Mortgage Loan Processor

Luminate Bank

Mortgage Loan Processor ensuring accurate loan documentation and compliance for Luminate Bank. Responsible for managing loan applications and providing excellent service to loan officers and borrowers.

Posted 7/2/2026full-timeRemote • New Jersey • 🇺🇸 United StatesJuniorMid-Level💰 $32 - $36 per hourWebsite

About the role

Key responsibilities & impact

Review loan applications for accuracy and completeness
Collect, verify, and analyze supporting documentation (income, assets, credit, title, appraisal, etc.)
Submit complete loan files to underwriting within established timelines
Ensure all conditions are met prior to closing
Act as the primary point of contact for Loan Officers, borrowers, and third-party vendors during the processing stage
Provide clear and timely updates on loan status to all stakeholders
Collaborate with underwriters, closers, and other team members to resolve issues quickly
Ensure adherence to federal, state, and investor regulations, as well as company policies
Maintain accurate records in the loan origination system (LOS)
Identify and escalate potential risks or red flags during the loan review process
Deliver a high level of customer service to both internal and external clients
Guide borrowers through document requirements and answer processing-related questions

Requirements

What you’ll need

Two years minimum processing in a correspondent lending environment
Effective communication skills, both written and verbal
Proficiency in DU/DO, LP, GUS, FHA Connection, VA Portal
Knowledge of a variety of loan programs including FHA, VA, Conventional, USDA and MHFA
Ability to calculate income, including self-employed borrowers
Acute attention to detail
Detail-oriented with strong problem solving and organizational abilities
Proficiency with mortgage processing systems and Microsoft office

Benefits

Comp & perks

Competitive compensation reliant on ability and experience
Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision
Life and AD&D Insurance, as well as additional voluntary benefit possibilities
401K with robust company match
Flexible PTO program
Earned Sick & Safe Time (ESST)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Loan Application ReviewDocumentation VerificationIncome CalculationProblem SolvingOrganizational Abilities

Soft Skills

Customer ServiceCollaborationTimely Communication