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Contract Mortgage Processing Jobs in Arizona (NOW HIRING)

NFM Lending

Senior Processor

Tempe, AZ

Minimum one year of mortgage processing experience required. At least 5 years of experience ... This is not a contract of employment. The employer, in its sole discretion, may modify or adjust ...

NFM, Inc.

Senior Processor

Tempe, AZ · On-site

$17.31/hr

Minimum one year of mortgage processing experience required. At least 5 years of experience ... This is not a contract of employment. The employer, in its sole discretion, may modify or adjust ...

Addison Group

Foreclosure Sales Processor

Phoenix, AZ · On-site

$22/hr

... contract period) Qualifications: * 1+ year of experience in foreclosure, mortgage servicing, or ... timely processing of foreclosure-related work. Key Responsibilities: * Process and monitor ...

Panorama Mortgage Group LLC

Processor

Phoenix, AZ · On-site

$19.23 - $24.04/hr

Loans are to be processed to meet purchase contract deadlines and rate lock expiration dates ... One (1) to Three (3) years recent loan processing experience in the mortgage industry required

Panorama Mortgage Group LLC

Processor

Phoenix, AZ

$37K - $51K/yr

Loans are to be processed to meet purchase contract deadlines and rate lock expiration dates ... One (1) to Three (3) years recent loan processing experience in the mortgage industry required

Panorama Mortgage Group LLC

Processor

Phoenix, AZ · On-site

$37K - $51K/yr

Loans are to be processed to meet purchase contract deadlines and rate lock expiration dates ... One (1) to Three (3) years recent loan processing experience in the mortgage industry required

Addison Group

Title Curative Processor

Phoenix, AZ · On-site

$24/hr

... mortgage and title services industry, supporting foreclosure processing and property resolution ... Opportunity for contract-to-hire conversion and long-term placement Additional Details: * Fast ...

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All JobsContract Mortgage Processing JobsContract Mortgage Processing Jobs in Arizona

Contract Mortgage Processing information

See Arizona salary details

$11

$19

$31

How much do contract mortgage processing jobs pay per hour?

As of Aug 1, 2026, the average hourly pay for contract mortgage processing in Arizona is $19.43, according to ZipRecruiter salary data. Most workers in this role earn between $14.81 and $18.61 per hour, depending on experience, location, and employer.

What are some common challenges faced by contract mortgage processors, and how can they be managed effectively?

Contract mortgage processors often encounter challenges such as managing fluctuating workloads, keeping up with frequently changing regulations, and ensuring accurate, timely document collection from clients. To manage these challenges, it's important to establish strong organizational systems, stay current on industry updates, and maintain clear communication with loan officers, underwriters, and borrowers. Utilizing workflow management tools and building solid relationships with team members can also help streamline processes and improve efficiency in this dynamic environment.

What is the difference between Contract Mortgage Processing vs Mortgage Underwriting?

AspectContract Mortgage ProcessingMortgage Underwriting
Primary RolePrepares and reviews mortgage documents, verifies borrower information, and ensures application completeness.Assesses risk, reviews financial data, and approves or denies loan applications based on creditworthiness.
Required CredentialsTypically requires mortgage processing experience, knowledge of loan documentation, and sometimes certification.Requires underwriting experience, knowledge of lending guidelines, and often certifications like DE or LAPP.
Work EnvironmentOffice-based, often within banks, lenders, or mortgage companies.Office-based, within lending institutions or underwriting firms.

Contract Mortgage Processing focuses on preparing and verifying mortgage documents, while Mortgage Underwriting evaluates borrower risk and makes approval decisions. Both roles are essential in the mortgage lending process but differ in responsibilities and expertise required.

What is contract mortgage processing?

Contract mortgage processing involves outsourcing the mortgage loan processing function to third-party professionals or firms. These specialists handle tasks such as collecting borrower documentation, verifying information, coordinating with lenders and underwriters, and ensuring compliance with regulations. This service helps mortgage companies and lenders improve efficiency, reduce overhead costs, and manage variable workloads. Contract processors work on a per-loan or contract basis, without being direct employees of the lending institution.

What are the key skills and qualifications needed to thrive as a Contract Mortgage Processor, and why are they important?

