Lashae Latimore
Willingboro
Summary
Specialized mortgage professional with a focus on complex income analysis and regulatory compliance. Proficient in conducting pre-submission evaluations that identify potential underwriting issues, enhancing approval rates. Cross-functional collaborator with a strong history of managing loan pipelines while ensuring adherence to TRID, HMDA, and Fair Lending regulations.
Overview
15
15
years of professional experience
1
1
Certification
Work History
CRA Loan Officer
Fulton Mortgage Company
03.2024 - Current
- Originate and structure residential mortgage loans, including agency and Non-QM products.
- Analyze complex income scenarios including self-employed and variable income borrowers.
- Conducted pre-submission evaluations to identify and address potential underwriting conditions.
- Maintain active pipeline while ensuring CRA, TRID, and Fair Lending compliance.
- Collaborated with underwriting and operations to resolve conditions promptly, facilitating smoother loan processing.
Mortgage Loan Compliance Analyst
Citizens Bank
06.2020 - 05.2023
- Interpreted investor overlays, TRID, and HMDA regulations to ensure adherence in loan processing.
- Analyzed income and asset documentation to ensure compliance with multiple investor guidelines.
- Reviewed escalated and exception files, identifying alternative structuring solutions to facilitate approvals.
- Partnered cross-functionally with underwriting and operations to strengthen submissions.
Customer Advocate / Loan Processor
Freedom Mortgage
03.2019 - 05.2020
- Conducted detailed income calculations and credit analysis to assess borrower eligibility.
- Managed pipeline of 30-50 loans, consistently meeting service-level expectations.
- Reviewed FHA, VA, and Conventional loan applications to ensure compliance with regulatory standards.
Mortgage Loan Processor
PHH Mortgage
01.2014 - 01.2016
- Managed high-volume pipelines, resolving escalated regulatory issues to ensure compliance.
- Identified risk trends, recommending operational improvements that enhanced processes.
- Rehired based on prior performance and institutional knowledge.
Mortgage Loan Processor
PHH Mortgage
01.2011 - 01.2013
- Managed pipeline of conventional and government loans to facilitate timely processing.
- Reviewed borrower income, credit, and asset documentation to ensure accurate qualification.
- Ensured compliance with investor and regulatory guidelines to mitigate risks and uphold standards.
Education
Some College (No Degree) -
Burlington County College
Mt. Laurel , NJ05-2026
Skills
- Non-QM & Agency Loan Structuring
- Complex Income Analysis
- Scenario Review & Pre-Underwriting Evaluation
- Investor Guideline Interpretation & Overlays
- Layered Risk Assessment
- Condition Review & Resolution
- Pipeline Management
- Broker / Partner Communication
- Escalation & Exception File Review
- TRID Compliance
- HMDA Compliance
- Fair Lending Compliance
Certification
HUD Housing Counselor Certification, 08/01/23
Personal Information
Title: Mortgage Loan Originator | Compliance & Non-QM Specialist
Nmls Id
2587897
Affiliations
- Associate Trustee, Parkside Business & Community and Involvement
Timeline
CRA Loan Officer
Fulton Mortgage Company
03.2024 - Current
Mortgage Loan Compliance Analyst
Citizens Bank
06.2020 - 05.2023
Customer Advocate / Loan Processor
Freedom Mortgage
03.2019 - 05.2020
Mortgage Loan Processor
PHH Mortgage
01.2014 - 01.2016
Mortgage Loan Processor
PHH Mortgage
01.2011 - 01.2013
Some College (No Degree) -
Burlington County College