Marcus R. Delgado

Profile

Senior Mortgage Loan Officer with 11 years of residential and jumbo lending experience across purchase, refinance, and FHA/VA loan programs. Consistent top-10% producer at each employer, closing an average of $28M in funded volume annually with a 97% file-to-close ratio. Specializes in first-time homebuyer education, complex self-employed borrower scenarios, and building referral networks with Realtors and financial planners.

Work Experience

Senior Mortgage Loan OfficerMar 2019 - Present

Pinnacle Home Lending, Charlotte, NC

Originated $34.2M in funded loan volume in 2023, ranking #2 of 41 loan officers in the Southeast region and exceeding annual quota by 19%.
Built and maintained a referral pipeline of 68 active Realtor and CPA partners, generating 74% of new applications from repeat or referred clients without paid lead sources.
Reduced average loan processing time from 38 days to 24 days by implementing a borrower document checklist system and coordinating weekly milestone calls with underwriting.

Mortgage Loan OfficerJun 2015 - Feb 2019

Cornerstone Federal Credit Union, Raleigh, NC

Closed 142 purchase and refinance loans totaling $21.7M in 2018, earning the credit union's President's Club award for the second consecutive year.
Expanded the FHA and VA loan portfolio by 31% year-over-year by partnering with three local military base family-services offices and hosting quarterly homebuyer workshops attended by 400+ participants annually.
Mentored two junior loan officers who each reached $10M+ in funded volume within 18 months, contributing to a 22% increase in overall branch production.

Mortgage Loan Officer AssistantAug 2013 - May 2015

SunBridge Mortgage Group, Durham, NC

Supported a team of four senior LOs processing 30–40 active loan files per month, maintaining a file accuracy rate of 99.2% across 580 total submissions.
Prepared Loan Estimates, Closing Disclosures, and RESPA-compliant disclosures for conventional, FHA, and USDA loan products with zero compliance violations over two years.
Automated the pre-qualification intake workflow using Encompass custom forms, cutting initial borrower response time from 48 hours to under 6 hours.

Skills

NMLS Licensed (#1487632) — NC, SC, VAEncompass (ICE Mortgage Technology)Conventional, FHA, VA, USDA & Jumbo Loan OriginationFannie Mae / Freddie Mac Underwriting GuidelinesDebt-to-Income & Credit Risk AnalysisPipeline Management & CRM (Salesforce, Jungo)RESPA / TRID ComplianceMortgage Point-of-Sale Systems (SimpleNexus)Borrower Financial Counseling & Pre-Qualification

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