Loan Officer Jobs in Texas
Loan Officer jobs in Texas are among the most active in the country, concentrated in mortgage lending, commercial banking, and consumer finance across a market that ranges from entry-level processors to senior commercial underwriters. Houston, Dallas, and San Antonio anchor most of the hiring, with major employers like Wells Fargo, JPMorgan Chase, and United Wholesale Mortgage maintaining large Texas operations. The most in-demand specialties are residential mortgage origination, SBA and commercial lending, and home equity products. Find a role that fits 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
See All 186+ Loan Officer Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
Find Loan Officer JobsLoan Officer Jobs by City in Texas
Where Texas roles are concentrated, by current openings.
Loan Officer Job Market in Texas
A snapshot from current Texas openings, updated as new roles post.
Who's Hiring
- Primary Residential Mortgage66
- Kind Lending9
- Leadling8
- First United Bank6
- Satori Mortgage5S
Top Industries Hiring
- Banking & Financial Services
- Construction & Real Estate
What Texas Employers Look For
The qualifications that appear most often in loan officer jobs across Texas.
- Active NMLS license or registration required, including Texas-mandated state licensing for residential mortgage loan originators
- Bachelor's degree in finance, business, economics, or a related field preferred by most lenders
- Proven experience originating or processing mortgage, consumer, or commercial loans
- Strong knowledge of federal lending regulations including RESPA, TILA, and fair lending guidelines
- Proficiency with loan origination software such as Encompass, Calyx Point, or comparable platforms
- Demonstrated ability to build referral networks with realtors, builders, or business clients in the local market
Loan Officer Jobs in Texas: Frequently Asked Questions
How do you become a loan officer in Texas?
Residential mortgage loan originators in Texas must obtain an NMLS license through the Texas Department of Savings and Mortgage Lending, which requires completing pre-licensing education, passing the SAFE Mortgage Loan Originator Test, and passing a background and credit check. Consumer and commercial loan officers working for federally regulated banks register through NMLS instead of obtaining a state license. Most employers expect at least a bachelor's degree in finance, business, or a related field.
How much do loan officers make in Texas?
Loan officers in Texas earn a median of about $66,370 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $34,150 for the lowest 10% to over $135,280 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire loan officers in Texas?
Employers hiring loan officers in Texas right now include Primary Residential Mortgage, Kind Lending, and Leadling, based on current listings on Migrate Mate as of November 2026. Texas's large population and active real estate market mean both national banks and regional lenders maintain significant loan officer headcounts across the state's major metros.
Which Texas cities have the most loan officer jobs?
Houston, Dallas, and Austin have the most loan officer openings in Texas. Houston's size and diverse economy drive the highest volume of mortgage and commercial lending positions, while Dallas and its suburbs support a dense concentration of bank headquarters, credit unions, and mortgage companies that collectively account for a large share of statewide hiring.
Are there remote loan officer jobs in Texas?
Yes, and more than many financial roles, because licensed mortgage originators can often work clients entirely by phone, email, and e-signature. About 50% of loan officer openings tied to Texas are remote or hybrid as of November 2026, reflecting how digitally the application and approval process now runs. Retail-branch roles and SBA commercial positions tend to remain in-person, while mortgage and consumer lending positions are the most likely to offer remote flexibility.
How can I get hired as a loan officer in Texas with little or no experience?
The most realistic entry path is joining a large Texas bank or mortgage company as a loan officer assistant or junior processor, roles that provide hands-on origination experience without requiring an existing client book. Employers like Wells Fargo, Frost Bank, and regional credit unions across Houston and Dallas regularly hire candidates willing to start in support roles. Completing your NMLS pre-licensing coursework before applying signals commitment and immediately expands the roles you can be considered for.
Where can I find and apply to loan officer jobs in Texas?
You can find and apply to loan officer jobs in Texas on Migrate Mate, which lists current Texas openings from employers across the state. Search the listings, find roles that match your experience and preferred location, and apply directly to the ones that fit.
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