national registry, same public NMLS number in your name, an entirely different runway.
The registration path exists because you come on as a W-2 employee of the bank. That is the hook that makes it available, and it is worth understanding rather than glossing over — it is also a conversation to have with your broker.
Registration includes an NMLS record, fingerprints and a background check. Hiring, registration, training and bank approval must be complete before you originate.
Most agents hear "originate your own transactions" and stop there. The opportunity can also include eligible loans for past clients and people introduced by others.
Texana Bank is the lender. You work with the bank’s program menu and team to review financing options for the client’s actual situation. A different documentation path or program may be worth considering when a standard loan does not fit; approval requires a file review.
A self-employed client, an investor, a client using an ITIN and a retiree with assets can have very different financing needs.
Discuss the facts with the team before choosing a program. Availability, documentation and qualification depend on the borrower and the proposed loan.
The whole runway, including the part that surprises people at the front.
Your NMLS record, fingerprints, and a background check. No coursework, no exam, no per-state applications. You come out of it with your own NMLS unique identifier in your own name.
Systems access, program training, and an introduction to the loan officer and loan assistant who will work your files. You meet the people, not a portal.
Your borrower, your conversation — your own buyer or somebody else's. You complete the application and gather income, asset, and identification documents. Your Texana loan officer supports you on your first files.
Processing, underwriting submission, conditions, appraisal and title move forward with your team. Our closing target is around 22 days; complete documents, underwriting and third-party timing can change that timeline.
Your borrower closes with the loan you originated. Then you do it again — and the second one does not have to be your own transaction.
Registration removes the coursework, but it does not remove the decision. Originating is still real work on top of a real job, and plenty of agents would rather spend that time selling houses. The referral partner relationship exists for exactly that — and it is worth being clear that it is a working relationship, not a compensation arrangement.
You will see programs that hint at getting paid to send your buyers somewhere. Section 8 of the Real Estate Settlement Procedures Act prohibits paying for the referral of settlement service business, and we do not do it.
What a referral partner gets is service — speed, access, and communication on your buyer's loan. What a REMLO gets is compensation for origination work they perform. Those are two different things, and we keep them separate on purpose.
Registration, states, whose deals you can originate, compensation, and your brokerage relationship — answered plainly.
Program source: Texana Bank’s REMLO program. Rules and sources: Federal employee registration; RESPA referral rules; FHA Mortgagee Letter 2022-22; USDA lender responsibilities, Chapter 4.
Federal NMLS registration for bank employees versus a state MLO license, and the screening and training registration still requires.
Read the guide →Side by side: who qualifies, education and testing, background checks, renewals and moving from a bank to a mortgage company.
Read the guide →Bona fide employment, NMLS registration, originator pay rules, RESPA Section 8 and your brokerage’s policy.
Read the guide →Texana’s REMLO program is built for dual capacity. What FHA Mortgagee Letter 2022-22 and USDA’s current handbook say, and what each file review checks.
Read the guide →Your buyers end up here. These are borrowers Texana has already closed for, in their own words.
Tell us where you work and your buyer-side production over the last 12 months. We will walk you through what registration actually involves and what it would look like for you — including if the answer is that the Realtor Partner track fits better.
Or call us directly: (888) 272-8264