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Contract Mortgage Processing Jobs in California (NOW HIRING)

NFM, Inc.

Processor

Encinitas, CA · On-site +1

$24.04 - $31.25/hr

Minimum one year of mortgage processing experience required. * Strong knowledge of loan products ... This is not a contract of employment. The employer, in its sole discretion, may modify or adjust ...

NFM Lending

Processor

Encinitas, CA · On-site

$24.04 - $31.25/hr

Minimum one year of mortgage processing experience required. * Strong knowledge of loan products ... This is not a contract of employment. The employer, in its sole discretion, may modify or adjust ...

PLF Real Estate Solutions

Be Seen First

Mortgage Loan Processor

Downey, CA · On-site

$65K - $85K/yr

Manage and maintain pipeline to ensure files close on or before contract deadlines * Prepare files ... Minimum 2+ years of experience as a mortgage loan processor (preferred) * Strong knowledge of AUS ...

PLF Real Estate Solutions

Be Seen First

Mortgage Loan Processor

Downey, CA · On-site

$65K - $85K/yr

Manage and maintain pipeline to ensure files close on or before contract deadlines * Prepare files ... Minimum 2+ years of experience as a mortgage loan processor (preferred) * Strong knowledge of AUS ...

LendPro Mortgage

Junior Loan Processor

North Tustin, CA · On-site

$41K - $55K/yr

Mortgage Lending / Real Estate Join Our Growing Mortgage Team We are seeking a motivated and detail ... Monitor loan pipeline to ensure deadlines and contract closing dates are met * Prepare files for ...

Sunflower Bank

Mortgage Loan Processor III

Irvine, CA · On-site

$33 - $36/hr

Intermediate Processing - Master the process for a substantial variety of loan types (conventional ... contracts, investor guidelines, lending programs and state and federal law and regulation.

Sunflower Bank NA

Mortgage Loan Processor III

Irvine, CA · On-site

$33 - $36/hr

Intermediate Processing - Master the process for a substantial variety of loan types (conventional ... contracts, investor guidelines, lending programs and state and federal law and regulation.

Sunflower Bank NA

Mortgage Loan Processor III

Irvine, CA · On-site +1

$33 - $36/hr

Intermediate Processing - Master the process for a substantial variety of loan types (conventional ... contracts, investor guidelines, lending programs and state and federal law and regulation.

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All JobsContract Mortgage Processing JobsContract Mortgage Processing Jobs in California

Contract Mortgage Processing information

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$12

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$32

How much do contract mortgage processing jobs pay per hour?

As of Aug 6, 2026, the average hourly pay for contract mortgage processing in California is $20.57, according to ZipRecruiter salary data. Most workers in this role earn between $15.67 and $19.71 per hour, depending on experience, location, and employer.

Is contract mortgage processing a stressful job?

Contract mortgage processing can be stressful due to tight deadlines, high accuracy requirements, and the need to manage multiple applications simultaneously. The role often involves detailed documentation review and communication with clients and lenders, which can contribute to workload pressure, especially during busy periods or when dealing with complex cases.

How to become a contract mortgage processor?

To become a contract mortgage processor, candidates typically need a high school diploma or equivalent, along with experience in mortgage processing or related financial roles. Familiarity with loan documentation, mortgage software, and strong attention to detail are essential; some positions may require certification or training in mortgage processing standards.

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?

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 California? The most popular types of Mortgage Processing jobs in California are:
What cities in California are hiring for Contract Mortgage Processing jobs? Cities in California with the most Contract Mortgage Processing job openings:
Contract Mortgage Processing jobs near you
Infographic showing various Contract Mortgage Processing job openings in California as of July 2026, with employment types broken down into 83% Full Time, 13% Part Time, 1% Temporary, 2% Contract, and 1% Nights. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $42,789 per year, or $20.6 per hour.

Processor

NFM, Inc.

Encinitas, CA • On-site, Remote

$24.04 - $31.25/hr

Full-time

Re-posted 5 days ago

Job description

Position Summary:
The Mortgage Processor is responsible for reviewing, preparing, and verifying loan documentation to ensure accuracy and completeness throughout the mortgage process. This role involves coordinating with loan originators, borrowers, and third-party vendors to facilitate timely closings. The Processor ensures compliance with company policies, lender guidelines, and regulatory requirements while maintaining a high level of customer service.
Qualifications:
  • High school diploma or equivalent education required.
  • Minimum one year of mortgage processing experience required.
  • Strong knowledge of loan products, underwriting guidelines, and regulatory requirements.
  • Excellent attention to detail and organizational skills.
  • Strong problem-solving abilities and the ability to troubleshoot loan file issues.
  • Effective communication skills to collaborate with internal teams and external partners.
  • Proficient in Microsoft 365. Experience using Encompass or similar loan origination software.
  • Ability to manage multiple tasks in a fast-paced environment and meet deadlines.
  • Strong customer service skills with a proactive and professional approach.
  • Willingness to work occasional overtime as needed to meet business demands.

Essential Job Functions include, but are not limited to:
  • Manage a minimum pipeline of 25 loans monthly, ensuring efficient processing and timely closings.
  • Review new loan files within 48 business hours for accuracy and completeness.
  • Order and track verifications, appraisals, title work, and FHA Case Numbers.
  • Act as a liaison between loan originators, borrowers, underwriters, and closing agents to resolve loan-related issues.
  • Pre-underwrite loan files to ensure all necessary supporting documentation is obtained.
  • Collect, submit, and clear all underwriting and funding conditions.
  • Review loan applications (1003) for accuracy and completeness.
  • Follow up on outstanding documentation to ensure timely processing.
  • Prepare and distribute pipeline and aging reports to loan originators.
  • Ensure compliance with all regulatory requirements and company policies.
  • Coordinate closing dates and locations with all parties involved.
  • Review final loan documents, including the Closing Disclosure, to confirm accuracy before closing.
  • Issue Statements of Credit Denial when necessary, following regulatory guidelines.
  • Maintain confidentiality and securely handle sensitive borrower information.
  • Support process improvements and identify opportunities to enhance efficiency.
  • Perform additional duties as assigned

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, skills, efforts, or working conditions associated with a job.
Working Conditions Information:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is often required to walk; use hands to finger, handle, or operate computers, objects, tools, or controls; and reach with hands and arms. Specific vision abilities required by this job include close vision and the ability to adjust focus.
This job description is not a contract of employment. The employer, in its sole discretion, may modify or adjust the position to meet the organization's changing needs.
NFM Lending, Inc. is an equal-opportunity employer. We value diversity and do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. NFM believes success is created by a diverse workforce of individuals with different ideas, strengths, interests, and cultural backgrounds.
Additional Information:
The range provided reflects the expected compensation for this role and is considered a general guideline. Actual compensation will be decided based on factors such as geographic location, skills, education, experience assessed during the interview process, and internal pay equity. Compensation may also include incentives such as per-file bonuses and discretionary bonuses as applicable to the role.
Qualifying employees are eligible to participate in our Total Rewards program. Additional information can be found by clicking on the following link: Benefits and Total Rewards

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