Mortgage Specialist Jobs in USA with Visa Sponsorship
Mortgage Specialist roles in the U.S. typically qualify for H-1B visa sponsorship under the specialty occupation category, requiring a bachelor's degree in finance, economics, or a related field. Employers in banking and lending regularly sponsor, though competition for H-1B lottery selection means timing your job search matters. For detailed occupation requirements, see the O*NET profile.
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1101 Pacific Avenue - Tacoma, Washington 98402
Job Summary
The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect home lending business to build and develop new client loan originations and relationships.
- Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions.
- Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process.
- Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Maintain proficiency on sales/originator systems and develop efficient workflows.
- Keep informed of trends and developments in the real estate market and mortgage industry.
- Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree in a business-related field or equivalent experience (preferred)
Work Experience
3+ years Experience as a loan officer in 1st mortgage production (preferred)
3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
Skills
- Excellent communication skills, both written and verbal.
- Strong customer service skills.
- Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
- Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
- Generate new mortgage business and manage the loan origination process from initial application through to closing.
- Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms.
- Build partnerships with real estate agents and financial advisors.
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Driving Requirements
May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 09/01/2026
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
Location:
1101 Pacific Avenue - Tacoma, Washington 98402
Job Summary
The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect home lending business to build and develop new client loan originations and relationships.
- Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions.
- Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process.
- Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Maintain proficiency on sales/originator systems and develop efficient workflows.
- Keep informed of trends and developments in the real estate market and mortgage industry.
- Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree in a business-related field or equivalent experience (preferred)
Work Experience
3+ years Experience as a loan officer in 1st mortgage production (preferred)
3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
Skills
- Excellent communication skills, both written and verbal.
- Strong customer service skills.
- Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
- Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
- Generate new mortgage business and manage the loan origination process from initial application through to closing.
- Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms.
- Build partnerships with real estate agents and financial advisors.
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Driving Requirements
May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 09/01/2026
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
See all 663+ Mortgage Specialist Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Mortgage Specialist roles.
Get Access To All JobsTips for Finding Visa Sponsorship as a Mortgage Specialist
Target banks and non-bank lenders with H-1B track records
Large commercial banks and mortgage companies file H-1B petitions far more regularly than smaller brokerages. Focusing your search on established lenders significantly increases your chances of finding an employer willing to sponsor.
Confirm your degree aligns with the specialty occupation requirement
USCIS requires your degree to directly relate to the Mortgage Specialist role. Finance, economics, accounting, and business degrees with a quantitative focus are strongest. A mismatch between your major and the job description is a common denial reason.
Apply early in the calendar year to align with H-1B lottery timing
H-1B registrations open in March for an October 1 start date. Starting your job search in January gives employers time to evaluate you, prepare documentation, and file before the registration window closes.
Highlight compliance and regulatory knowledge in your resume
Mortgage Specialists operating under RESPA, TILA, and state licensing frameworks demonstrate specialized expertise USCIS values. Employers also see compliance fluency as evidence your role genuinely requires degree-level knowledge, strengthening the petition.
Ask directly about sponsorship before investing in the interview process
Many mortgage employers have sponsored before but do not advertise it. Raising the question early, ideally after a recruiter screens you, saves both sides time and identifies which employers have an established immigration process in place.
Use Migrate Mate to find employers actively open to visa sponsorship
Migrate Mate filters mortgage and financial services roles by sponsorship willingness, so you are not cold-applying to companies that will not sponsor. Browsing the platform saves weeks of outreach to employers who are not a fit.
Frequently Asked Questions
Does a Mortgage Specialist role qualify as a specialty occupation for H-1B purposes?
Generally yes, but the job description matters significantly. USCIS requires that a bachelor's degree in a specific field be a standard, minimum entry requirement for the role. Mortgage Specialist positions framed around loan origination, financial analysis, or credit risk assessment are stronger candidates than generalist sales roles. Employers with degree requirements written explicitly into the job posting have a better approval record.
Which visa types are realistic for Mortgage Specialists seeking U.S. sponsorship?
The H-1B visa is the primary pathway for most Mortgage Specialists, particularly those from countries without special treaty arrangements. Australian citizens can pursue the E-3 visa, which has no lottery and a far simpler process. Canadian and Mexican nationals may qualify under the TN visa category, though mortgage roles require careful review of whether they fit TN's defined occupation list. O-1 visa is rarely applicable in this field.
What degree do I need for an employer to sponsor me as a Mortgage Specialist?
A bachelor's degree in finance, economics, accounting, business administration, or a closely related quantitative field is the standard requirement. The key is that your degree field must connect logically to the specific duties of the role. A general business degree can work if the job involves financial modeling or risk analysis. Degrees in unrelated fields, even combined with years of experience, create real obstacles for H-1B specialty occupation approval.
Are mortgage employers likely to sponsor H-1B visas, and what affects their willingness?
Mid-size to large banks, credit unions, and independent mortgage companies do sponsor H-1B petitions, though it is less common than in tech or healthcare. Employer willingness depends on their past sponsorship experience, internal HR capacity, and whether they have an immigration attorney on retainer. Companies that have filed H-1B petitions before move faster and with more confidence. Browse Migrate Mate to identify employers already open to sponsorship rather than approaching the question cold.
Can I transfer my H-1B to a new mortgage employer if I change jobs?
Yes. Under H-1B portability rules, you can start working for a new employer as soon as they file an H-1B transfer petition, without waiting for approval, as long as your current H-1B was previously approved and you have maintained valid status. The new employer must file a new Labor Condition Application and I-129 petition. The specialty occupation determination applies to the new role independently, so the new job description needs to hold up to scrutiny on its own.
What is the prevailing wage requirement for sponsored Mortgage Specialist 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.