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Or, simply put â if a loan officer helps you with your mortgage and the total fees and yield spread premium add up to be $4,000 and the loan officer is on a â80% splitâ the loan officer stands to make 80% of $4,000 or $3,200.
Like many commission-based employees, mortgage loan officers can earn tremendous amounts of money. They can also go for long periods without seeing enough income to cover their household expenses and other obligations.ccording to the latest statistics, the average American mortgage loan officer makes $42,000 per year. This total income typically comes from two sources: a base salary and a post-closing commission.