Mortgage Loan Originator (Outside/Retail)

The Mortgage Talent Network; Austin (TX); On-site; USD 60,000 - 100,000; Full time

Job summary

The Mortgage Talent Network in Austin, Texas is seeking an Outside Mortgage Loan Originator to build relationships and create a referral-based business. This role focuses on outside sales, helping borrowers match financial goals with appropriate loan products, and maintaining compliance with Texas regulations.

Ideal candidates should have an active NMLS, a strong referral network in Texas, and excellent communication skills. The position offers robust operational support and a culture that values relationships over quotas.

Qualifications

• Active NMLS license required.
• Proven mortgage production and established referral network.
• Solid knowledge of conventional, government, and specialty loan products.
• Strong understanding of SAFE Act requirements.
• Excellent communication and consultative sales skills.
• Authorized to work in the United States.

Responsibilities

• Prospect and develop referral partnerships in the market area.
• Consult with borrowers to match loan products with financial goals.
• Generate self-sourced pipeline through networking and community involvement.
• Structure and present loan scenarios based on available products.
• Maintain loan files in compliance with lending regulations.
• Collaborate with processing and underwriting teams for smooth closings.
• Stay current on market trends and rate movements.

Skills

Mortgage production

Communication skills

Sales skills

Knowledge of loan products

Job description

The Opportunity

A well-established federally chartered, community-rooted Texas retail mortgage bank is looking for a driven Outside Mortgage Loan Originator ready to build meaningful borrower relationships and grow a referral-based purchase business. This is a field-facing role designed for a self-starter who thrives outside the four walls of a branch and knows how to turn a handshake into a closed loan. If you're looking for a platform that backs your hustle with strong operational support and a genuine commitment to community lending, this one deserves a serious look.

What You'll Do

• Actively prospect and develop referral partnerships with real estate agents, builders, financial planners, and other centers of influence across your market area
• Consult with borrowers to assess financial goals, match them to the right loan product, and guide them confidently from application through closing
• Generate a self-sourced pipeline through outside sales activity — networking events, open houses, community involvement, and one-on-one relationship building
• Structure and present loan scenarios using conventional, FHA, VA, USDA, and portfolio product options as applicable
• Maintain accurate and timely loan files in compliance with TRID, RESPA, and applicable Texas lending regulations
• Collaborate closely with in-house processing, underwriting, and closing teams to ensure a smooth borrower experience and on-time closings
• Stay current on market trends, rate movements, and guideline changes to position yourself as a trusted advisor in your community

Why This Opportunity

This lender has deep roots in the Texas communities it serves, which means you'll have the credibility of an established brand behind every referral conversation you have. The operational infrastructure — processing, underwriting, and closing — is built to support originators, not slow them down, so you can focus on what you do best: closing loans and growing relationships. For an originator who's ready to own their market and wants a company culture that values people over production quotas, this is a compelling next chapter.

Qualifications

• Active NMLS
• Proven track record of self-sourced mortgage production with an established referral network in the Texas market
• Solid working knowledge of conventional, government (FHA/VA/USDA), and specialty loan products
• Strong understanding of SAFE Act requirements
• Excellent communication and consultative sales skills — you can simplify the complex for first-time homebuyers and seasoned investors alike
• Must be authorized to work in the United States

The Mortgage Talent Network is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected class.