Mortgage Loan Processor

At Luminate Bank, we believe our customer experience is what defines our business. Our mission is to unlock people’s full potential through finances and provide them with clarity through every step of the loan process. We make lending approachable. By bringing transparency and consistency to every part of the financial world, we strive to guide people to decisions that are in their best interest. We have a culture second to none, promote teamwork and growth from within and are continuously striving to take care of both our valued borrowers & our exemplary employees.

Position Overview:  

The Mortgage Loan Processor is responsible for managing the documentation and administrative requirements of the loan application process. This role ensures loans are processed accurately, efficiently, and in compliance with investor guidelines and regulatory standards while providing excellent service to loan officers, underwriters, and borrowers.

Responsibilities and Duties:

Loan Processing

• 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.

Communication & Coordination

• 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.

Compliance & Quality Control

• 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.

Customer Experience

• Deliver a high level of customer service to both internal and external clients.


• Guide borrowers through document requirements and answer processing-related questions.

Qualifications and Skills:

• Proven experience as a mortgage loan processor or in a similar role 


• Strong understanding of mortgage products, underwriting guidelines, and compliance standards 


• Excellent communication and interpersonal skills 


• Detail-oriented with strong problem-solving and organizational abilities 


• Proficiency with mortgage processing systems and Microsoft Office 


• Bachelor’s degree in business, finance, or related field preferred (not required) 

We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.