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Contract Mortgage Audit Jobs (NOW HIRING)

First Horizon Bank

Mortgage Underwriter

Charlotte, NC · On-site

... contracts, title, insurance and/or other supporting documentation to decision loans within ... audits and post-closing issues in a timely manner. • Proactively manage an individual loan ...

First Horizon Bank

Mortgage Underwriter

Plano, TX

... contracts, title, insurance and/or other supporting documentation to decision loans within ... audits and post-closing issues in a timely manner. • Proactively manage an individual loan ...

First Horizon Bank

Mortgage Underwriter

Houston, TX · On-site

... contracts, title, insurance and/or other supporting documentation to decision loans within ... audits and post-closing issues in a timely manner. • Proactively manage an individual loan ...

United Community Bank

$110 - $170/hr

... HMDA, TRID, audit standards, and internal policies. * Evaluate system and process changes for ... issue escalation, contract deliverables, and participation in product roadmap discussions.

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Contract Mortgage Audit information

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$35K

$56.3K

$79K

How much do contract mortgage audit jobs pay per year?

As of Aug 11, 2026, the average yearly pay for contract mortgage audit in the United States is $56,250.00, according to ZipRecruiter salary data. Most workers in this role earn between $37,500.00 and $75,000.00 per year, depending on experience, location, and employer.

What are some common challenges faced by professionals in contract mortgage audit roles, and how can they be managed effectively?

Professionals in Contract Mortgage Audit often encounter challenges such as tight deadlines, complex regulatory requirements, and the need to stay updated on evolving mortgage industry standards. Auditors must carefully review large volumes of documentation for accuracy and compliance, which can be time-consuming and detail-oriented. Effective time management, strong organizational skills, and clear communication with lenders, brokers, and underwriters are essential for success in this role. Collaborating with team members and leveraging audit technology tools can also help streamline processes and reduce errors.

What is the difference between Contract Mortgage Audit vs Contract Mortgage Underwriter?

AspectContract Mortgage AuditContract Mortgage Underwriter
CredentialsTypically requires auditing certifications, mortgage compliance knowledgeRequires mortgage lending licenses, underwriting certifications
Work EnvironmentAudit firms, financial institutions, remote or office-basedBanking institutions, mortgage companies, office-based
Industry UsageUsed for compliance and risk assessmentUsed for loan approval and risk evaluation

Contract Mortgage Audit and Contract Mortgage Underwriter roles share overlapping knowledge of mortgage processes but differ mainly in focus. Auditors review compliance and accuracy, while underwriters evaluate loan risk for approval. Both require mortgage industry certifications and are integral to the mortgage lending process.

What is a contract mortgage audit?

A Contract Mortgage Audit is a thorough review and analysis of mortgage documents and contracts to ensure compliance with laws, regulations, and the terms of the agreement. The audit aims to identify errors, discrepancies, or potential fraud in the mortgage process and documentation. Professionals conducting these audits may look at payment histories, interest calculations, and legal compliance to protect both lenders and borrowers. The findings from a contract mortgage audit can help resolve disputes, support legal actions, or correct administrative mistakes.

What are the key skills and qualifications needed to thrive as a contract mortgage auditor?

To thrive as a Contract Mortgage Auditor, you need a solid understanding of mortgage processes, regulatory compliance, and attention to detail, often supported by experience in mortgage underwriting or auditing. Familiarity with loan origination systems (LOS), mortgage servicing platforms, and relevant certifications such as Certified Mortgage Auditor (CMA) or similar are typically required. Strong analytical skills, effective communication, and the ability to work independently set top performers apart. These skills ensure accurate audits, regulatory adherence, and the protection of both lenders and borrowers from financial risk.
More about Contract Mortgage Audit jobs
What cities are hiring for Contract Mortgage Audit jobs? Cities with the most Contract Mortgage Audit job openings:
What are the most commonly searched types of Mortgage Audit jobs? The most popular types of Mortgage Audit jobs are:
What states have the most Contract Mortgage Audit jobs? States with the most job openings for Contract Mortgage Audit jobs include:
What job categories do people searching Contract Mortgage Audit jobs look for? The top searched job categories for Contract Mortgage Audit jobs are:
Contract Mortgage Audit jobs near you
Infographic showing various Contract Mortgage Audit job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 90% Full Time, 5% Part Time, 1% Temporary, and 3% Contract. Highlights an 86% Physical, 6% Hybrid, and 8% Remote job distribution, with an average salary of $56,250 per year, or $27 per hour.

Mortgage QC Underwriter

Canopy Mortgage LLC

Lindon, UT • On-site

Full-time

Re-posted 11 days ago

Job description

Description

Position Overview: 


Perform quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre and post-closing audits, compliance. Reviews include identifying potential fraud and/or misrepresentation, processing / underwriting deficiencies, compliance violations, and/or applicable scope specific opportunities.  

Requirements

Essential Job Functions: 

  • Review and provide Quality Control feedback on loan file reviews completed by internal staff 
  • Pre-Closing Reviews ? Confirm loan product is compliance with program guidelines and borrower eligibility
  • Review employment documentation and re-calculate income documentation 
  • Review and recalculate asset and reserve documentation 
  • Review credit report and re-calculate liabilities 
  • Review title commitments, hazard and flood insurance 
  • Review and analyze borrower's mortgage applications and related documents 
  • Review and analyze real estate purchase contracts, if applicable 
  • Perform Appraisal Reviews for completeness, health and safety issues, and external obsolescence 
  • Identify all red flags within a loan file and ensure they are addressed accordingly 
  • Determine proper designation for title, title services and all other shop-able fees 
  • Compare fee payee names listed on Final Settlement Statement to invoices or other docs in file to validate accuracy of information
  • Compare Specific Closing Instructions for accuracy (fees and amounts)
  • Compare Specific Closing Instructions for (loan terms, principal and interest, escrow information).
  • Post-Closing Reviews ? Review final closing documents to ensure adherence with applicable law 
  • Validate compliance with state specific Non-borrowing spouse signing requirements. 
  • On NORTC eligible loans, verify compliance with Notice of Right to Cancel requirements of RESPA 
  • Confirm all documents and pre-funding conditions pertaining Title, Trusts and POAs have been satisfied 
  • Compliance Reviews - analyze individual loan files and determine compliance with applicable lender guidelines and/or loan approval

          ECOA - Reg B

          Fair Credit 

          Flood  

          HMDA - Reg C 

          RESPA - Reg X

          TILA - Reg Z

  • Follow quality control policies and procedures to ensure compliance with scopes of work ? Identify training opportunities pertaining to quality reviews and communicate with Quality Manager to implement such needed sessions 


Requirements: 

  • 3+ years' Underwriting / QC experience 
  • Minimum two years' experience underwriting to FNMA and/or FHLMC guidelines and FHA and/or VA guidelines 
  • Must have demonstrable, relevant skills and experience in quality control support and practices in the mortgage loan industry (origination and post-closing) 
  • Demonstrate impeccable written and verbal communication skills 
  • Excellent time management skills with an emphasis on quality 
  • Knowledge and understanding of transaction components that indicate a potential for fraud and critical compliance violations 
  • Should have knowledge in the policies, principles and practices of mortgage loan processing, underwriting, and closing 
  • Must be self-motivated, creative and able to work in a team environment while thinking independently and sharing knowledge and ideas
  • Must be able to multi task between multiple analytical projects and able to adapt to constant modification of the work flow 
  • Strong computer skills 

Could be in person or remote.

Apply