Mortgage Loan Processor

• Review loan applications for accuracy and completeness
• Collect, verify, and analyze supporting documentation, including income, assets, credit, title, and appraisal
• 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 processing
• Provide clear and timely loan-status updates to stakeholders
• Collaborate with underwriters, closers, and other team members to resolve issues
• Ensure adherence to federal, state, and investor regulations and company policies
• Maintain accurate records in the loan origination system
• Identify and escalate potential risks or red flags during loan review
• Deliver high-quality service to internal and external clients
• Guide borrowers through document requirements and answer processing-related questions

Mortgage loan processor managing construction and renovation loans for a fast-growing U.S. bank

Mortgage Loan Processor – Construction and Renovation

Mortgage loan processor managing construction and renovation loan documentation for Luminate Bank, a fast-growing U.S. financial institution.
Coordinating borrowers, underwriters, contractors, and vendors through closing and investor purchase.

• Serve as the single point of contact for members throughout the mortgage process.
• Ensure each mortgage file is processed accurately and in a timely manner.
• Gather required documentation and prepare loans for Underwriting.
• Oversee the loan process from initial disclosure through closing and provide ongoing member communication.
• Manage residential real estate loan documentation and review files for completeness and regulatory and policy compliance.
• Guide mortgage applicants through the process using communication protocols and follow-up.
• Verify file information from the Mortgage Application Processor and Mortgage Loan Officer.
• Review submitted interest rates, determine whether rates can be locked, and lock application rates when needed.
• Work with Mortgage Loan Officers and mortgage staff to handle applications professionally and promptly.
• Satisfy loan conditions, track outstanding documents, and follow up with members.
• Determine loan-file readiness for underwriting and submit files to assigned Mortgage Underwriters.
• Validate loan approvals against established lending guidelines.
• Review credit reports for derogatory credit lines, disputes, and other relevant factors.
• Prepare initial and final mortgage documents using MortgageBot, Imageflow, and DocMagic.
• Communicate with appraisers, settlement agents, county clerks, insurance companies, and other industry professionals.
• Request and follow up on real estate appraisals, title opinions, and title commitments.
• Verify insurance policies, including policyholders, property address, coverage amounts, dates, and premiums.
• Ensure loan files contain proper signatures, dates, HMDA, escrow, and other relevant data.
• Upload and accurately index mortgage documentation into ImageFlow.
• Set and confirm closing dates and maintain the SharePoint Closing Calendar.
• Verify employment and mortgage/rent information when needed.
• Achieve production goals established by Founders Federal Credit Union.
• Comply with Founders’ policies and applicable laws, regulations, and statutes, including NCUA, FFIEC, GLB, and BSA requirements.
• Protect the privacy, integrity, and confidentiality of member information.
• Perform all other duties as assigned.

Mortgage Loan Processor preparing residential loans for underwriting at a South Carolina credit union

Mortgage Loan Processor preparing residential mortgage files for underwriting and closing at Founders Federal Credit Union.
Serving members, coordinating vendors, and ensuring regulatory compliance from disclosure through closing.

• processing mortgage loan applications
• completing loan level reviews ensuring quality and data integrity in preparation for submission to underwriting
• Interview applicants to understand their financial needs and backgrounds
• research credit histories
• ensure applications are complete and accurate
• Manage pipeline against time frame expectations as a means of ensuring regulatory compliance and meeting internal standards
• Provide and promote exceptional customer service both internally and externally

Mortgage Loan Processor at OwnersChoice processing mortgage applications for credit unions

Mortgage Loan Processor role at OwnersChoice Funding. Processing mortgage loan applications for credit unions, ensuring quality and compliance while delivering exceptional customer service.

