Regional Vice President Retail Mortgage Lending

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:

Lower is a tech-driven retail mortgage lender dedicated to helping more people achieve homeownership and build wealth through real estate. We combine innovative technology with a personalized, local lending approach, giving our loan originators and branch partners the tools, speed, and support to deliver an exceptional experience for borrowers and referral partners. Our focus is on simplifying the mortgage process, driving growth for our branches, and setting the standard for service in the retail mortgage industry.

The Regional Vice President (RVP) of Retail Mortgage Lending is a dynamic sales leader responsible for driving production growth, recruiting top-performing mortgage branches and originators, and delivering exceptional service to existing teams within an assigned territory. This role combines strategic leadership, market development, and operational oversight to expand Lower’s retail footprint while ensuring sustainable profitability and compliance.

What you’ll do:

Sales Leadership & Market Growth

• Work with Chief Strategy Officer and Head of Retail Lending to develop and execute a strategic growth plan for assigned region in alignment with company goals.
• Lead sales production efforts, setting performance expectations and driving accountability for branches and originators in your region.
• Identify and recruit high-performing branch managers, loan originators, and sales leaders to expand market share.
• Build and maintain strong relationships with referral partners, industry influencers, and community organizations to generate new business opportunities.

Branch & Originator Support

• Partner with branch managers to ensure they have the tools, resources, and corporate support needed to achieve production goals.
• Monitor and analyze sales performance metrics, providing coaching and strategies for improvement.
• Collaborate with corporate department and teams teams to deliver best-in-class support and enhance the sales experience.
• Resolve escalated sales, operational, and service issues promptly to ensure high satisfaction among originators and customers.

Recruiting & Onboarding

• Lead the recruiting process for new branches and originators, from initial contact through onboarding within your region.
• Partner with corporate support teams to ensure smooth integration of new hires into Lower’s systems, culture, and processes.
• Promote Lower’s value proposition to attract top industry talent.

Compliance & Profitability

• Ensure all branch and originator activities comply with federal, state, and company regulations.
• Monitor P&L performance for branches within assigned region, balancing growth with profitability goals.

Who you are:

• 7+ years of retail mortgage lending experience, including 3+ years in a senior sales leadership role (RVP, SVP, or equivalent).
• Proven track record of building high-performing sales teams and achieving ambitious production goals.
• Proven track record of recruiting and managing a minimum of $100M per month in volume.
• Strong recruiting network and ability to attract top-performing originators and branch managers.
• Deep understanding of retail mortgage products, operations, and compliance requirements.
• Excellent communication, presentation, and relationship-building skills.
• Proficiency in CRM platforms, mortgage LOS systems (Encompass preferred), mortgage POS systems (Encino preferred) and Microsoft Office Suite.
• Ability to travel within assigned region as needed.

Preferred Qualifications:

• Entrepreneurial mindset with a focus on results and growth
• Collaborative leader who inspires trust and accountability.
• Competitive personality always striving to win or be the best at everything they do

Why you’ll love working at Lower:

• You’ll be surrounded by talented, dedicated people who believe in the company’s mission.
• You’ll be able to shape the future of Lower’s user experience.
• You’ll join a locally and nationally recognized best place to work that values promotion from within.
• There is opportunity for professional growth and development.

Plus:

• Competitive compensation plan (base salary + performance incentives)
• Extended benefit offerings including: Medical/dental/vision
• Paid holidays
• Paid time off
• Parental leave
• Life insurance
• Short- and long-term disability
• 401K with company match
• Discount on home mortgage refinances or purchase

Job Type: Full-time

Work Location: Remote

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.