Licensed Loan Officer - Consumer Direct

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

Ready to take your mortgage career to the next level?

If you're already thriving in a direct-to-consumer lending environment, you know the formula: high-quality leads, fast tech, and a company that backs you with real support. At Lower, we’ve perfected that model - and we’re looking for licensed loan officers who want to close more deals, earn more, and make a bigger impact.

What You’ll Do

• Work high-intent inbound leads - no cold calling, just real conversations with ready-to-act borrowers.

• Connect via phone, text, and email to guide prospects through the loan process with clarity and confidence.

• Educate and advise borrowers on products that fit their goals - whether it’s purchase, refi, or cash-out.

• Analyze credit and financial data to match customers with the right solution.

• Present pricing and terms in line with company standards and compliance requirements.

• Drive repeat and referral business through exceptional service and follow-through.

Who You Are

• You hold an active NMLS license and have 1+ year of experience originating loans in a consumer-direct model.

• You’re a closer - driven by performance, motivated by commission, and wired for results.

• You thrive in a fast-paced, tech-enabled environment and know how to manage a high-volume pipeline.

• You’re passionate about helping people make smart financial decisions and delivering a 5-star experience.

• Experience with Encompass is a plus - but hustle and heart matter more.

Why You’ll Love Lower

• Best-in-class leads delivered daily - plus top-tier comp for any business you bring in yourself.

• A brand built on trust: 20K+ five-star reviews across Google, Zillow, LendingTree, and Facebook.

• Training that actually matters - weekly sessions to sharpen your skills and stay ahead of the curve.

• A culture that rewards performance and celebrates impact.

What You’ll Get

• Competitive commission structure with uncapped earning potential

• Full benefits: medical, dental, vision, paid holidays, PTO, parental leave

• Life insurance, short- and long-term disability, 401(k) with company match

• Corporate wellness program

• Employee discount on home mortgage purchases and refinances

Where You’ll Work

Join us at our Columbus HQ at 711 N High Street - right in the heart of the Short North district.

Want to close more loans with less friction? Let’s talk. Apply now and see what it’s like to work at a company that’s built for loan officers - by people who get it.

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.