• Consistently maintains a professional, respectful, and courteous approach
• Responds to member/owner regarding loan process status or underwriting decisions
• Compiles information, prepares required reports, ensures timely delivery
• Analyzes reports in order to monitor accuracy
• Addresses discrepancies with appropriate parties
• Processes mortgage loans to secondary market guidelines
• Maintains all mortgage files by updating paperwork
• Demonstrates effective communication with internal and external contacts

Mortgage Loan Processor facilitating the loan process at All In Credit Union

Mortgage Loan Processor at All In Credit Union ensuring the loan application process meets standards. Engaging professionally with customers and internal contacts throughout the mortgage process.

• Own the loan setup phase once a borrower goes under contract
• Partner closely with the Loan Officer and the team to organize files
• Issue disclosures and order third-party items
• Review documentation for accuracy and compliance

Remote Loan Processor supporting Alaska-based Loan Officer at Waterstone Mortgage

Remote Loan Processor in Waterstone Mortgage's Lighthouse Group supporting a Loan Officer based in Alaska. Responsible for loan setup and documentation accuracy in a fast-paced environment.

• Directly supervise and support a team of ~10 Junior Loan Processors, providing day-to-day coaching, feedback, and prioritization guidance
• Onboard and train new team members on Tomo's systems, workflows, and mortgage fundamentals
• Monitor team workload and redistribute files as needed to ensure SLAs are met
• Conduct regular 1:1s and contribute to performance reviews for direct reports
• Serve as the first escalation point for complex file issues, flagging to the Junior Loan Processing Manager when needed
• Maintain visibility into the team's full pipeline, ensuring files are progressing and nothing is aging or stalled
• Review team output for accuracy, completeness, and compliance before files advance to underwriting
• Identify patterns in errors or delays and proactively address them through coaching or process adjustment
• Serve as the team's in-house expert on appraisals, title, homeowners insurance (HOI), and employment/income verifications
• Troubleshoot complex third-party issues — including appraisal escalations, title curative matters, HOI coverage gaps, and VOE discrepancies — with a clear understanding of how each impacts loan eligibility and timing
• Stay current on agency guidelines and investor overlays as they relate to third-party documentation requirements

Junior Mortgage Loan Processor Team Lead overseeing a team for a digital mortgage company

Junior Mortgage Loan Processor – Team Lead

Junior Mortgage Loan Processor Team Lead overseeing a team of processors at a digital mortgage company. The role involves coaching team members and ensuring timely loan closings.

• Own and advance loans from set-up through closing with accuracy and speed to support a high-volume pipeline.
• Deliver an exceptional borrower experience while coordinating all stakeholders to on-time settlements.
• Process loans from set-up through closing in an organized and timely manner
• Assist with Post-closing issues
• Coordinate mortgage settlements with borrower, legal, and title
• Review document checklists to ensure completeness and accuracy
• Review title, legal, and settlement documents
• Build relationships with borrowers and deliver a high level of customer service
• Communicate with transaction stakeholders
• Maintain an individual pipeline of loans

Loan Processor managing mortgage applications for Dominion Financial Services

Loan Processor at Dominion Financial Services managing mortgage applications from set-up through closing. Ensuring accuracy and providing exceptional service throughout the process.

• Verifies that the information received is accurate and acceptable
• Requires a basic knowledge of mortgage documents, review underwriting conditions, acquire required documentation
• Responsible for the final presentation of the loan package to an underwriter for the final decision
• Reviews and inputs incoming documents (i.e. VOE, VOD, credit, etc.) into Mortgage Loan Operating System (LOS)
• Reviews residential loan application file to verify that application data is complete and meets establishment standards
• Reruns Automated Underwriting System (AUS) to ensure same automated decision is applicable
• Recommends that loan not meeting standards be denied
• Calls specified companies to obtain property abstract, survey, and appraisal if needed
• Determines if appraisal is to be ordered and what type
• Reviews appraisal for errors and meets underwriting criteria and notifies lender of any discrepancies
• Informs supervisor of discrepancies in title or survey
• Assembles file in electronic imaging system and reviews for completeness and accuracy
• Notes the estimated closing date and type of transaction
• Reads notepad for pertinent information not obvious in file, identifies missing items and notifies appropriate party
• Orders updates to credit report
• Requests needed documentation not previously requested
• Reconciles LOS and AUS
• Gathers all required documentation prior to closing and resubmits for final approval
• Submits mortgage loan application file for underwriting approval
• Orders flood determination
• Types and mails approval and denial letters to applicants
• Confirms closing date and location of closing
• Sends out construction package if necessary to branch lenders
• Prepares closing sheet and sends file to closing department for settlement
• Notates denial or withdrawal status in LOS and prints appropriate package
• Submits denied files to underwriting for review and signatures
• Reconciles fees to determine if funds are missing
• Records data on status of loans, including number of new applications and loans approved, canceled, or denied

