Loan Officer Jobs
Loan Officer jobs are open across banking, credit unions, mortgage companies, and fintech, from entry-level to senior and branch manager levels, with specializations in residential mortgage, commercial lending, and consumer loans. Find a role that fits from the openings below and apply directly.
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About the job
Company: HomeTown Lending
Position: Licensed Loan Officer Assistant (LOA)
Job Type: Full-Time
Compensation: $55,000 Base Salary + $100 Per Funded Loan
About HomeTown Lending
HomeTown Lending is a growing, independent mortgage brokerage committed to delivering exceptional service, competitive financing solutions, and a seamless mortgage experience. We pride ourselves on our team-oriented culture, strong industry relationships, and commitment to helping clients achieve their homeownership goals.
We are seeking an experienced, licensed Loan Officer Assistant (LOA) to work in managing a high-volume mortgage pipeline, supporting loan origination activities, and ensuring an exceptional experience for borrowers and referral partners.
Position Overview
The Licensed Loan Officer Assistant will serve as the primary operational and origination support partner, helping manage the mortgage process from initial application through closing.
This position requires an active Mortgage Loan Originator (MLO) license and previous experience working in a mortgage brokerage environment.
The ideal candidate is highly organized, proactive, detail-oriented, and comfortable managing multiple loans simultaneously. This individual must understand the broker loan process, anticipate needs, solve problems independently, and maintain consistent communication with borrowers, real estate agents, processors, and lending partners.
Key Responsibilities
Loan Origination & Application Support
- Assist with managing new mortgage inquiries, applications, and pre-approvals.
- Review borrower applications, credit reports, income documentation, assets, and liabilities.
- Calculate qualifying income, debt-to-income (DTI) ratios, and loan-to-value (LTV) ratios.
- Assist with structuring loan scenarios across Conventional, FHA, VA, and other available loan programs.
- Prepare and issue pre-approval letters as authorized.
- Communicate directly with borrowers to collect outstanding documentation and complete applications.
- Assist with loan pricing, rate lock coordination, and loan submissions.
Pipeline Management & Loan Processing Coordination
- Actively manage the loan pipeline from application through funding.
- Maintain accurate and updated loan files within Arive, the company's Loan Origination System (LOS).
- Coordinate with internal processors, underwriting teams, title companies, and other third parties.
- Monitor loan milestones, underwriting conditions, appraisal orders, and closing timelines.
- Identify potential issues early and proactively work toward solutions.
- Ensure all loans move efficiently through the pipeline and meet contract closing dates.
- Provide the CEO with consistent pipeline updates and identify files requiring immediate attention.
Borrower & Referral Partner Communication
- Serve as a primary point of contact for borrowers throughout the mortgage process.
- Provide proactive loan status updates to clients and real estate agents.
- Maintain professional relationships with referral partners and ensure timely responses to inquiries.
- Coordinate communication between the Loan Officers, clients, realtors, processors, and lending partners.
- Deliver a high level of customer service while maintaining accuracy and professionalism.
Support & Operational Efficiency
- Manage daily loan-related priorities and follow-ups.
- Organize and track outstanding applications, pre-approvals, and active loan files.
- Help streamline workflows and improve overall loan production efficiency.
- Anticipate upcoming deadlines, borrower needs, and potential obstacles.
- Assist with preparing loan scenarios and information for referral partner meetings.
- Take ownership of assigned responsibilities and minimize the need for constant oversight.
Required Qualifications
- Active Mortgage Loan Originator (MLO) license through NMLS — REQUIRED.
- Previous mortgage broker experience — REQUIRED.
- Minimum 2 years of experience in mortgage origination, loan officer assistance, or a closely related mortgage lending role preferred.
- Strong understanding of Conventional, FHA, and VA loan guidelines.
- Experience reviewing borrower income, assets, credit, and qualification documentation.
- Familiarity with mortgage pricing, loan structuring, and underwriting requirements.
- Experience managing multiple active mortgage files and deadlines.
- Strong written and verbal communication skills.
- Excellent organizational skills and attention to detail.
- Ability to work independently in a fast-paced environment.
- Strong problem-solving skills and a proactive approach to daily responsibilities.
Preferred Qualifications
- Experience using Arive Loan Origination System.
- Experience working with United Wholesale Mortgage (UWM).
- Previous experience supporting a high-producing Loan Officer, Branch Manager, or mortgage company executive.
- Experience working directly with real estate agents and referral partners.
- Strong knowledge of the mortgage process from initial application through funding.
Compensation
Base Salary: $55,000 annually
Production Incentive: $100 for every funded loan file eligible under the company's compensation plan.
This compensation structure rewards both operational performance and successful loan production.
What We're Looking For
We're looking for someone who takes ownership, works with urgency, and understands that communication and execution are critical in the mortgage industry.
