Cover letter for a mortgage loan officer (5 samples)


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Page last updated: 3/11/2022

This blog post will show samples of “cover letters for a mortgage loan officer.”

Samples of mortgage loan officer cover letters

To get a position as a mortgage loan officer, you need a well-written cover letter that showcases your passion for and dedication to the industry. When writing a mortgage loan officer cover letter, these are some of the essential things to include in your letter:

  • Address the employer with a formal salutation. For example, “Dear/Hello (name of the recipient or hiring manager).”
  • The next step is to state the position you are applying for and how you found the opening. 
  • Write a short sentence about why you’re interested in the position.
  • State your skills and work experience; ensure they are similar to the job position. When stating your skills, provide the accomplishment you have achieved. 
  • Conclude your letter with a forward-looking statement. For example, “I look forward to discussing the position further.”

Sample 1: “Mortgage loan officer cover letter”

“Isla Cisneros

City, State, Zip Code

Home : 000-000-0000 Cell: 000-000-0000

Dear Mr. Feffer,

I am writing to express my interest in the Mortgage Loan Officer position Company Name currently has available. I know I would make an exceptional candidate with my blend of financing and customer service skills. With a Bachelor’s Degree in Finance and six years working in the industry I believe I have the needed skills to excel.

My focus as a mortgage loan officer is always on helping customers find the best rates while simultaneously protecting the bank’s interests. I am very focused and detail oriented and I am able to provide individual consumers with information regarding how to address credit issues to allow them to qualify in the future if I must tell them they didn’t. I always treat consumers with the utmost courtesy as I understand that even if they may not currently qualify they may be a future customers. My skills and education make me a top choice. I have my certification in loan origination and the know-how needed for the job. I am extremely professional and would make an excellent addition. I know you’ll agree that I am a terrific candidate.

I look forward to meeting with you in person. Please call to schedule an interview.


Isla Cisneros”

Sample 2: “Mortgage loan officer cover letter”

“Dear Mr. McDonough:

When I learned of Altria Bank’s need for a new mortgage loan originator, I felt compelled to submit the enclosed resume. As an accomplished loan specialist with nine years of strong experience facilitating all aspects of the mortgage lending process while providing exceptional customer service, I am more than prepared to exceed your expectations for this role.

With my background in facilitating successful customer lending experiences, I have gained comprehensive experience in risk analysis, documentation preparation and verification, and underwriting management. My demonstrated success in ensuring smooth and timely loan processing, along with my commitment to providing optimal client experiences, positions me to make a significant impact on your bank.

Highlights of my experience include…

Achieving top-flight success in meeting – and often outperforming – company objectives, securing and settling at least 35 new loans each week as a mortgage loan officer with Prosaic Mortgage Services in Phoenix, AZ

Prospecting potential borrowers and new mortgage opportunities, analyzing credit and property data, determining loan feasibility, and maintaining the loan application database to ensure conventional, jumbo, FHA, and VA loan approval and closing

Consulting with and advising clients throughout the entire loan process, from origination through closing; leveraging training materials, reference tools, and other resources to provide accurate loan program and policy information to clients

Demonstrating an unparalleled dedication to providing superior customer service; recognized for possessing excellent communication skills to maximize client satisfaction and retention

Forging and managing solid relationships with settlement attorneys, mortgage officers, loan brokers, and bank managers

With my experience in originating sales of various loan products and performing comprehensive loan processing functions – combined with my inherent interpersonal, organizational, and analytical skills – I am ready to provide outstanding service at Altria Bank. I look forward to discussing the position with you in further detail. Thank you for your consideration.


Denise J. Macon”

Sample 3: “Mortgage loan officer cover letter”

“Dear Mr. Wiley,

I am currently seeking a position as a Mortgage Loan Officer with your financial institution. There is a definite change in the industry in the past few years and I know that I can offer the competence that you are seeking in a Mortgage Loan Officer. I can not only work with mortgages for individuals but also for those who are seeking a mortgage in the commercial side of the business.

