Two paths, one team, and infrastructure that simply works. Bring your own book or let us fill your pipeline. Either way, you get access to 100+ wholesale lenders, in-house processing, and a team that actually supports your growth goals.
100+
Wholesale Lenders on platform
50 States
Licensed*
Enhanced Tools & AI Support
Most shops make loan officers choose between support and freedom. We built HappyDog so you don’t have to. Take our leads on HD Pro or bring your own book on HD Partner. Either way, you get 100+ lenders, in-house processing, and a team that keeps every file moving.
Want leads delivered daily? We’ve got them. Bring your own book? We’ll help grow it. Either way, you’re set up to succeed.
Shop every file across dozens of wholesale lenders. You have options, so the deals you find close with you.
In-house processors, compliance handled, and leadership a phone call away. You do your job. We’ll do ours.
HappyDog was built around people first. You’ll work alongside a team with real skin in the game, where in-house processing keeps your files moving and our technology makes sure no lead falls through the cracks.
As a broker, you can shop dozens of wholesale lenders. That means better pricing, more loan options, and the ability to win deals. But you’re not doing it alone. Behind you is retail-level support: licensing and compliance handled, marketing that helps you close, processing that keeps files moving, and leadership you can actually reach.
Most shops make you pick between freedom and support. We built HappyDog so you don’t have to.
You won’t be building anything from scratch. The people, processes and tools are already running, so on day one you plug in and start closing.
We handle the setup so you can start selling.
Shop every file and get help moving it forward.
A team that makes you look good and keeps you visible.
Tools and coaching that grow with you.
Five things we actually run the company on.
Happy loan officers make happy borrowers. It starts with you.
Help is always available and just a call away, not a ticket queue.
Clear comp, clear processes, clear answers.
Honest with borrowers, honest with each other.
No layers between you and a decision.
Choose the structure that matches your goals.
HD Pro is for loan officers who'd rather spend their day closing than prospecting. We deliver warm, qualified leads daily, coach you on converting them, and manage your tech and pipeline from day one. You focus on the borrower. We handle the rest.
Qualified lead flow
Company-generated, daily
Tech platform
Fully managed
Processing support
In-house
Coaching
Weekly sales coaching
Licensed LOs who want a steady pipeline without the prospecting
Producers who thrive with coaching and structure
Currently holds a license in CA (additional states a plus)
You've built your own book. You know how to source. HD Partner gives you HappyDog's full infrastructure, in-house processing, and broker platform while you run your own pipeline with full autonomy. Your network is the investment. Your comp reflects that.
Lead Source
Your own book & referrals
Teach Platform
Full access, your workflowIncluded
Processing
In-house
Compensation
Higher split
Experienced LOs with an established referral base
Producers who want maximum autonomy and comp upside
Currently holds a license in CA (additional states a plus)
Making a career shift can be scary if you don’t have all the answers. We’ve tried to include them all below.
Simply. Every HappyDog loan officer is paid as a 1099 independent contractor, and your comp is set by the team you join. On HD Pro, we generate and deliver your leads, so your comp reflects that investment in your pipeline. On HD Partner, you bring your own book, so you keep a bigger share of every loan you close. No tiers to climb, no surprise deductions.
1099, for every loan officer on both teams. That’s by design. Instead of putting your money into a one-size-fits-all benefits package, we put it where it does you the most good: your comp. You keep more of what you earn and run your business your way.
We will help import any existing files or leads to your new pipeline and into the CRM making sure no data is lost.
Timing can differ, but we have complete licensing support built in to make the process super efficient.
