Loan Originator Resume examples & templates
Copyable Loan Originator Resume examples
Ever wondered what it takes to help someone achieve the American dream of homeownership? Loan Originators are the financial matchmakers who turn "maybe someday" into "welcome home." They're the professionals who guide clients through what's often the biggest financial decision of their lives—whether it's a first-time homebuyer nervously entering the market, a growing family upgrading to more space, or an investor expanding their portfolio. With mortgage rates experiencing their most dramatic fluctuations in decades (jumping from historic lows of 2.65% in January 2021 to over 7% in late 2023), Loan Originators have had to become even more nimble financial advisors.
The mortgage industry is undergoing significant transformation as digital mortgage platforms reshape how applications are processed. Yet despite this tech evolution, the Bureau of Labor Statistics projects steady 4% growth for loan officers through 2031—proof that the human element remains crucial. While algorithms can crunch numbers, they can't calm a nervous first-time buyer or craft creative financing solutions for self-employed borrowers with complex income structures. As mortgage products continue to diversify and regulatory requirements evolve, skilled Loan Originators who combine financial expertise with genuine people skills will find themselves increasingly valuable in tomorrow's lending landscape.
Junior Loan Originator Resume Example
Cameron Reeves
Brooklyn, NY | (917) 555-8439 | c.reeves@emailpro.net | linkedin.com/in/cameronreeves
Detail-oriented Loan Originator with 18 months of experience helping first-time homebuyers secure competitive mortgage rates. Background in customer service combined with NMLS certification and strong knowledge of FHA, VA, and conventional loan products. Maintained 94% application-to-closing ratio in 2023 while building relationships with real estate agents and financial advisors for consistent referrals.
EXPERIENCE
Loan Originator | First Capital Mortgage | Brooklyn, NY | June 2022 – Present
- Process 12-15 mortgage applications monthly, specializing in first-time homebuyer programs with focus on FHA and conventional loans
- Conduct initial consultations to assess borrower needs, explain loan options, and collect required documentation
- Increased personal conversion rate from 71% to 88% through improved follow-up system and better client education
- Collaborate with 4 local real estate agencies to establish referral partnerships, generating 31% of current client base
- Assist processor with documentation collection and resolving underwriting conditions to ensure on-time closings
Loan Officer Assistant | First Capital Mortgage | Brooklyn, NY | January 2022 – May 2022
- Supported 2 senior loan officers with application processing, document collection, and client communications
- Prepared initial loan application packages and conducted preliminary reviews for completeness
- Managed tracking system for 30+ active loans to ensure timely progression through approval pipeline
- Communicated with borrowers to explain documentation requirements and address basic questions
Customer Service Representative | Citizen’s Bank | Brooklyn, NY | August 2021 – December 2021
- Handled 40+ daily customer inquiries regarding account services, online banking, and loan products
- Referred qualified customers to mortgage department, achieving highest internal referral rate among team
- Resolved customer complaints with 97% satisfaction rating based on post-call surveys
EDUCATION & LICENSURE
Bachelor of Science in Business Administration | Finance Concentration
Brooklyn College | Brooklyn, NY | Graduated May 2021
Nationwide Mortgage Licensing System (NMLS) | License #2089437
Completed 20-hour SAFE Mortgage Loan Originator course | December 2021
Mortgage Loan Originator Certification
American Bankers Association | April 2022
SKILLS
- Loan Application Processing
- Mortgage Product Knowledge (FHA, VA, Conventional)
- Client Relationship Management
- Encompass Loan Origination Software
- Credit Analysis & Prequalification
- Rate Lock Procedures
- Document Collection & Review
- TRID Compliance
- Closing Preparation
- CRM Systems (Salesforce)
- MS Office Suite & Google Workspace
Mid-level Loan Originator Resume Example
Michael Torres
Chicago, IL • (312) 555-8721 • m.torres@emaildomain.com • linkedin.com/in/michaeltorres
Professional Summary
Loan Originator with 5+ years of experience in conventional, FHA, and VA lending. Consistently exceeded quarterly loan targets by 17-23% while maintaining a 96% customer satisfaction rating. Strong background in credit analysis and building referral networks with real estate professionals. Looking to leverage my relationship-building skills and lending expertise to drive growth in a progressive financial institution.