It is of vital importance for me to double check every application to make sure that everything is done properly. This can allow those who are seeking the loans to have the ability to handle their payment every single month. The reason the market crashed in the past was because this attention to detail was overlooked and loans were given to those who could not afford them.

I know that it takes a great deal of paperwork and research in order to approve a family or company for a mortgage. For this reason, I know that I would be a great addition to the team at your financial institution.

If you would like to meet with me to speak in more depth about the experience that I have, you can call me at (555)-555-5555 or you can email me at [email] I am available at any time you would like to get together.


Jeanette Day”

Sample 4: “Mortgage loan officer cover letter”

“Dear Hiring Manager,

I was motivated to send the accompanying resume when I heard through one of my colleagues that SBI Bank is recruiting for the new Mortgage Loan Officer. I am completely ready to go above and beyond your requirements for this position as a skilled mortgage expert with seven years of solid experience enabling all elements of the loan financing procedure whilst offering high-quality client care.

I have extensive knowledge in risk evaluation, documentation, and authentication, as well as insurance supervision owing to my career in promoting successful client financing encounters. I am in a stance to have a big influence on your organization because of my track record of success in guaranteeing efficient and fast mortgage execution and my dedication to providing clients with the best experiences possible.

  • Being a Mortgage Loan Officer at Florid Financial Solutions in Glendale, Arizona, procuring and finalizing a minimum of 35 to 40 additional mortgages per week, I consistently achieve top-tier success in reaching and frequently exceeding company targets.
  • Obtaining traditional, deluxe, Federal housing administration, and Veterans mortgage approval and scouting promising debtors and new mortgage prospects.
  • Reviewing financial and asset records, evaluating loan viability, and managing the mortgage request repository.
  • From mortgage initiation to mortgage settlement, clients are counseled and advised.
  • Training modules, referral aids, and certain other techniques are used to give clientele factual details about loan programs and policies.
  • Displaying an unmatched commitment to offering first-rate client support and being regarded for having strong interpersonal skills to increase client retention.
  • Establishing and maintaining strong connections with bank management, mortgage dealers, and settlement advocates.

I have a bachelor’s degree in Finance and Accounting, as well as expertise in the origination of sales for numerous mortgage programs and executing in-depth mortgage processing tasks, in addition to my innate conversational, organizational, and cognitive abilities. I’m prepared to offer SBI Bank customers exceptional service. I’m keen to discuss the role in more detail with you.

Thank you for allowing me to express my interest in the Mortgage Loan Officer position through this letter. Kindly take a moment to look through my credentials and resume in the attachment. I would be very glad for the opportunity to talk with you about my candidacy.

Thank you for your consideration.


[Your Name]”

Sample 5: “Mortgage loan officer cover letter”

“Dear hiring team,

I am excited to be applying for the Loan Officer position at Topdown Lending. I have more than 10 years of experience in the mortgage industry and have consistently been one of the top performers in my company. I believe that my skills and experience would be a valuable addition to your team.

I pride myself on my ability to provide excellent customer service and build relationships with clients. I have a proven track record of working with clients to find the best loan products that meet their needs. I am also experienced in all aspects of the mortgage process, from pre-approval to closing.

I am confident that I have the skills and experience to be a successful Loan Officer at Topdown Lending. I am committed to continuing to grow as a professional and am excited to be given the opportunity to learn and grow with your company. I look forward to meeting with you to discuss this opportunity further.”

Frequently Asked Questions: Samples of mortgage loan officer cover letters

What is the role of a mortgage loan officer?

Mortgage loan officers prospect, identify, and attract new borrowers to drive sales of mortgage loan products.

What skills should a mortgage loan officer possess?

Mortgage Loan Officer Skills:

  • Knowledge of banking software applications.
  • A comprehensive grasp of the rules governing banking products and services.
  • Excellent numerical and cognitive abilities.
  • Being able to deal with confidential data.
  • The capacity to prioritize tasks and manage time.
  • Exceptional interpersonal and writing abilities.

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