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Usda Mortgage Officer Jobs (NOW HIRING)

F&M Trust

Mortgage Loan Officer

Harrisburg, PA · On-site

Role FocusThe Mortgage Loan Officer role is centered on sales, relationship development, and ... Conventional, FHA, VA, USDA, PHFA, and ARM mortgage programsConstruction, rehabilitation, bridge ...

F&M Trust

Mortgage Loan Officer

Harrisburg, PA · On-site

Role Focus The Mortgage Loan Officer role is centered on sales, relationship development, and ... Conventional, FHA, VA, USDA, PHFA, and ARM mortgage programs * Construction, rehabilitation, bridge ...

F&M Trust

Mortgage Loan Officer

Harrisburg, PA · On-site

Role Focus The Mortgage Loan Officer role is centered on sales, relationship development, and ... Conventional, FHA, VA, USDA, PHFA, and ARM mortgage programs * Construction, rehabilitation, bridge ...

Legacy Mutual Mortgage

Loan Officer

San Antonio, TX

... USDA mortgage loans. In business since 2005, we are dedicated to meeting the home loan needs of ... At least 3 years' experience as a mortgage loan officer or comparable experience originating loans.

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Usda Mortgage Officer information

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$23K

$79.8K

$135.5K

How much do usda mortgage officer jobs pay per year?

As of Sep 8, 2026, the average yearly pay for usda 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 is a USDA Mortgage Officer?

USDA Mortgage Officers are professionals who help homebuyers secure USDA loans, which are mortgages backed by the U.S. Department of Agriculture. They guide applicants through the process of qualifying for and obtaining a USDA loan, which is designed to assist buyers in rural and some suburban areas. Their responsibilities include evaluating financial documents, explaining loan options, and ensuring compliance with USDA guidelines. By working with a USDA Mortgage Officer, buyers can better understand their eligibility and navigate the complexities of the loan process.

What are the key skills and qualifications needed to thrive as a USDA Mortgage Officer?

To thrive as a USDA Mortgage Officer, you need a solid understanding of mortgage lending processes, federal loan guidelines, and strong analytical abilities, typically supported by experience in finance or banking. Familiarity with loan origination systems, underwriting software, and USDA-specific mortgage platforms is essential. Excellent customer service, attention to detail, and strong communication skills help build trust with clients and facilitate smooth transactions. These skills ensure compliance with regulations, accurate loan processing, and positive client experiences in a regulated lending environment.

What are some common challenges USDA Mortgage Officers face when helping clients secure a USDA loan?

USDA Mortgage Officers often encounter challenges such as educating clients about property and income eligibility requirements, as USDA loans have specific guidelines that can be confusing for first-time buyers. Additionally, navigating the documentation process and ensuring timely communication with underwriters and rural development offices can be complex due to the stringent verification steps involved. Officers also frequently work closely with real estate agents and clients to address concerns about closing timelines, as USDA loans can sometimes take longer to process than conventional loans.

What is the difference between Usda Mortgage Officer vs FHA Mortgage Specialist?

AspectUsda Mortgage OfficerFHA Mortgage Specialist
CredentialsLoan originator license, USDA-specific trainingLoan originator license, FHA-specific training
Work EnvironmentPrimarily rural or agricultural areas, government-backed loansUrban/suburban areas, FHA loan programs
Employer & IndustryGovernment agencies, rural banks, credit unionsPrivate lenders, banks, mortgage companies
Search & Comparison IntentUnderstanding USDA loan options vs FHA loansComparing FHA loan requirements with USDA loans

Both roles involve guiding clients through mortgage applications, but USDA Mortgage Officers focus on rural, government-backed USDA loans, while FHA Mortgage Specialists handle FHA loans often used in urban areas. The key differences lie in the loan programs, target areas, and employer types.

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What cities are hiring for Usda Mortgage Officer jobs?

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What states have the most Usda Mortgage Officer jobs?

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Usda Mortgage Officer jobs near you
Infographic showing various Usda Mortgage Officer job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 92% Full Time, and 7% Part Time. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $79,825 per year, or $38.4 per hour.

Mortgage Officer

Coastal Community Federal Credit Union

La Marque, TX • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 19 days ago

Job description

A Mortgage Officer builds relationships with prospective borrowers, evaluates loan applications, and guides clients through the mortgage process from pre-qualification to closing. This role combines sales, financial analysis, and customer service to deliver compliant, timely mortgage solutions that meet both client needs and company objectives. The ideal candidate is detail-oriented, persuasive, and comfortable working in a regulated lending environment.
Requirements
Key Responsibilities
  • Origination: Source and originate residential mortgage loans through referrals, marketing, community outreach, and direct prospecting.
  • Client Consultation: Meet with borrowers to assess needs, explain loan products, and recommend appropriate mortgage solutions.
  • Application Management: Collect and review borrower documentation, complete loan applications, and ensure accuracy of disclosures and paperwork.
  • Underwriting Coordination: Work closely with underwriters, processors, and closing teams to resolve conditions and move loans to timely closing.
  • Compliance: Ensure all loan files comply with federal, state, and company lending regulations and internal policies.
  • Pipeline Management: Maintain an active pipeline, track loan status, and provide regular updates to borrowers and referral partners.
  • Relationship Building: Develop and maintain relationships with realtors, builders, financial advisors, and other referral sources.
  • Performance Targets: Meet or exceed monthly and quarterly production goals and quality metrics.

Qualifications
Required
  • Education: High school diploma or GED; Associate's or Bachelor's degree in Business, Finance, or related field preferred.
  • Experience: Minimum 2 years of mortgage origination, loan officer, or mortgage sales experience.
  • Licensing: Active Mortgage Loan Originator (MLO) license as required by state and NMLS registration.
  • Technical Skills: Proficiency with loan origination systems (LOS), Microsoft Office, and CRM tools.
  • Background Checks: Ability to pass credit, criminal background, and employment verification checks.

Preferred
  • Experience: Proven track record of meeting production goals in retail or wholesale mortgage channels.
  • Knowledge: Familiarity with conventional, FHA, VA, and USDA loan products.
  • Certifications: Additional industry certifications or continuing education in mortgage lending.
  • Bi-lingual a plus

Skills and Competencies
  • Communication: Strong verbal and written communication; ability to explain complex financial concepts clearly.
  • Sales Acumen: Consultative selling skills with a focus on building long-term client relationships.
  • Analytical Ability: Attention to detail and ability to analyze credit, income, and property information.
  • Organization: Excellent time management and pipeline prioritization skills.
  • Customer Service: Empathetic, responsive, and client-focused approach.
  • Integrity: High ethical standards and commitment to regulatory compliance.

Compensation and Benefits
  • Compensation: Competitive base salary
  • Benefits: Medical, dental, vision, 401(k) retirement plan, paid time off, and professional development support.

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