Zachary E. Kearney
Mortgage Loan Officer, Realtor referral development
Mesa, AZ · (480) 555 0134 · name@example.com · linkedin.com/in/zacharyekearney
Key Qualifications
EXPERIENCE
Nine years in residential mortgage origination
LENDING FOCUS
Purchase money first mortgages, first time buyer programs, conventional and government lending
SPECIALTIES
Realtor referral development, self employed income, credit coaching before application
SYSTEMS
Encompass, Salesforce, Optimal Blue, Desktop Underwriter, Fiserv
CREDENTIALS
Nationwide Multistate Licensing System identifier 1188743, Arizona mortgage loan originator license
EDUCATION
Bachelor of science in finance, Arizona State University
Executive Summary
Retail mortgage loan officer at a regional bank, nine years originating purchase business in the east valley of Phoenix. Roughly eight in ten of my loans are purchases rather than refinances, half go to first time buyers, and I take applications in Spanish and English.
Signature Achievements
- Closed forty one million dollars across one hundred and sixty two units in 2024, the highest unit count on a branch team of nine.
- Held a pull through rate of ninety one percent on locked applications against a branch average of eighty two percent.
- Built a referral network of twenty three real estate agents that now sends about seventy percent of my monthly applications.
- Guided sixty eight first time buyers to closing in two years using state housing agency down payment assistance layered with Federal Housing Administration financing.
- Recorded zero repurchase demands and zero early payment defaults across the full book since 2019.
Professional Experience
Mortgage Loan Officer
Copper Ridge Bank, Mesa, AZ 2020 to present
Retail branch origination across Mesa, Gilbert, Chandler and Queen Creek, carrying a pipeline of thirty to forty active files.
- Take applications, price and lock loans, and issue the loan estimate inside the three day window the Truth in Lending Act requires.
- Structure files to conventional and Federal Housing Administration guidelines, checking debt to income, loan to value and Fair Isaac Corporation credit score before ordering an appraisal.
- Coach borrowers with thin or bruised credit through a written plan and reengage them when scores support approval, which returns about a quarter of declined applicants.
Loan Officer Assistant then Mortgage Loan Officer
Saguaro Home Lending Group, Tempe, AZ 2016 to 2020
Independent mortgage bank with four retail branches in Maricopa County.
- Supported two senior originators for eighteen months, then licensed and built an independent pipeline from open house and builder relationships.
- Averaged nine closed units a month in 2019 with an average loan amount of two hundred and forty thousand dollars.
- Licensed in 2017 and passed the national originator examination on the first attempt.
Licensure and Certification
Nationwide Multistate Licensing System and Registry identifier 1188743
Arizona mortgage loan originator license 0942117, renewed annually with eight hours of continuing education
Education
Bachelor of science in finance, Arizona State University, 2015
Core Skills
Purchase mortgage origination · First time buyer programs · Down payment assistance · Loan estimate disclosure · Debt to income analysis · Realtor referral development · Self employed income review · Rate lock management