Loan Officer resume example. Plus the keywords recruiters search for.
A mortgage loan officer resume that shows production, on-time closings and strong referral partnerships — with the NMLS licensing, loan product and compliance keywords lenders search for.
Reviewed by Nazir Elmurodov · Updated
/ The example
Loan Officer resume example.
Brian Walsh
Senior Mortgage Loan Officer, NMLS licensed
Minneapolis, MN · brian.walsh@email.com · (612) 555-0162
Summary
Mortgage loan officer with 7 years in purchase and refinance lending. I guide first-time buyers through conventional, FHA and VA loans and close on time by keeping agents, processors and underwriters in the loop.
Experience
Senior Mortgage Loan Officer, Bluewater Prairie Home Lending · Jan 2022 – Present
- • Originate and close 70–85 loans a year, about $24M in annual volume, mostly purchase loans
- • Built a network of 30+ referral partners, mostly real estate agents; referrals grew to 60% of my pipeline
- • Issue pre-approval letters through Desktop Underwriter (DU) and Loan Product Advisor (LPA) and structure conventional, FHA, VA and USDA loans
- • Closed 95% of loans on or before the contract date by tracking every file in Encompass and a CRM
- • Deliver the Loan Estimate and Closing Disclosure within TRID timelines, with no findings in 3 internal compliance audits
Mortgage Loan Originator, Lakeland Federal Savings · Jun 2019 – Dec 2021
- • Originated about $11M a year in mortgage, refinance and home equity loans for branch customers
- • Collected and reviewed income, asset and credit documents up front, reducing underwriting conditions per file
- • Ran monthly first-time homebuyer workshops at 4 branches that produced 40+ applications a year
Education & certifications
B.S. Finance, North Shore State University, 2019 · Licensed mortgage loan originator, NMLS (Minnesota, Wisconsin)
Skills
Mortgage loan origination · Conventional loans · FHA loans · VA loans · USDA loans · Pipeline management · Encompass · TRID · Credit analysis · Relationship building · CRM
Brian Walsh
Senior Mortgage Loan Officer, NMLS licensed
brian.walsh@email.com · Minneapolis, MN
(612) 555-0162
Summary
Mortgage loan officer with 7 years in purchase and refinance lending. I guide first-time buyers through conventional, FHA and VA loans and close on time by keeping agents, processors and underwriters in the loop.
Experience
Senior Mortgage Loan Officer — Bluewater Prairie Home Lending
Jan 2022 – Present
• Originate and close 70–85 loans a year, about $24M in annual volume, mostly purchase loans
• Built a network of 30+ referral partners, mostly real estate agents; referrals grew to 60% of my pipeline
• Issue pre-approval letters through Desktop Underwriter (DU) and Loan Product Advisor (LPA) and structure conventional, FHA, VA and USDA loans
• Closed 95% of loans on or before the contract date by tracking every file in Encompass and a CRM
• Deliver the Loan Estimate and Closing Disclosure within TRID timelines, with no findings in 3 internal compliance audits
Mortgage Loan Originator — Lakeland Federal Savings
Jun 2019 – Dec 2021
• Originated about $11M a year in mortgage, refinance and home equity loans for branch customers
• Collected and reviewed income, asset and credit documents up front, reducing underwriting conditions per file
• Ran monthly first-time homebuyer workshops at 4 branches that produced 40+ applications a year
Education
North Shore State University
B.S. Finance · 2019
Certifications
Licensed mortgage loan originator, NMLS (Minnesota, Wisconsin)
Skills
Mortgage loan origination, Conventional loans, FHA loans, VA loans, USDA loans, Pipeline management, Encompass, TRID, Credit analysis, Relationship building, CRM
Why it works
It leads with licensing, then proves production with units, volume and on-time closings, and names the loan programs, underwriting systems and disclosure rules that hiring managers at lenders screen for.
Use this as your starting point
Opens in the editor with every section filled in. Swap in your own details and download a PDF or Word file free.
Start from this exampleSample resume. Names, companies and figures are illustrative.
