Mortgage Loan Originator Jobs in USA with Visa Sponsorship
Mortgage Loan Originators can secure H-1B visa or TN visa sponsorship, but most roles require NMLS licensure and a degree in finance or a related field. Sponsorship is less common than in tech, making employer targeting and timing critical. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsAbout the team
At Zillow Home Loans (ZHL), our Underwriting team is at the heart of delivering a best-in-class borrower experience. We’re a group of seasoned mortgage professionals who combine precision, integrity, and collaboration to ensure every loan we underwrite meets the highest standards of quality and compliance.
As part of the Operations organization, the Underwriting team partners closely with Processing, Funding, Quality Control, and Risk to deliver sound, salable loans that support Zillow’s mission of making home financing simpler and more transparent for our customers.
We operate in a fast-paced, high-volume environment where independent judgment and attention to detail matter. Every team member contributes to maintaining our reputation for accuracy and reliability while supporting a culture of continuous learning and professional growth.
Our underwriters are trusted decision-makers who bring deep product knowledge, certification-level expertise, and a commitment to doing the right thing for both the borrower and the business. If you’re passionate about quality, thrive on complex loan scenarios, and want to work alongside industry leaders who value your expertise, you’ll feel right at home on the ZHL Underwriting team.
About the role
The role of the Underwriter is to conduct a thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans. Additional responsibilities include:
- Review resubmitted files and documents
- Make and issue independent and compliant loan decisions
- Enter information into Encompass LOS to document and validate the file
- Maintain company service level and turn-time standards
- Maintain confidentiality with private and sensitive information
- Respond to audits and post-closing issues on time
- Maintain working and specific knowledge of agency and investor guidelines and policies and regulatory and market changes
- Collaborate with processing staff on underwriting deficiencies and calculation errors and loan processors regarding acceptable credit documentation
This role has been categorized as a Remote position. “Remote” employees do not have a permanent corporate office workplace and, instead, work from a physical location of their choice, which must be identified to the Company. U.S. employees may live in any of the 50 United States, with limited exceptions.
In California, Connecticut, Maryland, Massachusetts, New Jersey, New York, Washington state, and Washington DC the standard base pay range for this role is $41.30 - $65.90 hourly. This base pay range is specific to these locations and may not be applicable to other locations.
In Colorado, Hawaii, Illinois, Minnesota, Nevada, Ohio, Rhode Island, and Vermont the standard base pay range for this role is $39.20 - $62.60 hourly. The base pay range is specific to these locations and may not be applicable to other locations.
In addition to a competitive base pay, employees in this role are eligible for incentive compensation and equity awards. Actual amounts will vary depending on experience, performance and location.
Who you are
Candidates with active underwriting certifications (FHA DE and/or VA LAPP/SAR) are highly preferred and will receive strong consideration.
- A minimum of 5+ years of recent residential mortgage underwriting experience
- 6+ years mortgage industry experience
- Ability to Underwrite mortgage loan files for agency compliance and investor guidelines
- Experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals
- Ability to manage a large pipeline and effectively handle pressure and tight deadlines
- Strong analytical decision-making, problem-solving, prioritization of workload
- Ability to succeed in a fast-paced, high-stakes environment and maintain a high level of quality and production standards
- Strong verbal and written communication skills and able to develop and maintain professional relationships with peers and management
- Certifications highly preferred (FHA-CHUMS; VA-LAPP/SAR)
- Experience underwriting Jumbo loans preferred
- Experience with recent manual underwriting
- Experience in a medium to large size nonbank lender preferred
- Encompass experience preferred
Get to know us
At Zillow, we’re reimagining how people move—through the real estate market and through their careers. As the most-visited real estate platform in the U.S., we help customers navigate buying, selling, financing and renting with greater ease and confidence. Whether you're working in tech, sales, operations, or design, you’ll be part of a company that's reshaping an industry and helping more people make home a reality.
Zillow is honored to be recognized among the best workplaces in the country. Zillow was named one of FORTUNE 100 Best Companies to Work For® in 2025, and included on the PEOPLE Companies That Care® 2025 list, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow.
No matter where you sit in the organization, your work will help drive innovation, support our customers, and move the industry—and your career—forward, together.
Zillow Group is an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please contact your recruiter directly.
Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable state and local law.
