What term describes someone who performs unsupervised mortgage-related duties?

The term that describes someone who performs unsupervised mortgage-related duties is "independent contractor." This designation typically refers to a person who operates their own business and is not subject to the same level of oversight or control as an employee would be. Independent contractors have the flexibility to manage their own schedules, clients, and workload, including handling mortgage-related tasks without direct supervision.

In contrast, a loan originator and a registered loan originator are typically individuals who work on behalf of a financial institution or lender to facilitate the loan process but may not operate independently. A loan processor, on the other hand, primarily manages the paperwork and details of mortgage loans and tends to work under supervision within a company. This hierarchical structure indicates that independent contractors enjoy a more autonomous role in performing their responsibilities.