Mortgage Loan Originator

Luminate Bank is redefining what modern banking can be. In just five years under its current leadership, the company has grown from a $62 million community bank into a $500 million financial institution, the fastest-growing state-chartered bank, while building one of the fastest-growing mortgage platforms in the country.

The momentum has been extraordinary:

• Grew bank assets from $62 million to $500 million in five years- the fastest-growing state-chartered bank
• Ranked a 2026 Top Workplace in Minnesota by the Star Tribune and #1 among large companies in Colorado Top Workplaces 2026
• Named a 2026 Top Workplaces Culture Excellence winner in eight categories and a Top Workplace nationally in Financial Services
• Surpassed $4 billion in mortgage originations in 2025
• Ranked among the Top 30 Mortgage Lenders nationally by Scotsman Guide
• Maintain a 4.9-star average rating across 45,000+ customer reviews
• Recognized by Freddie Mac with two 2026 Home Possible RISE Awards® for Greatest Volume and Fastest Growth
• Honored by the Minnesota Mortgage Association as 2025 Leaders of the Year

But the story is bigger than growth metrics and awards. Luminate Bank is building a culture designed for ambitious, high-performing people who want to shape the future of banking. We move quickly, think boldly, and invest deeply in our people. Innovation, accountability, collaboration, and customer experience are at the center of everything we do.

What began as a rapidly growing lending and banking platform is now entering its next phase: building a nationally recognized financial brand that redefines how modern banking is experienced.

For leaders who want the opportunity to build, scale, and leave a lasting impact, this is a rare moment to join a company with startup energy, national momentum, and a long runway ahead.

Position Overview:

We are seeking a knowledgeable and customer-focused Mortgage Loan Originator to join our team. The Mortgage Loan Originator will be responsible for guiding clients through the mortgage loan process, from application to closing, while ensuring compliance with all regulatory and institutional policies. The ideal candidate will have a strong background in mortgage lending, excellent communication skills, and a commitment to providing superior customer service.

Responsibilities and Duties:

• Originate residential mortgage loans by developing and maintaining relationships with real estate agents, builders, and other referral sources.
• Assist clients in selecting the best mortgage product based on their financial situation and goals.
• Guide clients through the mortgage application process, including completing loan applications and gathering necessary documentation.
• Analyze applicant financial status, credit, and property evaluations to determine loan feasibility.
• Present loan options and explain terms and conditions to clients in a clear and understandable way.
• Ensure all loans meet underwriting guidelines and comply with state and federal regulations.
• Communicate with underwriters, processors, and other parties to ensure timely loan approvals and closings.
• Keep current with market trends, loan products, and changes in mortgage regulations.
• Meet established sales goals and maintain high customer satisfaction ratings.

Qualifications and Skills:

• High school diploma or equivalent; bachelor’s degree in finance, business, or related field preferred.
• Proven experience as a Mortgage Loan Officer, Loan Originator, or similar role.
• Valid NMLS (Nationwide Mortgage Licensing System) license.
• Knowledge of loan origination systems (LOS) and mortgage lending guidelines (e.g., FHA, VA, USDA, and conventional loans).
• Strong understanding of financial documentation and credit analysis.
• Excellent interpersonal, communication, and sales skills.
• Ability to work independently and manage time effectively.
• High level of integrity and strong ethical standards.

Benefits:

• Competitive compensation reliant on ability and experience
• Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision
• Life and AD&D Insurance, as well as additional voluntary benefit possibilities
• 401K with robust company match
• Flexible PTO program
• Earned Sick & Safe Time (ESST)
• The opportunity to work for the Midwest’s fastest growing lender

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.