Professional Experience
Senior Loan Originator | First Capital Mortgage | Chicago, IL | June 2021 – Present
- Manage $12.8M in monthly loan volume, specializing in conventional and jumbo residential mortgages across a diverse client portfolio
- Increased personal production by 27% in 2022 by developing relationships with 14 new real estate agencies
- Mentor 3 junior loan officers, creating training materials that improved their conversion rates by an average of 19%
- Received “Originator of the Quarter” award twice for exceeding targets while maintaining impeccable file quality
- Streamlined application process by collaborating with processors to reduce average closing time from 38 to 29 days
Loan Originator | Midwest Home Loans | Oak Park, IL | March 2019 – May 2021
- Originated $8.4M in monthly loan volume with focus on first-time homebuyers and FHA/VA programs
- Built and maintained a 72% referral rate from past clients and real estate partners (up from branch average of 51%)
- Conducted 8-10 pre-qualification consultations weekly, converting approximately 65% to applications
- Developed specialized knowledge in down payment assistance programs, helping 47 families secure first homes
Loan Officer Assistant | Community First Bank | Evanston, IL | January 2018 – February 2019
- Supported 2 senior loan officers in processing applications and gathering documentation for underwriting review
- Communicated with borrowers to explain loan options and collect required paperwork
- Created tracking system that reduced document collection time by 31% and improved file organization
- Prepared initial loan estimates and closing disclosures under supervision, ensuring compliance with regulations
Education & Certifications
Bachelor of Business Administration, Finance
DePaul University, Chicago, IL | 2017
Certifications:
- NMLS Licensed Mortgage Loan Originator #876543 (2018-present)
- Certified Mortgage Advisor (CMA) | 2020
- FHA/VA Lending Specialist Certification | 2021
Skills
- Loan Program Knowledge: Conventional, FHA, VA, USDA, Jumbo
- Mortgage Software: Encompass, Calyx Point, Blend
- Credit Analysis & Risk Assessment
- Rate Lock Strategies
- Client Relationship Management
- TRID Compliance
- Real Estate Agent Networking
- Financial Needs Analysis
- Sales Pipeline Management
- Microsoft Office Suite & Google Workspace
Professional Affiliations
- Illinois Mortgage Bankers Association (2019-Present)
- Chicago Association of REALTORS® – Affiliate Member (2020-Present)
Senior / Experienced Loan Originator Resume Example
MICHAEL TURNER
Chicago, IL | (312) 555-9087 | mturner@emaildomain.com | linkedin.com/in/michaelturner
Loan Originator with 9+ years of experience in residential and commercial lending. Consistently ranked in the top 10% of producers, with a personal best of $32M in loan volume for 2022. Known for cultivating lasting relationships with clients and referral partners while maintaining exceptional conversion rates. Excel at navigating complex financial scenarios to find optimal lending solutions.
PROFESSIONAL EXPERIENCE
Senior Loan Originator | First Capital Mortgage Group | Chicago, IL | 2019 – Present
- Generate $25-30M in annual loan volume across conventional, FHA, VA, and jumbo mortgage products
- Built a referral network that now accounts for 73% of business through strategic partnerships with 15+ real estate agencies
- Manage a pipeline of 40-50 loans monthly while maintaining a 91% customer satisfaction rating
- Developed and implemented a first-time homebuyer workshop series that converted 27% of attendees into clients
- Mentor junior originators, helping 3 team members increase their production by an average of 42% in their first year
Loan Originator | Midwest Lending Solutions | Chicago, IL | 2016 – 2019
- Increased personal loan volume from $8.2M to $18.7M in 3 years through expanded networking and referral generation
- Specialized in renovation loans, becoming the company’s go-to originator for 203k and HomeStyle products
- Achieved 67% referral rate from past clients — 22% above company average
- Created customized loan presentations that improved application-to-close ratio by 31%
Loan Officer Assistant | Premier Mortgage Services | Oak Park, IL | 2014 – 2016
- Supported 3 top-producing loan officers managing combined annual volume of $45M
- Processed loan applications, verified documentation, and coordinated with underwriting to ensure timely closings
- Promoted from processor to assistant after demonstrating exceptional client communication skills
- Maintained database of 1,200+ past clients and referral sources for marketing campaigns
EDUCATION & CERTIFICATIONS
Bachelor of Science in Finance | DePaul University | Chicago, IL | 2013
NMLS Licensed Mortgage Loan Originator | License #876543 | 2014 – Present
Certified Mortgage Advisor (CMA) | National Association of Mortgage Advisors | 2018
FHA Direct Endorsement Certification | 2017
SKILLS
- Loan Product Expertise: Conventional, FHA, VA, USDA, Jumbo, Non-QM
- Pipeline Management & Prioritization
- Advanced Rate Lock Strategies
- Encompass Loan Origination Software
- Optimal Blue & Mortgage Coach
- Credit Analysis & Improvement Strategies
- Debt-to-Income Ratio Optimization
- Real Estate Investment Property Financing
- Construction & Renovation Lending
- TRID & Regulatory Compliance
PROFESSIONAL AFFILIATIONS
- Illinois Mortgage Bankers Association (Member since 2016)
- Chicago Association of REALTORS® (Affiliate Member)
- National Association of Mortgage Brokers
How to Write a Loan Originator Resume
Introduction
In the competitive mortgage industry, your resume is often the first impression you'll make on potential employers. For loan originators, this document needs to showcase not just your understanding of mortgage products, but also your sales ability and customer service skills. I've reviewed thousands of loan originator resumes over my career, and the difference between those that land interviews and those that don't often comes down to a few key elements.