Senior Mortgage Loan Processor responsible for verifying mortgage documents and underwriting decisions

Senior Mortgage Loan Processor

Senior Mortgage Loan Processor verifying documentation and managing loan packages for final underwriting decisions in the financial services industry.

• Responsible for processing of all secondary and in-house mortgage loans.
• Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision.
• Demonstrates a positive member service (internal and external) focus at all times.
• Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
• Ensures confidentiality of member information.
• Supports a diverse and inclusive work environment.
• Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events on an annual basis.
• Builds and maintains relationships in the real estate community, which includes but is not limited to realtors, attorneys, abstractors, and insurance companies.
• Fields and returns phone calls/emails from borrowers regarding their mortgage loan.
• Orders final inspections, flood determination, credit report, pre-closure credit report, verification of deposit, verification of employment, verification of mortgage or rents and other documents necessary to support the loan application and ensure complete documentation of the loan file.
• Sends a copy of the appraisal to the borrowers at least 3 days prior to closing.
• Reviews and verifies title work is clear to close and works with all parties involved to clear title objections.
• Sends a copy of the title to the borrowers to review prior to closing.
• Requests HOA letters as needed.
• Collects and verifies completeness of requested credit documents.
• Processes documents by correctly entering information into on-line computer system and scans original documents into loan software system as needed.
• Orders and reviews both the compliance report and fraud report for accuracy and discrepancies and makes any necessary corrections.
• Submits file information to automated underwriting system when necessary and verifies accuracy of the findings.
• Organizes documents in the LOS System in appropriate order and submits final applications to underwriting for approval.
• Follows up on any approval conditions for secondary market and in-house loans.
• Following approval, sends approval letter to borrowers and realtors, orders payoffs, property surveys, and orders any other required documentation to prepare closing documents.
• Requests homeowners insurance and flood insurance if applicable (personal and association) and requests mortgagee clause change prior to closing.
• Verifies the completeness and accuracy of the binder for effective dates, coverage, and address.
• Organizes documents in the LOS system in appropriate order in a timely manner to ensure prompt delivery to investors and prompt recording of the mortgages.
• Resolves any secondary market suspensions or deficiencies and follows-up on any missing documentation in mortgage file in a timely manner.
• Assists in year-end verification of HMDA reporting and 1098/1099 statements.
• Assists in all other necessary mortgage duties and projects when needed.
• Adheres to all state, federal and credit union regulations, policies and guidelines.

Mortgage Loan Processor responsible for processing mortgage loans at GreenState.

Mortgage Loan Processor at GreenState handling secondary and in-house mortgage loans. Responsible for client relations and loan documentation processes in a supportive workplace.

• Organize and prepare loan files for underwriting, ensuring all documents are easily accessible and formatted appropriately.
• Complete and send verification forms (e.g., employment, income, mortgage, deposits) promptly.
• Order and review credit reports, appraisals, and title reports, addressing any discrepancies or adverse conditions.
• Act as the primary point of contact for members throughout the mortgage process.
• Communicate effectively with Loan Officers, realtors, sellers, insurance agents, closing agents, and appraisers to resolve issues and coordinate processes.
• Monitor loan files for compliance with secondary market and regulatory standards.
• Provide updates and clarification regarding adverse information to ensure underwriter approval.
• Review and address any conditions or additional requirements post-underwriting.
• Maintain an active pipeline of 20 to 45 loans monthly, ensuring timely processing and closures.
• Coordinate settlement dates with members, title companies, and closers.

