Internal Mortgage Loan Originator

Internal Mortgage Loan Originator – Consumer Direct Division

Compensation: $18/hour + commission (production-based) + full benefits + overtime available
Locations: Killeen, TX (must live within 60 miles)

Mandatory Requirements

• Bilingual English / Spanish (Required)

• Must live within 60 miles of Killeen, TX

• Recent Consumer Direct or centralized lending experience required

• Active NMLS license

Overview

Our client, a nationally recognized mortgage lender, is expanding its high-performance Consumer Direct Division — a centralized, lead-driven platform designed for Loan Originators who thrive in fast-paced, high-volume environments.

This role offers inbound lead flow, a streamlined origination process, and the opportunity to succeed in a modern, performance-driven structure that rewards strong conversion and production.

What Makes This Role Different

This is not traditional retail lending. With a marketing engine focused on speed and conversion, originators here average 1–1.4 offers to close, compared to the industry standard of 8.5. This results in higher close ratios, faster commissions, and more time focused on closing.

What You Will Do

• Work inbound leads generated by digital marketing, direct mail, and referral networks (no cold calling)

• Collect borrower data, complete loan applications, and handle pre-qualifications

• Advise borrowers on loan programs, underwriting requirements, and disclosures

• Maintain proactive communication with borrowers, processors, and team leads

• Provide credit guidance and restructuring strategies when necessary

• Ensure compliance with TILA, RESPA, ECOA, and lending regulations

• Meet or exceed monthly closing and funding benchmarks

What You Will Bring

• Bilingual English/Spanish fluency (Required)

• Recent Consumer Direct lending experience preferred and strongly prioritized

• Active NMLS license (multi-state preferred)

• Strong phone-based sales and communication skills

• Ability to manage multiple files accurately and efficiently

• Familiarity with Conventional, FHA, VA, and Non-QM products

• A goal-oriented, metrics-driven mindset

Why You Will Thrive Here

• Inbound leads provided — no need to self-source

• Competitive compensation: $18/hour base + tiered commissions + overtime

• Streamlined, conversion-focused processes

• National brand visibility and advancement opportunities

• Supportive leadership and a collaborative team environment