Free Mortgage Broker Office Org Chart Template
A mortgage office runs Loan Officers (LOs) at the top of production, with Loan Processors (LPs) handling the file and Loan Officer Assistants (LOAs) supporting the LOs. The Branch Manager or Owner sits above. Compliance and post-close sit under Operations.
Typical structure · 5 to 25 staff
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Roles in a typical mortgage broker
Headcount ranges are typical for a single-location operator. Multi-location and franchise structures scale these up.
| Role | Reports to | Headcount |
|---|---|---|
| Branch Manager / Owner | Mortgage Office | 1 |
| Operations Manager | Branch Manager / Owner | 1 |
| Loan Officers | Branch Manager / Owner | 3-10 |
| Loan Officer Assistants | Loan Officers | 2-6 |
| Loan Processors | Operations Manager | 2-5 |
| Closer | Operations Manager | 1-2 |
| Compliance Specialist | Operations Manager | 0-1 |
Where to add AI agents in a mortgage broker
The seats most likely to lift output if an AI agent runs the work alongside the human.
LOA
Doc-collection agent
Chases borrower documents (W-2s, paystubs, bank statements) on a schedule.
Operations
Pipeline status agent
Watches every loan against milestone dates, surfaces anything blocked.
Frequently asked questions
How is a mortgage office structured?
A typical office has the Branch Manager at the top with Loan Officers (LOs) producing, Loan Officer Assistants (LOAs) supporting them, and Loan Processors (LPs) plus Closers handling the file under an Operations Manager.
What is the difference between an LO and an LOA?
Loan Officers are licensed (NMLS) and originate loans. Loan Officer Assistants are unlicensed and support the LO with admin, document collection, and status updates. LOAs cannot quote rates or take applications.
How many processors per loan officer?
A healthy ratio is one processor per 3 to 5 LOs at average production. Heavy producers (more than 100 loans a year) often need a dedicated processor.
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