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Mortgage Officer Jobs (NOW HIRING)

LendWise Mortgage

Mortgage Loan Officer

Calabasas, CA

$48K - $196K/yr

Your Role As a Mortgage Loan Officer at LendWise Mortgage, you will guide clients through one of the most significant financial decisions of their lives. We provide our loan officers with the ...

LendWise Mortgage

Mortgage Loan Officer

Beverly Hills, CA · On-site

$48K - $196K/yr

Your Role As a Mortgage Loan Officer at LendWise Mortgage, you will guide clients through one of the most significant financial decisions of their lives. We provide our loan officers with the ...

Olympian Mortgage

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Experienced Mortgage Loan Officer

Troy, MI · On-site

$100K - $250K/yr

Mortgage Loan Officer - $100K-$250K+ | Training + Leads Provided We are hiring motivated individuals to become Mortgage Loan Officers and build a career in high-income mortgage sales , including ...

Olympian Mortgage

Be Seen First

Experienced Mortgage Loan Officer

Troy, MI · On-site

$100K - $250K/yr

Mortgage Loan Officer - $100K-$250K+ | Training + Leads Provided We are hiring motivated individuals to become Mortgage Loan Officers and build a career in high-income mortgage sales , including ...

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Mortgage Officer information

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$23K

$79.8K

$135.5K

How much do mortgage officer jobs pay per year?

As of Sep 12, 2026, the average yearly pay for mortgage officer in the United States is $79,825.00, according to ZipRecruiter salary data. Most workers in this role earn between $52,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What does a mortgage officer do?

A Mortgage Officer, also known as a Loan Officer, helps individuals and businesses secure loans to purchase real estate. They evaluate applicants' financial situations, guide them through available loan options, and assist with the application process. Mortgage Officers also ensure all paperwork is completed correctly and work with underwriters to approve or deny loans. Their goal is to match clients with the most suitable mortgage products while adhering to all regulatory guidelines.

What are the key skills and qualifications needed to thrive as a mortgage officer, and why are they important?

To thrive as a Mortgage Officer, you need strong knowledge of mortgage lending practices, financial analysis, and regulatory compliance, usually supported by a bachelor's degree in finance or a related field. Familiarity with loan origination software (LOS), credit analysis tools, and, in some cases, state licensing or NMLS certification is important. Excellent interpersonal skills, attention to detail, and persuasive communication help build client trust and facilitate smooth transactions. These competencies ensure accurate loan processing, regulatory adherence, and high client satisfaction in a competitive lending environment.

What are some common challenges mortgage officers face when working with clients, and how can they successfully navigate them?

Mortgage Officers often encounter challenges such as clients' limited understanding of loan products, incomplete application documents, or rapidly changing lending regulations. Successfully navigating these hurdles involves clear communication, educating clients on their options, and staying up-to-date with regulatory changes. Building strong relationships with underwriters, realtors, and clients also helps streamline the process and resolve issues quickly, contributing to a smoother loan approval experience.

What is the difference between Mortgage Officer vs Mortgage Broker?

AspectMortgage OfficerMortgage Broker
CredentialsTypically requires mortgage licensing, state-specific certificationsRequires licensing and often additional certifications, such as NMLS
Work EnvironmentWorks directly for a bank or lending institutionOperates independently or for a brokerage firm, representing multiple lenders
Employer & Industry UsageEmployed by banks, credit unions, or mortgage lendersWorks for a mortgage brokerage or independently
Search & Comparison IntentOften compared for direct lending rolesCompared for intermediary roles in mortgage transactions

Mortgage Officers work directly for lenders, helping clients secure loans and typically requiring specific licensing. Mortgage Brokers act as intermediaries, connecting borrowers with multiple lenders, often holding similar certifications. Both roles require licensing, but their work environments and employer types differ. Understanding these distinctions helps job seekers choose the right career path in the mortgage industry.

Is a mortgage loan officer a good career?

A mortgage loan officer is a sales and finance professional who helps clients secure mortgage loans, often working in banks or lending institutions. The role requires strong communication skills, knowledge of lending regulations, and typically involves commission-based income, with job stability influenced by the housing market and economic conditions.
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Mortgage Officer jobs near you
Infographic showing various Mortgage Officer job openings in the United States as of August 2026, with employment types broken down into 97% Full Time, and 3% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $79,825 per year, or $38.4 per hour.

Mortgage Loan Officer

Fredericksburg, TX • On-site

First United Bank & Trust
Commercial Banking • 201 - 500 employees
Learn more about First United Bank & Trustexternal

Full-time

Re-posted yesterday

Key responsibilities

  • Originate and close mortgage loans through external sources and marketing initiatives.

  • Generate referral business, leads, and relationships with individuals, clients, past clients, and real estate professionals.

  • Counsel borrowers through the application, approval, and closing process, including reviewing the Closing Disclosure and attending closings.

Job description

Join Our Team!

We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.

The PositionJob TitleMortgage Loan OfficerJob Description

SUMMARY

The primary role of a Mortgage Loan Officer is to originate and close mortgage loans through extensive marketing initiatives as well as new and existing relationships. The Mortgage Officer position is an outside sales position responsible for originating retail mortgage loans through external sources. This position is directly responsible for origination objectives and sales strategies that will expand market share.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

  • Uses interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals.
  • Cross sells First United Bank products and services.
  • Works with bank personnel to promote First United in assigned markets.
  • Takes thorough and complete loan applications; analyzes and pre-qualifies applicant information to determine viability of the client's desired loan program.
  • Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements and loan application.
  • Determines the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.
  • Submits the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing.
  • Counsels the borrower through the application, approval and closing process - including review of the Closing Disclosure with the borrower prior to closing.
  • Attends closings and ensures great customer service throughout the process.
  • Meets minimum expectations for First United best practices and production standards.
  • Attends assigned production meetings.
  • Provides exceptional customer service, maintains high ethical standards, and insures compliance with every borrower.

ADDITIONAL DUTIES AND RESONSIBILITIES

  • Performs other duties as requested by Executive Management or Supervisor.
  • Completes all required compliance exams on a yearly basis.
  • Adherence to all First United Policies and Procedures.
  • Dresses professionally.

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

  • High School diploma or GED required.
  • MUST have at least two years' experience in mortgage lending environment.
  • Proven record of success for generating sales in a mortgage lending environment.
  • MUST be currently working as a Mortgage Loan Officer closing a minimum of 2 self-sourced loans per month

Technical/Functional Competencies

  • Possession of strong organizational skills.
  • Excellent verbal and written communication skills.
  • Exceptional interpersonal communication skills.
  • Ability to work independently on assigned tasks as well as to accept direction on given assignments.
  • Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations:Austin-Seven Oaks, Dallas Mortgage, Fredericksburg-Main, Ft. Worth Mortgage 2, OKC-Southwest, Plano-Parkwood, Rockwall Mortgage, Seguin-East, Seguin-Main, Seguin-West, Southlake Mortgage, Temple, Tulsa

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.

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