Mortgage Loan Originator Associate

🕒 September 9

❄️ Minnesota – Remote

❄️ Minnesota – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Luminate Bank

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1937

🏗️ Construction

🛡️ Insurance

🏦 Banking

Construction • Insurance • Banking

Luminate Bank is a regional consumer- and business-focused bank headquartered in Minneapolis that provides a full range of retail and commercial banking services. It offers personal accounts (checking, savings, CDs, HSAs), business banking and treasury management, full-service mortgage and home lending (conventional, FHA, VA, jumbo, construction, renovation, reverse, refinance), title & escrow, and credit card products. The bank emphasizes digital banking tools — a mobile app, online banking, digital wallet integrations, Zelle®, and financial planning resources — while highlighting local support, community impact, and resources for first-time homebuyers and small businesses.

📋 Description

• Assist Loan Originators with borrower consultations and loan scenario analysis • Evaluate borrower qualifications and recommend loan products aligned with customer needs and company lending guidelines • Complete mortgage applications and collect documentation required to process residential mortgage loans • Review loan files for completeness, accuracy, and loan eligibility • Research agency, investor, and program guidelines to determine loan viability and financing solutions • Assist in structuring loan scenarios and resolving qualification challenges • Maintain working knowledge of mortgage products, underwriting guidelines, compliance requirements, and industry regulations • Coordinate with processing, underwriting, and closing teams to support timely loan closings • Manage multiple loan files with attention to detail and follow-through • Develop and maintain relationships with borrowers and referral partners as appropriate • Originate mortgage loans individually when opportunities arise • Attend as an essential function of the position • Perform other duties and special projects as assigned

🎯 Requirements

• Bachelor's degree or equivalent combination of education and relevant work experience • Two or more years of mortgage industry experience • Current NMLS Mortgage Loan Originator license, or the ability to obtain and maintain licensure in accordance with the SAFE Act • Strong understanding of residential mortgage lending practices, loan products, and underwriting guidelines • Demonstrated ability to assess loan viability and identify appropriate financing solutions • Detail-oriented with exceptional organizational and file management skills • Ability to research and interpret investor, agency, and program guidelines • Proven ability to work both independently and collaboratively as part of a team • Strong analytical skills and ability to evaluate financial information • Excellent verbal and written communication skills • Ability to manage multiple priorities in a fast-paced environment • Proficiency with Microsoft Office applications and mortgage origination systems • Ability to maintain the highest level of professionalism and confidentiality • Experience reviewing loan files, analyzing borrower qualifications, and working with mortgage guidelines preferred

🏖️ Benefits

• Competitive compensation reliant on ability and experience • Excellent benefits package including health, pre-tax HAS and FSA accounts, 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) • The opportunity to work for the Midwest’s fastest growing lender