Resume Structure and Format
Keep your resume clean and scannable. Loan managers typically spend just 7-9 seconds on initial resume reviews (yep, that fast!). A single-page resume works for those with under 5 years of experience, while two pages are acceptable for seasoned originators.
- Use a clean, professional font like Calibri or Arial (10-12pt)
- Include clear section headers with adequate white space
- Save as a PDF unless specifically asked for another format
- Name your file professionally (FirstLast_LoanOriginator.pdf)
- Avoid fancy graphics or charts that ATS systems might misread
Profile/Summary Section
Your summary should be 3-5 lines that highlight your loan production volume, specialties, and what makes you valuable. This isn't where you state what you want—it's where you sell what you offer.
Customize your summary for each application. If the job posting emphasizes FHA loans, make sure your FHA experience appears in your summary if you have it.
Example: "Loan Originator with 6+ years specializing in VA and conventional loans. Consistently exceeded quarterly targets by 17%, with $24.7M in loan volume for 2022. Known for 98% customer satisfaction and 24-hour response time to all client inquiries."
Professional Experience
For loan originators, results matter most. Focus on:
- Loan volume (annual or quarterly figures)
- Number of loans closed
- Conversion rates from application to closing
- Types of loans you specialize in (Conventional, FHA, VA, USDA, Jumbo)
- Client retention rates or referral percentages
Format each role with company name, location, your title, and dates employed. Then add 4-6 bullet points that start with strong action verbs. For example:
- Generated $31M in loan volume during 2021, exceeding target by 23%
- Cultivated relationships with 14 local real estate offices, resulting in 37 referrals in Q3 2022
- Reduced average closing time from 42 to 29 days through improved document collection processes
Education and Certifications
Include your NMLS ID prominently near the top of your resume. List relevant certifications first, followed by education:
- NMLS licensing information (always include your ID number)
- State-specific mortgage broker/banker licenses
- Continuing education completions
- Relevant certifications (e.g., Certified Mortgage Advisor)
- Degree information (institution, degree, year—skip GPA unless recent grad)
Keywords and ATS Tips
Most mortgage companies use Applicant Tracking Systems to screen resumes before human eyes see them. Include these terms naturally throughout your resume:
- Loan origination, underwriting, processing
- Rate locks, pre-approvals, pre-qualifications
- TRID, RESPA, TILA, HMDA compliance
- Loan types you've handled (Conventional, FHA, VA, USDA, Jumbo)
- CRM systems you've used (Encompass, Calyx Point, LendingQB)
- Sales techniques (consultative selling, needs analysis)
Industry-specific Terms
Show your industry knowledge by naturally incorporating relevant terminology. Mention specific investor guidelines you're familiar with (Fannie Mae, Freddie Mac, etc.) and any niche markets you serve (first-time homebuyers, self-employed borrowers, investment properties).
Common Mistakes to Avoid
- Listing job duties instead of achievements ("responsible for" is a red flag)
- Vague claims without numbers ("increased loan volume" vs. "increased loan volume by 32%")
- Outdated information about lending practices or regulations
- Focusing only on processing skills if applying for a sales-focused originator role
- Typos! (Nothing says "I don't pay attention to detail" like errors in a document)
Before/After Example
Before: "Responsible for originating mortgage loans and working with clients."
After: "Originated $18.4M in mortgage loans (73 units) in 2022, specializing in first-time homebuyers and self-employed borrowers. Maintained 91% application-to-closing ratio while reducing average closing time to 26 days."
Remember, your resume should tell the story of your mortgage career through concrete results, not just responsibilities. Good luck with your application!
Related Resume Examples
Soft skills for your Loan Originator resume
- Relationship building with clients who often feel overwhelmed by financial decisions
- Active listening to uncover unstated client needs and concerns (especially crucial for first-time homebuyers)
- Clear communication of complex loan terms without banking jargon
- Time management across multiple applications at different stages
- Stress resilience during high-volume periods and shifting interest rates
- Cross-functional collaboration with underwriters, appraisers and real estate agents
Hard skills for your Loan Originator resume
- NMLS Certification and state-specific lending licenses
- Proficiency with Encompass loan origination software
- FHA/VA/USDA loan qualification expertise
- Credit analysis and debt-to-income ratio calculation
- Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA)
- Compliance knowledge of TRID, RESPA, and ECOA regulations
- Mortgage Pipeline Management (rate locking strategies)
- Advanced Excel skills for loan scenario modeling
- Appraisal review and property valuation assessment