The best loan types to close for mortgage loan officers
The best loan types to close for mortgage loan officers.
Tested and reviewed for 2025
We independently test everything we recommend for the best loan types to close for mortgage loan officers. Our team of lead testers dedicated hundreds of hours to evaluating loan lead types in the toughest market conditions, focusing on ease of closing, loan volume, commission potential, and why loan officer prefer a certain loan type. From VA, FHA, conventional, USDA and jumbo loans, we’ve tested over 6 loan types with surveys and loan officer feedback to bring you our recommendations of the top performers.
We interviewed top performing loan officers from NEXA, Rocket, United mortgage, and more! With hundreds of feedback in our markets, our hands-on lead testing means you’ll make the right choice the first time for the best loan types to close for mortgage loan officers.
Quick Highlights for Loan Officers:
FHA = Best for volume
Conventional = Most reliable pipeline
VA = High-trust, high-close niche
USDA = Great in rural markets
Jumbo = Best for large commissions
Loan Type: VA Loan
Best For: Veterans, active duty, spouses
Ease of Closing: ⭐⭐⭐⭐ Easy
Volume Potential: ⭐⭐⭐ Moderate
Commission Potential: ⭐⭐ Moderate
Why Loan Officers Love It: No down payment = easier to close, strong borrower trust
Loan Type: FHA Loan
Best For: First-time buyers, lower credit
Ease of Closing: ⭐⭐⭐⭐ Easy
Volume Potential: ⭐⭐⭐⭐ High
Commission Potential: ⭐⭐ Moderate
Why Loan Officers Love It: Opens doors for buyers who can’t qualify conventionally
Loan Type: Conventional
Best For: Strong credit, steady income
Ease of Closing: ⭐⭐⭐ Standard
Volume Potential: ⭐⭐⭐⭐⭐ Very High
Commission Potential: ⭐⭐⭐ High
Why Loan Officers Love It: Bread-and-butter loans — flexible, widely accepted
Loan Type: USDA Loan
Best For: Rural & suburban buyers
Ease of Closing: ⭐⭐⭐ Moderate
Volume Potential: ⭐⭐ Niche
Commission Potential: ⭐⭐ Moderate
Why Loan Officers Love It: Expands reach in qualifying areas with 0% down
Loan Type: Jumbo Loan
Best For: Luxury properties, high earners
Ease of Closing: ⭐⭐ Strict
Volume Potential: ⭐ Low
Commission Potential: ⭐⭐⭐⭐⭐ Very High
Why Loan Officers Love It: Big-ticket loans mean bigger commissions per deal