Los Angeles County applicants: Job duties for this position include: work safely and cooperatively with other employees, supervisors, and staff; adhere to standards of excellence despite stressful conditions; communicate effectively and respectfully with employees, supervisors, and staff to ensure exceptional customer service; and follow all federal, state, and local laws and Company policies. Criminal history may have a direct, adverse, and negative relationship with some of the material job duties of this position. These include the duties and responsibilities listed above, as well as the abilities to adhere to company policies, exercise sound judgment, effectively manage stress and work safely and respectfully with others, exhibit trustworthiness and professionalism, and safeguard business operations and the Company’s reputation. Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
About the team
At Zillow Home Loans (ZHL), our Underwriting team is at the heart of delivering a best-in-class borrower experience. We’re a group of seasoned mortgage professionals who combine precision, integrity, and collaboration to ensure every loan we underwrite meets the highest standards of quality and compliance.
As part of the Operations organization, the Underwriting team partners closely with Processing, Funding, Quality Control, and Risk to deliver sound, salable loans that support Zillow’s mission of making home financing simpler and more transparent for our customers.
We operate in a fast-paced, high-volume environment where independent judgment and attention to detail matter. Every team member contributes to maintaining our reputation for accuracy and reliability while supporting a culture of continuous learning and professional growth.
Our underwriters are trusted decision-makers who bring deep product knowledge, certification-level expertise, and a commitment to doing the right thing for both the borrower and the business. If you’re passionate about quality, thrive on complex loan scenarios, and want to work alongside industry leaders who value your expertise, you’ll feel right at home on the ZHL Underwriting team.
About the role
The role of the Underwriter is to conduct a thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans. Additional responsibilities include:
- Review resubmitted files and documents
- Make and issue independent and compliant loan decisions
- Enter information into Encompass LOS to document and validate the file
- Maintain company service level and turn-time standards
- Maintain confidentiality with private and sensitive information
- Respond to audits and post-closing issues on time
- Maintain working and specific knowledge of agency and investor guidelines and policies and regulatory and market changes
- Collaborate with processing staff on underwriting deficiencies and calculation errors and loan processors regarding acceptable credit documentation
This role has been categorized as a Remote position. “Remote” employees do not have a permanent corporate office workplace and, instead, work from a physical location of their choice, which must be identified to the Company. U.S. employees may live in any of the 50 United States, with limited exceptions.
In California, Connecticut, Maryland, Massachusetts, New Jersey, New York, Washington state, and Washington DC the standard base pay range for this role is $41.30 - $65.90 hourly. This base pay range is specific to these locations and may not be applicable to other locations.
In Colorado, Hawaii, Illinois, Minnesota, Nevada, Ohio, Rhode Island, and Vermont the standard base pay range for this role is $39.20 - $62.60 hourly. The base pay range is specific to these locations and may not be applicable to other locations.
In addition to a competitive base pay, employees in this role are eligible for incentive compensation and equity awards. Actual amounts will vary depending on experience, performance and location.
Who you are
Candidates with active underwriting certifications (FHA DE and/or VA LAPP/SAR) are highly preferred and will receive strong consideration.
- A minimum of 5+ years of recent residential mortgage underwriting experience
- 6+ years mortgage industry experience
- Ability to Underwrite mortgage loan files for agency compliance and investor guidelines
- Experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals
- Ability to manage a large pipeline and effectively handle pressure and tight deadlines
- Strong analytical decision-making, problem-solving, prioritization of workload
- Ability to succeed in a fast-paced, high-stakes environment and maintain a high level of quality and production standards
- Strong verbal and written communication skills and able to develop and maintain professional relationships with peers and management
- Certifications highly preferred (FHA-CHUMS; VA-LAPP/SAR)
- Experience underwriting Jumbo loans preferred
- Experience with recent manual underwriting
- Experience in a medium to large size nonbank lender preferred
- Encompass experience preferred
Get to know us
At Zillow, we’re reimagining how people move—through the real estate market and through their careers. As the most-visited real estate platform in the U.S., we help customers navigate buying, selling, financing and renting with greater ease and confidence. Whether you're working in tech, sales, operations, or design, you’ll be part of a company that's reshaping an industry and helping more people make home a reality.
Zillow is honored to be recognized among the best workplaces in the country. Zillow was named one of FORTUNE 100 Best Companies to Work For® in 2025, and included on the PEOPLE Companies That Care® 2025 list, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow.
No matter where you sit in the organization, your work will help drive innovation, support our customers, and move the industry—and your career—forward, together.
Zillow Group is an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please contact your recruiter directly.
Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable state and local law.
