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Part Time Mlo Jobs (NOW HIRING)

OneAZ Credit Union

Teller (Part-Time)

Glendale, AZ · On-site

$17 - $19/hr

Any individual who meets the definition of a mortgage loan originator (MLO) and is employed by a federal agency-regulated institution will need to be registered on the Nationwide Mortgage Licensing ...

Honor Credit Union

Branch Manager

Hartford, MI · On-site

Must be/or become registered as an MLO and have a Nationwide Licensing Number. EXPERIENCE REQUIRED ... Honor has excellent benefits for all full and part time team members. We offer: * Medical with ...

Honor Credit Union

Member Specialist

Decatur, MI · On-site

$15 - $18.75/hr

Must be/or become registered as an MLO and have a Nationwide Licensing Number. EXPERIENCE REQUIRED ... Honor has excellent benefits for all full and part time team members. We offer: * Medical with ...

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Part Time Mlo information

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$23K

$79.8K

$135.5K

How much do part time mlo jobs pay per year?

As of Jul 20, 2026, the average yearly pay for part time mlo 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.

How much does a part-time mortgage loan officer make?

A part-time mortgage loan officer typically earns between $20,000 and $50,000 annually, depending on experience, location, and commission structure. Compensation often includes base pay plus commissions based on loans closed, and many work flexible hours while maintaining licensing and certification requirements.

How much does a mortgage broker make on a $500,000 mortgage?

A mortgage broker typically earns a commission based on the loan amount, often around 0.5% to 1%, which would be approximately $2,500 to $5,000 on a $500,000 mortgage. Their income can vary depending on the commission structure, experience, and the lender's policies, and they may also receive additional fees or bonuses for volume or performance.

What are part-time MLOs?

Part-time MLOs, or Mortgage Loan Originators, are professionals who assist clients in obtaining mortgage loans but work fewer hours than full-time employees. They typically work flexible schedules, which may include evenings or weekends, to accommodate clients' needs. Part-time MLOs perform many of the same duties as full-time MLOs, such as evaluating loan applications, explaining loan options, and ensuring compliance with regulations. This role is ideal for individuals seeking work-life balance or supplemental income while still being involved in the mortgage industry.

Will MLO be replaced by AI?

Mortgage Loan Originators (MLOs) play a key role in guiding clients through the loan process, which involves complex communication, assessment of individual financial situations, and regulatory compliance. While AI tools can assist with data analysis and automate certain tasks, the personal interaction and judgment required in the MLO role make full replacement unlikely in the near future.

What are some common challenges faced by part-time Mortgage Loan Officers (MLOs), and how can they be addressed?

Part-time MLOs often face challenges related to managing client expectations and maintaining consistent communication due to their limited working hours. Balancing multiple clients or loan files with a part-time schedule can make it harder to respond quickly to inquiries or keep up with fast-moving real estate transactions. To address these challenges, it's helpful to utilize robust organizational tools, set clear communication boundaries with clients, and collaborate closely with full-time colleagues or support staff to ensure seamless client service. Building strong relationships within your team can also help delegate tasks during off-hours and maintain a high level of customer satisfaction.

What is the difference between Part Time Mlo vs Full Time Mlo?

AspectPart Time MloFull Time Mlo
Work HoursFewer hours, typically less than 30 hours/weekFull schedule, usually 40+ hours/week
CertificationsSame licensing requirements as full-timeSame licensing requirements as part-time
Work EnvironmentFlexible, often remote or part-time officeConsistent, full-time office or remote
IncomeProportional to hours workedHigher overall income due to full hours

Part Time Mlo roles offer flexibility with fewer hours, suitable for those balancing other commitments, while Full Time Mlo positions provide a consistent schedule and higher income potential. Both roles require the same licensing and industry knowledge, but differ mainly in hours and income level.

What are the key skills and qualifications needed to thrive as a Part Time Mortgage Loan Officer (MLO), and why are they important?

To thrive as a Part Time MLO, you need a solid understanding of mortgage lending practices, financial analysis, and regulatory compliance, typically supported by state licensure and passing the Nationwide Multistate Licensing System (NMLS) exam. Familiarity with loan origination systems (LOS), credit analysis software, and customer relationship management (CRM) tools is often required. Strong interpersonal skills, attention to detail, and the ability to build trust with clients are crucial soft skills. These competencies ensure accurate loan processing, regulatory adherence, and exceptional client service in a competitive lending environment.

Can I work part-time as a mortgage loan officer?

