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Mortgage Jobs in Rochester, NY (NOW HIRING)

Premium Mortgage

Mortgage Loan Processor II

Rochester, NY · On-site

$24 - $27.50/hr

Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the ...

Five Star Bank

Mortgage Originator

Rochester, NY · On-site

Mortgage Originator Reports To: Regional Mortgage Sales Manager Department: Residential Lending Purpose : At Five Star Bank, our people are our greatest competitive advantage. As a Mortgage Loan ...

M&T Bank

Mortgage Originator

Rochester, NY · On-site

Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders ...

Mtb

Mortgage Originator

Rochester, NY

Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders ...

M&T Bank

Mortgage Originator

Rochester, NY · On-site

Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders ...

PREMIUM MORTGAGE CORPORATION

Jr Closer

Rochester, NY · On-site

$20 - $22/hr

About Premium Mortgage Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of ...

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Mortgage information

What jobs are in the mortgage industry?

The mortgage industry plays an essential role in helping people acquire a home or other real estate. A loan officer is a typical position in the field, and the one most home buyers are likely to encounter first. Loan officers are responsible for acting as an intermediary between the borrower and the lender, who is usually, if not always, a bank. You could also be a mortgage underwriter, responsible for finalizing the transaction by approving or denying a borrower based on income, credit, and other factors. Or you could be an escrow agent, responsible for transferring the ownership of a property from one party to another.

What are the main challenges a mortgage loan officer faces when working with clients?

Mortgage loan officers often encounter challenges such as navigating complex lending regulations, managing tight deadlines, and addressing clients’ unique financial situations. They must balance the needs of both borrowers and lending institutions, which requires strong communication and problem-solving skills. Additionally, fluctuating interest rates and changing market conditions can impact the loan approval process, making adaptability and up-to-date industry knowledge essential.

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

To thrive as a Mortgage Loan Officer, you need strong knowledge of lending processes, financial analysis, and relevant regulations, typically supported by a bachelor's degree in finance or a related field and state licensing. Familiarity with loan origination software (LOS), customer relationship management (CRM) systems, and compliance tools is essential. Excellent interpersonal skills, attention to detail, and the ability to build trust with clients help set top performers apart. These skills ensure accurate loan processing, regulatory compliance, and successful client relationships, which are crucial for business growth and customer satisfaction.

What is a mortgage?

Mortgages are loans specifically used to purchase real estate, such as a house or property. When you take out a mortgage, you borrow money from a lender and agree to pay it back, usually in monthly installments, over a set period (often 15 or 30 years). The property itself serves as collateral, meaning the lender can take ownership if you fail to make payments. Mortgages come in various types, such as fixed-rate and adjustable-rate, each with different terms and interest rates. Understanding the basics of mortgages can help you make informed decisions when buying a home.

What is the difference between Mortgage vs Loan Officer?

AspectMortgage
RoleMortgage
Primary FocusFacilitating home loans and mortgage financing
CertificationsMortgage license, state-specific licensing
Work EnvironmentBanking institutions, mortgage companies, online platforms
Industry UsageReal estate, banking, finance

The term "Mortgage" generally refers to the financial product or the process of obtaining a home loan. A "Loan Officer" is a professional who evaluates, authorizes, and recommends approval of various types of loans, including mortgages. While mortgage professionals specialize in home loans, loan officers may handle a broader range of loan types. Both roles often require similar certifications and work within the banking or finance industry, but their specific focus differs.

More about Mortgage jobs
What are the most commonly searched types of Mortgage jobs in Rochester, NY? The most popular types of Mortgage jobs in Rochester, NY are:
What are popular job titles related to Mortgage jobs in Rochester, NY? For Mortgage jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Mortgage jobs in Rochester, NY look for? The top searched job categories for Mortgage jobs in Rochester, NY are:
What cities near Rochester, NY are hiring for Mortgage jobs? Cities near Rochester, NY with the most Mortgage job openings:
Mortgage jobs near you
Infographic showing various Mortgage job openings in Rochester, NY as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.

Mortgage Loan Processor II

Premium Mortgage

Rochester, NY • On-site

$24 - $27.50/hr

Other

Re-posted 11 days ago

Job description

Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn't just a transaction to us. It's a partnership for life.
We accomplish this level of customer satisfaction by employing top tier talent-all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve.
All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management.
This posting is an evergreen posting. While the posting is open for applications, we may not be actively filling this roll.
The Processor obtains, processes, and reviews all required loan documentation in compliance with the company's established deadlines.
Job Duties:
The Processor will be responsible for completing the following job duties. This job description reflects management's assignment of essential functions; and nothing in this herein restricts management's right to assign or reassign duties and responsibilities to this job at any time.

  • Currently (or will be within the first year of hire) trained and approved to process the following loan types: Conventional, FHA, USDA, VA, Construction END loans, Jumbo, and Portfolio.
  • Reviews all documentation necessary for Loan Approval for accuracy, completeness, and tracks all data in origination software (Encompass)
  • Quickly and efficiently answers questions from consumer throughout the mortgage process
  • Stays up to date on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all other products offered by Premium Mortgage.
  • Processes verifications for credit items, including, but not limited to: Employment, Asset information, Rental history, Credit reports, etc.
  • Works closely with Underwriting and Closing departments to ensure the timely processing and quality of loan file flow
  • Review conditions and ensure Borrower(s) is providing the correct information needed to get their loan Cleared to close.
  • Training as needed
The following qualification are required of the Processor.
Education:
  • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable.
Experience:
  • Previous experience in the mortgage industry with understanding of loan processing
Skills:
  • Customer service skills
  • Time management skills
  • Written communication skills
  • Verbal communication skills
  • Team player
  • Multi-tasking
  • Detail orientated
  • Organizational skills
  • Problem solving skills
  • Independent Judgement
Working Conditions:
The Processor is primarily in an office setting and maybe exposed to outdoor conditions. Premium Mortgage adheres to a hybrid work model with a requirement of 3 days in office.
The working conditions are classified as sedentary work:
  • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.
Physical Requirements:
The following is a description of the physical requirements on a daily basis for the Processor. While performing the duties of the job the employee is regularly expected to:
  • Stand
  • Sit
  • Hear
  • Walk
  • Talk
  • Stoop or kneel
  • Repetitive motion

This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
Premium Mortgage Corporation provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.
The starting base salary range for this position is $24.00 - $27.50, hourly. This is the range of the base pay only, it does not include other components that make up the total compensation package of the position. If offered a position, your total compensation package will be determined by experience, location, skills and/or education which may result in a total compensation package that falls outside the provided range.

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