More Videos:

Mortgage Sales Rep Market Looks Great, But Very Different

While upselling higher interest rates used to be accepted industry practice to pad a loan officer's income, the focus today is on satisfying a buyer's needs and providing a more consultative approach, Padavic says. If a salesperson wants to earn more, they need to generate more revenue by increasing loan volume. Volume is the name of the game for Chicago refinance.

And Providential plans to increase loan volume based on the sheer size of the market for Chicago home loans. They say they are adding 20 salespeople each month and plan to increase that to 30 per month by the second quarter.

"We have our sights set on growth," Padavic says. "And we offer excellent opportunities for ambitious people."