Yes, mortgage loan officers can work part-time, depending on the employer and licensing requirements. Part-time roles may involve fewer hours and flexible schedules, but licensing and experience requirements still apply. Some companies may prefer full-time employees for client continuity and sales targets.
More about Part Time Mlo jobs
What cities are hiring for Part Time Mlo jobs? Cities with the most Part Time Mlo job openings:
What are the most commonly searched types of Mlo jobs? The most popular types of Mlo jobs are:
What states have the most Part Time Mlo jobs? States with the most job openings for Part Time Mlo jobs include:
What job categories do people searching Part Time Mlo jobs look for? The top searched job categories for Part Time Mlo jobs are:
Part Time Mlo jobs near you
Infographic showing various Part Time Mlo job openings in the United States as of July 2026, with employment types broken down into 3% Locum Tenens, 6% Internship, 45% As Needed, 2% Full Time, 28% Temporary, and 16% Nights. Highlights an 81% Physical, and 19% Remote job distribution, with an average salary of $79,825 per year, or $38.4 per hour.
Mortgage Loan Originator (MLO) - Dual Compensation

Mortgage Loan Originator (MLO) - Dual Compensation

Local Bank

Maitland, FL • On-site

Part-time

Posted 4 days ago

Job description

Job Type
Part-time
Description
The Dual Compensation Loan Originator (DCLO) position is designated for an aspiring MLO, which also serves in a licensed Realtor profession. The DCLO is responsible for generating residential mortgage loan production through developing and maintaining strong client relationships, providing exceptional service, and guiding customers through the home loan process. This role actively seeks new business opportunities, evaluates borrower needs, and ensures all mortgage applications comply with regulatory and bank policies.
Business Development & Customer Service
  • Build and maintain a strong pipeline of mortgage prospects through referrals, community involvement, and networking activities.
  • Conduct borrower consultations to understand financial goals and recommend suitable mortgage solutions.
  • Maintain consistent, timely communication with borrowers, realtors, builders, and internal partners throughout the loan process.
  • Deliver exceptional service to promote customer satisfaction, repeat business, and referrals.

Loan Origination & Processing
  • As a DCLO, agree to a partnership assignment with a tenured MLO or producing sales manager.
  • Assist borrowers with mortgage pre-qualification, pre-approvals, and qualifying.
  • Help collect and verify financial documentation for application accuracy.
  • Collaborate with department management, underwriters, processors, and closing staff to facilitate efficient and timely loan decisions and closings.
  • Monitor loan progress and proactively address information requests or conditions.

Compliance & Risk Management
  • Ensure all loan interactions and documentation comply with federal, state, and bank regulations such as RESPA, TILA, HMDA, and Fair Lending.
  • Maintain accurate and complete loan records in accordance with bank standards.
  • Stay current on mortgage programs, market trends, interest rates, and regulatory changes affecting the mortgage industry.

Performance & Reporting
  • Meet or exceed individual production goals and performance expectations.
  • Track and report pipeline activity, conversion ratios, and lead sources.
  • 100% in-person or virtual participation in all mandatory sales meetings, division meetings, company-wide meetings, product training, compliance trainings, and/or equivalent type development meetings.
  • With all clients, the DCLO agrees to disclose to all applicants potential representation in a dual capacity, and agrees to secure signed agreements acknowledging this disclosure requirement.
  • Other duties and responsibilities as assigned.

Requirements
Working Conditions:
  • Standard office environment or remote with moderate travel within the assigned market; occasional travel for meetings and events.
  • The DCLO position is part-time and considered exempt under the FSLA outside sales exemption.
  • The DCLO position must demonstrate at least one year's worth of full-time employment in a licensed Realtor profession, specifically within the Orlando/Central Florida region.
  • The DCLO employee must continue to maintain full-time employment in a Realtor or equivalent type real estate profession.
  • The DCLO position is not eligible for benefits.
  • Flexibility to work evenings or weekends based on borrower availability.
  • Ability to represent the bank professionally at networking and community events.
  • Prolonged periods sitting at a desk and working on a computer.
  • Must be able to lift up to 15 pounds at times.
  • Professional attire required.

Qualifications:
  • High school diploma or equivalent required; associate or bachelor's degree preferred.
  • Active NMLS registration or the ability to obtain an active NMLS registration with the ability to maintain SAFE Act compliance.
  • Strong understanding of residential mortgage products, underwriting standards, and the loan process.
  • Excellent interpersonal, communication, and problem-solving skills.
  • Ability to work independently, manage multiple loan files, and prioritize deadlines.

Dual representation limitations:
  • The DCLO applicant acknowledges that certain states regulations, state funded down payment assistance programs, and investors may not accept dual representation. Local Bank reserves the right to withhold compensation where dual capacity limitations are governed by other authorities.
  • The DCLO applicant hereby acknowledges that this position is part-time, commission only and ineligible for benefits.

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