Mortgage Loan Processor guiding members through the loan application process

Mortgage Loan Processor guiding members through the loan application process, ensuring compliance with standards and delivering excellent member service. Act as the primary contact for members and coordinate loan processing work.

• 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

Mortgage Loan Processor managing loan application documentation and compliance

Mortgage Loan Processor managing documentation and compliance for loan applications while providing excellent service. Collaborating with loan officers and underwriters to ensure timely and accurate processing.

Mortgage Loan Processor ensuring accurate loan documentation and administration

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.

• The Mortgage Loan Processor is responsible for performing a variety of administrative and processing duties to ensure accurate, timely, and compliant mortgage loan file completion.
• This role supports the end‑to‑end loan process by collecting, verifying, organizing, and preparing all necessary documentation while maintaining clear communication with internal teams, clients, and external partners.
• Collects, reviews, and prepares mortgage loan documentation including applications, credit reports, appraisals, income/asset documents, and other supporting materials.
• Verifies the accuracy, completeness, and compliance of all documents in accordance with internal policies and regulatory requirements.
• Inputs, updates, and maintains all required loan data, records, and transactions within designated systems.
• Tracks and monitors loan milestones, deadlines, and required follow-up items to ensure timely progression of files.
• Ensures all loan files meet federal, state, and investor guidelines, as well as company policies and procedures.
• Prepares and submits required regulatory reports accurately and within designated timeframes.
• Responds to inquiries from loan officers, underwriters, customers, and other stakeholders regarding loan status and documentation needs.
• Collaborates closely with internal teams to address outstanding conditions and ensure smooth loan processing.
• Performs other job related duties as assigned.

Mortgage Loan Processor ensuring compliant mortgage loan file completion

Mortgage Loan Processor responsible for preparing and verifying mortgage loan documentation. Collaborating with teams to support the end-to-end loan process for timely file completion.

• Coordinates and manages the mortgage loan pipeline; collects and analyzes mortgage documentation to ensure information meets investor guidelines prior to submitting to underwriting.
• Trains entry level processors and provides guidance to support staff.
• Oversees the successful management of the loans throughout the pipeline to ensure all loans are dispositioned within 30 days or provided a Notice of Action Taken.
• Reviews residential mortgage loans for compliance of all applicable guidelines and regulatory requirements and ensures integrity of all data and process input.
• Reviews and analyzes the loan application and documentation to ensure the information is complete, accurate and complies with company standards, applicable regulations, standards, and guidelines.
• Submits processed application to underwriting in a timely manner to ensure commitment and rate expiration dates are met.
• Reviews and tracks the receipt of all pertinent documentation such as credit reports, appraisal, title, flood certification, condominium compliance, verification of employment and other related information required for underwriting.
• Reviews underwritten loan files for outstanding conditions; obtain and submit conditions to clear loan for approval.
• Reviews approved loan files to ensure the receipt of title commitment, tax information and homeowners insurance to provide a clear to close.
• Communicates loan status with applicant, Loan Officer and other applicable parties.
• Reviews and monitors all suspended loans daily to ensure compliance.
• Provides weekly reports for Management and clients.
• Conducts pre-closing quality control reviews on random and targeted new loan selections prior to closing.
• Collects and uploads HMDA information into the HMDA software; reviews for accuracy and distributes to clients.
• Provides guidance and training to entry level processors and support staff.
• Is responsible for adhering to operational controls, including compliance with all required regulations and policies such as the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) to ensure the safety and soundness of the State Financial Network.

Senior Mortgage Loan Processor coordinating mortgage loan pipelines in financial services.

Senior Mortgage Loan Processor managing mortgage loan pipelines at financial service organization. Overseeing compliance and training entry level processors in Chadds Ford, PA.

Mortgage Loan Processor jobs in United States

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