/ Summary examples
Three summary examples. Pick the one closest to you.
Two or three lines: your level, your field and one result.
- Entry level
Newly licensed mortgage loan originator with 2 years as a loan processor. Completed the SAFE pre-licensing education, passed the SAFE MLO Test and know conventional and FHA guidelines from the processing side.
- Mid level
Mortgage loan officer with 7 years in purchase and refinance lending. I close 70–85 loans a year, about $24M in volume, with 60% of my pipeline from referral partners.
- Senior
Branch sales manager and producing loan officer with 15 years in mortgage lending who leads 8 loan officers and built partnerships with 3 local builders.
More for other jobs and situations (no experience, career change, senior): resume summary examples.
/ Bullet points
Bullet point examples. From duty to result.
Turn duties into results: what you did, how, and what changed.
Production
Instead of: Originated loans
Write: Originated and closed 70–85 loans a year, about $24M in annual volume, mostly purchase loans
Referrals
Instead of: Worked with realtors
Write: Built a network of 30+ referral partners; referrals grew to 60% of my pipeline in two years
On-time closing
Instead of: Closed loans on time
Write: Closed 95% of loans on or before contract date by tracking every file in Encompass
Compliance
Instead of: Followed disclosure rules
Write: Delivered the Loan Estimate and Closing Disclosure within TRID timelines with no findings in 3 audits
Loan structure
Instead of: Offered different loans
Write: Structured conventional, FHA, VA and USDA loans after pre-approval through DU and LPA
Community
Instead of: Did homebuyer events
Write: Ran monthly first-time homebuyer workshops at 4 branches that produced 40+ applications a year
/ Keywords
Keywords and skills for loan officers.
These come up often in loan officer job posts. Include only the ones you can back up in an interview, and use the exact wording from the post you're applying to.
- Mortgage loan origination
- NMLS
- Purchase loans
- Refinance
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Pre-approval
- Desktop Underwriter (DU)
- Loan Product Advisor (LPA)
- Encompass
- TRID
- Loan Estimate
- Closing Disclosure
- Pipeline management
- Referral partners
- CRM
- Relationship building
/ ATS tips
ATS tips for loan officers.
Show your licensing first
Write the states where you're licensed or note that you're NMLS registered. Lenders need to know you can originate in their market.
Lead with production
Units closed, dollar volume and pull-through rate are what sales managers compare first.
Name programs and systems
Conventional, FHA, VA and USDA loans, plus DU, LPA and your loan origination system, are standard screening terms.
Show where your business comes from
Referral partners, builders and repeat clients show you can build a pipeline, not just work leads.
Mention compliance carefully
Clean audit results and TRID timelines are strong points. Don't share borrower details or confidential pricing.
How does your loan officer resume compare?
Free ATS score, missing keywords and fixes in about 10 seconds.
/ Questions
Loan Officer resume FAQ.
Writing the cover letter too? See Brian's cover letter, annotated
Do I need an NMLS license to be a loan officer?
Mortgage loan originators must be in NMLS. Under the SAFE Act, those at banks and credit unions are registered, while those at nonbank lenders and brokers must be state-licensed — which takes at least 20 hours of NMLS-approved pre-licensing education, the SAFE MLO Test, a background check and credit report, and 8 hours of continuing education each year. Some states add their own requirements.
Should I put my NMLS ID on my resume?
Many loan officers do, next to their license states, since employers can look it up on NMLS Consumer Access. The sample leaves it out because the person is fictional.
Is this resume right for commercial or consumer loan officers?
This example is for residential mortgage lending. Commercial and consumer loan officers usually aren't covered by the SAFE Act unless they originate residential mortgages, so focus on credit analysis, portfolio size and loan performance instead.
How do I show production if I'm new?
Use what you have: files processed, applications taken, pre-approvals issued or workshop attendance. Name the loan programs you know and say when you got licensed.
How long should a loan officer resume be?
One page for most loan officers. Two pages is fine for managers with team and branch results.