Los Angeles County applicants: Job duties for this position include: work safely and cooperatively with other employees, supervisors, and staff; adhere to standards of excellence despite stressful conditions; communicate effectively and respectfully with employees, supervisors, and staff to ensure exceptional customer service; and follow all federal, state, and local laws and Company policies. Criminal history may have a direct, adverse, and negative relationship with some of the material job duties of this position. These include the duties and responsibilities listed above, as well as the abilities to adhere to company policies, exercise sound judgment, effectively manage stress and work safely and respectfully with others, exhibit trustworthiness and professionalism, and safeguard business operations and the Company’s reputation. Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
See all 335+ Mortgage Loan Originator jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Mortgage Loan Originator roles.
Get Access To All JobsTips for Finding Mortgage Loan Originator Jobs
Prioritize NMLS Licensure Before Applying
Most states require an active NMLS license before you can originate loans. Employers are far more willing to sponsor a candidate who is already licensed than one who needs to complete the process after hiring.
Target Banks Over Independent Mortgage Companies
Large national banks and credit unions have established immigration legal teams and are more likely to sponsor visas than smaller independent mortgage brokers, who rarely have the infrastructure to navigate the sponsorship process.
Lead With Your Production Numbers
Loan volume closed, pipeline size, and purchase-versus-refinance mix are what hiring managers evaluate. Sponsoring employers need to justify the cost, so concrete performance metrics make your application significantly stronger than credentials alone.
Time Applications Around Rate Cycles
Mortgage hiring expands when origination volume rises with favorable rate environments. Applying during an active lending market gives you more open roles and employers with stronger revenue to absorb sponsorship costs and legal fees.
Clarify Your Degree Field Early
H-1B eligibility requires a specialty occupation with a specific degree requirement. Finance, economics, and business degrees generally support this, but employers need documentation that your role genuinely requires that academic background.
Use Migrate Mate to Find Sponsoring Employers
Sponsoring employers in mortgage lending are a minority of the market. Migrate Mate filters roles to surface positions from employers with a documented history of visa sponsorship, saving you from applying to companies that will not sponsor.
Mortgage Loan Originator jobs are hiring across the US. Find yours.
Find Mortgage Loan Originator JobsFrequently Asked Questions
Can a Mortgage Loan Originator role qualify for H-1B sponsorship?
Yes, but it depends on how the role is structured. USCIS requires the position to qualify as a specialty occupation, meaning a bachelor's degree in a specific field like finance, economics, or business administration must be a genuine requirement. Roles focused heavily on sales with no degree requirement in the job description are harder to approve. Employers who frame the position around financial analysis, risk assessment, and regulatory compliance have stronger petition outcomes.
Do I need an NMLS license to get sponsored as a Mortgage Loan Originator?
Effectively yes. Most employers will not begin the sponsorship process for a candidate who lacks an active NMLS license, because you cannot legally originate loans without one. The Secure and Fair Enforcement for Mortgage Licensing Act requires federal registration or state licensure depending on your employer type. Getting licensed before applying removes a major obstacle and signals to employers that you can contribute immediately after hire.
How common is visa sponsorship for Mortgage Loan Originators?
Less common than in fields like software engineering or finance. Mortgage lending is heavily commission-driven, and many employers are small brokerages without the legal infrastructure to sponsor visas. Sponsorship is most available at large national banks, federally chartered credit unions, and diversified financial institutions with in-house immigration counsel. Browsing verified sponsoring employers on Migrate Mate is the most efficient way to identify which companies actually sponsor for this role.
Can Canadian or Mexican citizens work as Mortgage Loan Originators under a TN visa?
Possibly, under the Economist or Financial Analyst TN category, but it requires the role to align closely with those job descriptions. A Mortgage Loan Originator with a strong analytical or advisory component and a qualifying degree in economics or finance may support a TN application, but a predominantly sales-focused role is unlikely to qualify. TN status also does not create a path to permanent residence, which is worth factoring into your long-term planning.
What degree do I need for H-1B sponsorship as a Mortgage Loan Originator?
Finance, economics, accounting, business administration, or mathematics are the most defensible fields. The key USCIS test is whether the degree field directly relates to the duties performed. A degree in an unrelated field, even combined with years of industry experience, makes the petition harder to approve. If your degree is in a borderline field, your employer's attorney may need to document the specific financial analysis and regulatory responsibilities in the role to strengthen the specialty occupation argument.
What is the prevailing wage requirement for sponsored Mortgage Loan Originator jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.
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