Loan Officer – Consumer Direct Division

Loan Factory; San Jose (CA); On-site; USD 80,000 - 120,000; Full time

Benefits offered by this job

Company-provided leads

Career advancement opportunities

High-income potential for top performers

Job summary

Loan Factory is seeking an experienced Consumer Direct Mortgage Advisor to join their rapidly growing national platform. This role focuses on converting internet leads into funded loans, requiring a strong sales background and excellent communication skills.

The ideal candidate will manage a high volume of calls, have a proven track record in loan origination, and thrive in a metrics-driven environment. We offer operational support and a chance to achieve significant income through performance.

Qualifications

• Current or recent Consumer Direct / mortgage call center experience.
• Experience handling a high volume of inbound and outbound calls.
• Ability to accurately pre-qualify borrowers.

Responsibilities

• Convert internet leads into funded loans.
• Manage loans from application through closing.
• Make and receive 75–150+ calls per day.

Skills

Phone sales

Objection handling

Closing skills

Organizational skills

Communication skills

Pipeline management

Self-motivation

Education

Active NMLS Mortgage Loan Originator License

Tools

CRM systems

Pricing engine

Dialer systems

Job description

Loan Factory is seeking experienced Consumer Direct Mortgage Advisors (CDMAs) to help build and grow our national Consumer Direct platform.

This is a high-volume, lead-driven sales environment designed for mortgage professionals who excel at converting internet leads into funded loans. We are looking for experienced originators who thrive in a fast-paced setting, understand speed-to-lead, and can consistently deliver results.

This position is intended for experienced Consumer Direct loan officers. If you have not worked mortgage internet leads or in a mortgage call center environment, this position is likely not a fit.

If you're looking for an opportunity with company-provided leads, operational support, career growth, and significant income potential, we'd like to speak with you.

What We Offer

• Company-provided inbound and outbound leads
• Dedicated Consumer Direct platform
• Dedicated operational and management support
• Career advancement opportunities within a rapidly growing division
• High-income potential for top performers

Required Qualifications

• Active NMLS Mortgage Loan Originator License
• Licensed in multiple states preferred; candidates must be willing and able to obtain additional state licenses as needed
• Current or recent Consumer Direct / mortgage call center experience
• Proven track record converting internet leads into funded loans
• Experience handling a high volume of inbound and outbound calls
• Comfortable making and receiving 75–150+ calls per day while managing an active pipeline
• Strong phone sales, objection-handling, and closing skills
• Ability to thrive in an extremely fast-paced, metrics-driven environment
• Working knowledge of FHA, VA, Conventional, High-Balance, Jumbo, and Non-QM loan programs
• Ability to accurately pre-qualify borrowers and structure loan scenarios
• Strong organizational, follow-up, and pipeline management skills
• Experience managing loans from application through closing
• Proficiency with CRM, LOS, pricing engine, and dialer systems
• Strong verbal and written communication skills
• Self-motivated, competitive, coachable, and accountable
• Ability to consistently meet or exceed production goals

Preferred Qualifications

• Recent experience working Zillow, LendingTree, Bankrate, trigger, internet, or rate-table leads
• Strong understanding of agency guidelines and mortgage program eligibility
• Experience working in a high-volume Consumer Direct environment
• Additional state licenses beyond current licensing

Ideal Candidate

The ideal candidate:

• Thrives in a KPI-driven environment
• Understands speed-to-lead and aggressive follow-up strategies
• Is comfortable handling a high volume of inbound and outbound calls
• Can quickly build rapport and earn borrower trust
• Has a strong work ethic and performance mindset
• Wants to be part of a rapidly growing Consumer Direct platform
• Is motivated by performance, growth, and income opportunity

Top performers who consistently convert company-provided leads, maintain strong conversion ratios, and demonstrate a proven track record of success have the opportunity to earn well into the six figures annually.

This position is designed for mortgage professionals who are confident in their ability to perform, compete, and grow within a high-performance Consumer Direct environment.