Mortgage Loan Originator Cover Letter Example

Mortgage Loan Originators (MLOs) are specialized sales professionals who work with borrowers to help them find, apply for, and secure a mortgage loan. They take a mortgage application and provide their clients with market insights and expertise on the loan process to help borrowers make informed decisions.

They oversee the process from application to underwriting and closing, and may also have some post-closing responsibilities. They take a mortgage application and provide their clients with market insights and expertise on the loan process to help borrowers make informed decisions.

Write an great cover letter using our Mortgage Loan Originator Cover Letter Example and Cover Letter Writing tips.

Mortgage Loan Originator Cover Letter example

Mortgage Loan Originator’s are employed in finance and insurance, real estate, and credit intermediation industries.

Employment of Mortgage Loan Originator’s is projected to grow 11 percent from 2018 to 2028

The median annual wage for mortgage loan originators was $64,660 in May 2018.

What to Include in a Mortgage Loan Originator Cover Letter?

Roles And Responsibilities

  • Develop and cultivate relationships with external agents and other referral sources to obtain mortgage leads.
  • Meet with borrowers to gather information to determine loan amount, type, term, interest rate and down payment required.
  • Explain the various types of loans available and help borrowers decide which one best fits their needs.
  • Provide customers with information on current mortgage rates and various mortgage loan programs.
  • Assist borrowers in completing loan application paperwork.
  • Review borrower’s financial history and credit reports to assess risk factors.
  • Collect all necessary documents from applicants prior to closing date, including insurance information, title policies, property appraisals and tax statements.

Education & Skills

Mortgage Loan Originator Skills:

  • Extensive knowledge of state laws and regulations regarding residential mortgage lending.
  • Financial literacy.
  • Excellent oral and written communication skills.
  • Time management skills.
  • Strong customer service orientation with proven people skills.

Mortgage Loan Originator Education Requirements:

  • Bachelor’s degree or equivalent experience in business, finance or related field.
  • Licensing requirements can vary from state to state but generally encompass passing an examination, credit check, background check and continuing education.

Mortgage Loan Originator Cover Letter Example (Text Version)

Dear Mr. / Ms. [Recruiter Name],

I am writing to express my interest in the Mortgage Loan Originator position with [Company Name]. I am a licensed mortgage loan originator with over ten years of experience in the field.

In my current position as a mortgage loan originator with [Company Name], I originates and processes residential mortgage loans. I meet with customers to determine their financial needs, review their credit history, and complete loan applications. I analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loans.

Additionally, I am responsible for performing monthly quality control reviews on all closed loans, ensuring compliance with company and investor guidelines. My work has contributed to a 30% increase in year-over-year revenue growth in the last 5 years.

With my comprehensive background in mortgage origination, I am well prepared to exceed your expectations for this role and substantially benefit your organization. My background includes strong communication and interpersonal abilities, which are essential in a fast-paced environment where accuracy is critical to success.
In addition, my innovative nature allows me to develop new ways of completing tasks more efficiently. Moreover, I have the ability to work independently on multiple projects simultaneously while meeting strict deadlines.

Thank you for your time and consideration, and I look forward to hearing from you soon.

[Your Name]


When you’re writing a cover letter for a Mortgage Loan Originator position, there are a few things to keep in mind. First, focus on your ability to originate loans and build relationships with clients. Next, emphasize your experience in the mortgage industry and your knowledge of loan products. Finally, highlight your customer service skills and your ability to close loans.

Once you’ve written a great cover letter, it’s time to start working on your resume. Refer our Mortgage Loan Originator Resume Sample for more tips on how to write your resume and accompany it with a strong cover letter.



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