Mortgage experts said the creation of such a big player would be bad for competition in the market, causing rates to increase. Louise Cumming, mortgage expert at the MoneySupermarket.com , the personal finance website, said: "Consumers have every ... Loan officers at a bank or a credit union are employees working to sell and process mortgages and loans for mortgage customers or home buyers like you. Their loan types and mortgage products have several varieties but they all come from one specific originator, their employers.