To thrive as a Contract Mortgage Processor, you need a solid understanding of loan processing procedures, mortgage industry regulations, and document verification, typically supported by experience in finance or real estate. Familiarity with loan origination systems (LOS) such as Encompass, as well as knowledge of compliance software and automated underwriting systems, is crucial. Attention to detail, strong organizational skills, and effective communication are vital soft skills for managing complex paperwork and collaborating with lenders and borrowers. These skills ensure accurate, timely processing of mortgage applications, minimize errors, and facilitate smooth transactions for clients and financial institutions.
What are the most commonly searched types of Mortgage Processing jobs in Arizona? The most popular types of Mortgage Processing jobs in Arizona are:
What cities in Arizona are hiring for Contract Mortgage Processing jobs? Cities in Arizona with the most Contract Mortgage Processing job openings:
Contract Mortgage Processing jobs near you
Infographic showing various Contract Mortgage Processing job openings in Arizona as of July 2026, with employment types broken down into 64% Full Time, 19% Part Time, 1% Temporary, and 16% Contract. Highlights an 78% Physical, 3% Hybrid, and 19% Remote job distribution, with an average salary of $40,404 per year, or $19.4 per hour.

Mortgage Underwriter III

Sunflower Bank NA

Scottsdale, AZ • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 20 days ago

Job description

Job Type
Full-time
Description
At Sunflower Bank, N.A., we're experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it's what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com.
Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Mortgage Underwriter III.
Description:
The Mortgage Underwriter III renders a final decision (e.g., approval, disapproval, approval with conditions) for mortgage loan applications in a timely, accurate and compliant manner. This position reviews loan applications based on factors such as capacity, credit history, capital, and collateral in compliance with company policy, contracts, investor guidelines, lending programs and state and federal laws and regulations.
Responsibilities:
  • Render a final underwriting decision (e.g., approved, suspend, denied) for mortgage loan applications based on factors such as capacity, credit history, capital and collateral.
  • Apply underwriting rules from multiple sources to accurately and consistently review individual loan applications. Formulate approval conditions, as appropriate.
  • Review each loan file to verify documents are present, accurate, accurately calculated, compliant and sufficiently complete for an underwriting decision. Review and reach an underwriting decision on the appraisal.
  • Accurately answer questions from and educate loan officers, loan processors, and other appropriate personnel about underwriting rules and how they apply to individual loan applications. Review and answer loan scenario questions from loan officers.
  • Perform necessary computer-based functions for both internal and external IT systems. Conduct online research.
  • Meet ongoing, short deadlines with regard to underwriting, closing, etc.
  • Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs and state and federal law and regulation.
  • Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

Education / Experience Preferred:
  • Graduation from a 4-year college or university with related major, preferred
  • At least 10+ years of underwriting experience or combination of mortgage processing and underwriting experience
  • Conventional FNMA & FHLMC
  • FHA Direct Endorsement (DE) approved
  • Veterans Administration (VA) Lender Appraisal Processing Program (LAPP/SAR)
  • Preferred but not required: minimum of two of the following specialty areas: Portfolio Lending, Construction One Time and/or Two Time Close, or Jumbo Non-Conforming
  • USDA preferred but not required
  • Knowledge of Construction One Time and Two Time Close underwriting-preferred but not required
  • Knowledge of Jumbo Non-Conforming Service Release underwriting
  • Down payment assistance programs-preferred but not required
  • Must be proficient in Microsoft Office Suite.
  • Must possess excellent verbal, written and interpersonal skills.
  • Must possess excellent organization and multi-tasking skills.
  • Ability to maintain confidentiality.

Pay is dependent on knowledge, skills, abilities, experience, and location.
Working Conditions
The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.
Sunflower Bank Benefits
People choose to "bank" with us, but for those we serve, we're more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.
Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:
  • Rooted in Strength
  • Propelled by Growth
  • Individuals in a Great Whole
  • Creating Possibility
  • Community Focused

Associates enjoy outstanding benefits, including:
  • 401(k) Plan with 6% Match
  • Health/Dental/Vision Insurance
  • Company-paid Life Insurance
  • Tuition Reimbursement
  • Fitness Reimbursement
  • Paid Time Off
  • Volunteer Leave
  • Paid Holidays
  • Plus many more associate perks & incentives!

If you qualify, apply online at www.sunflowerbank.com/careers.
You've never worked anyplace like Sunflower Bank!
EOE/AA: Minorities/Females/Disabled/Vets
Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.
We accept applications on an ongoing basis until the role is filled. There is no fixed deadline to apply.
If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.

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