Mortgage Loan Originator / Qualified Individual (AZ)

About Opendoor

At Opendoor our mission is to tilt the world in favor of homeowners and those who aim to become one. Homeownership matters. It's how people build wealth, stability, and community. It's how families put down roots, how neighborhoods strengthen, how the future gets built. We're building the modern system of homeownership giving people the freedom to buy and sell on their own terms. We’ve built an end-to-end online experience that has already helped thousands of people and we’re just getting started.

About the role

Opendoor is building a new mortgage lending operation from the ground up. We're looking for a licensed Mortgage Loan Originator to join our team at the Opendoor Home Loans main office and serve as a Qualified Individual (QI) for states that require on-site designation.

This is not a traditional MLO role. Our mortgage product is built on a technology-first, self-service model designed to handle straightforward transactions digitally. Think TurboTax for mortgages rather than a traditional loan officer desk. Your role is to keep transactions moving forward, guide borrowers when they need a human touch, and ensure we meet regulatory requirements across multiple states.

Volume will be low initially. We're looking for someone who is comfortable wearing multiple hats, contributing beyond origination, and growing with the business as it scales. This is a salaried position with equity, not a commission-based role.

What you'll do

• Serve as the designated Qualified Individual (QI) based at the Opendoor Home Loans main office, covering QI requirements for states including CA, CT, DE, MA, PA, RI, and VT
• Originate loans, take applications, and offer/negotiate loan terms in full compliance with applicable federal and state laws
• Guide borrowers through a technology-driven origination process, providing support and clarity when the self-service platform requires human intervention
• Manage a loan pipeline in a high-volume, technology-enabled origination environment
• Collaborate with engineering, product, compliance, and operations teams to refine and improve the mortgage workflow
• Contribute to other areas of the mortgage operation as the business scales, including compliance support, process improvement, and quality assurance
• Maintain active MLO licensing across required states and fulfill continuing education requirements

What You'll Need

• Active NMLS registration and MLO license(s) in good standing; ability and willingness to obtain additional state MLO licenses quickly
• Minimum 5 years of verifiable mortgage origination or mortgage banking experience, as required for Qualified Individual designation
• State-level licensing (not federal/bank-only licensing); experience at a non-bank lender or independent mortgage company strongly preferred
• Proficiency with conventional (Fannie Mae/Freddie Mac) loan programs and guidelines
• Demonstrated understanding of the MLO role under the SAFE Act, including NMLS licensing, continuing education, and renewal requirements
• Clean credit and employment history; must satisfy character and fitness standards in all states where required
• Comfort with technology-driven workflows and willingness to work in a non-traditional, AI-first mortgage environment
• Strong communication skills and ability to guide borrowers clearly through a digital-first mortgage process

Bonus Points

• Experience at a tech-forward mortgage company or fintech lender 
• Background as a loan officer assistant, loan processor, or compliance professional with an active MLO license
• Multi-disciplinary experience beyond pure origination (compliance, marketing, operations)
• Experience working in a startup, high-growth, or early-stage lending environment

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