The right candidate will be more than an administrative assistant. They will be a trusted partner who can confidently manage loan files, support borrowers, coordinate with referral partners, and help drive overall production.
This is an excellent opportunity for an experienced, licensed mortgage professional who enjoys the origination process and wants to play a key role in the growth of an independent mortgage brokerage.
How to Apply
Interested candidates should submit their resume, NMLS ID, and a brief summary of their mortgage brokerage experience for consideration.
- HomeTown Lending is an Equal Opportunity Employer.
Pay: $50,000.00 - $80,000.00 per year
Work Location: In person
Loan Officer Jobs by Experience Level
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Find Loan Officer JobsLoan Officer Job Market
Who's Hiring
- Primary Residential Mortgage1,036
- Satori Mortgage106S
- Leadling97
- Mutual of Omaha Mortgage40
- Paramount Residential Mortgage40
Top Industries Hiring
- Banking & Financial Services19
- Airlines2
- Government & Public Sector2
What Employers Look For
The qualifications that appear most often in loan officer jobs.
- Active NMLS license or eligibility to obtain one upon hire
- Experience originating residential mortgage or consumer loans
- Proficiency with loan origination software such as Encompass or Calyx
- Knowledge of federal lending regulations including TRID, RESPA, and HMDA
- Strong pipeline management and CRM skills
- Bachelor's degree in finance, business, or a related field preferred
Tips for Your Loan Officer Job Search
Tailor your resume to loan type
Residential mortgage, commercial, and consumer lending each have distinct vocabularies. Match your resume's language to the loan type in each posting, underwriting experience that reads as 'mortgage origination' lands differently than 'commercial credit analysis,' even for similar work.
List your NMLS license prominently
Your NMLS license number belongs in your resume header or a dedicated credentials section, not buried in a summary paragraph. Hiring managers screen for it fast, and missing it can get your application filtered out before anyone reads your experience.
Apply early to roles that fit
Migrate Mate lists loan officer openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target openings by portfolio size
Job postings often signal the book of business you'd be expected to build or inherit. If a posting mentions a minimum annual origination volume, make sure your resume references comparable numbers from previous roles to show you can hit that target.
Prepare for a scenario-based interview
Loan officer interviews frequently include credit scenario questions where you walk through a borrower's file, identify red flags, and explain your decision. Practice articulating your reasoning on DTI ratios, compensating factors, and guideline exceptions before you get in the room.
Negotiate on more than base salary
Most loan officer offers include a commission structure, lead allocation, and processing support that vary widely by employer. Ask specifically how leads are distributed, whether you're buying your own leads, and what backend support looks like, these factors shape your actual earning potential more than base pay alone.
Loan Officer Jobs: Frequently Asked Questions
Which companies are hiring the most loan officers?
The companies hiring the most loan officers right now include Primary Residential Mortgage, Satori Mortgage, and Leadling, with the largest share of openings in California, Texas, and Michigan, based on current listings on Migrate Mate as of November 2026. Both national banks and regional credit unions are actively posting, so the mix covers a range of institution sizes and loan focuses.
How many loan officer jobs are remote?
About 68% of loan officer openings are fully remote or hybrid as of November 2026, reflecting the industry's shift toward digital mortgage platforms. Consumer and mortgage loan roles are more likely to be remote than commercial or construction lending positions, which typically require in-person client and site interactions.
How do you become a loan officer?
To become a loan officer, you first need to obtain an NMLS license by completing pre-licensure education, passing the national exam, and meeting your state's background and credit check requirements. Most employers then provide on-the-job training on their specific loan products and origination software. Starting in a loan processor or loan officer assistant role is a common entry point that builds the underwriting and file-management knowledge you need to originate independently.
Can you get hired as a loan officer with no experience?
Yes, entry-level loan officer roles exist, particularly at retail banks, credit unions, and mortgage companies with structured training programs. Employers hiring with no experience typically require you to be NMLS-licensable and look for backgrounds in customer service, finance, or sales. Starting as a loan officer assistant or processor gives you direct exposure to underwriting guidelines and borrower communication before you move into a full origination seat.
What does the loan officer interview process look like?
Most loan officer interviews include an initial phone or video screen focused on your licensing status and lending background, followed by one or two rounds with a branch manager or regional director. Expect scenario questions about how you handle a deal that falls outside guidelines, how you build a referral pipeline, and how you've managed a high-volume month. Some employers also ask you to walk through a sample file or discuss your previous production numbers.
Where can I find and apply to loan officer jobs?
You can find and apply to loan officer jobs on Migrate Mate, which lists current openings from across the United States in one place. Find the roles that match your license type, loan specialization, and preferred location, then apply directly to each listing.
See All 2,115+ Loan Officer Jobs
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