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Contract Mortgage Processing Jobs in Texas (NOW HIRING)

DR Horton, Inc.

Contract Signer

San Antonio, TX · On-site

The Company also provides mortgage financing and title services for homebuyers through its mortgage ... The right candidate will meet and greet homebuyers during closing for signature and notary process.

512 Financial

Mortgage Loan Closer

Houston, TX · On-site +1

$50K - $65K/yr

As a Mortgage Loan Closer , you will manage the full closing process from the initial Closing ... Ensure pre-closing documents (contracts, hazard insurance, etc.) meet all required guidelines.

512Financial

Mortgage Loan Closer

Houston, TX · Remote

... funding process. This is a fully remote/work-from-home position. Key Responsibilities ... Review purchase contracts, hazard insurance, title work, and other required documentation prior to ...

iQuasar

Mortgage Clerk - Jr.

San Antonio, TX · On-site

One of our clients in San Antonio, TX, needs a Mortgage Clerk- Jr. for a contract position ... Process tasks, post payments, and record payoffs in LoanServ. * Update and maintain insurance ...

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Showing results 21-40

All JobsContract Mortgage Processing JobsContract Mortgage Processing Jobs in Texas

Contract Mortgage Processing information

See Texas salary details

$11

$19

$31

How much do contract mortgage processing jobs pay per hour?

As of Aug 21, 2026, the average hourly pay for contract mortgage processing in Texas is $19.42, according to ZipRecruiter salary data. Most workers in this role earn between $14.76 and $18.61 per hour, depending on experience, location, and employer.

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 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.

How to become a contract mortgage processing?

To become a contract mortgage processor, candidates typically need a high school diploma or equivalent, along with experience in mortgage or financial processing. Familiarity with loan software and strong attention to detail are important, and some roles may require industry certifications such as the Mortgage Loan Originator (MLO) license. Contract positions often require the ability to work independently and meet deadlines in a remote or flexible environment.

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, communication with clients and lenders, and working under pressure to meet closing dates.

What are the most commonly searched types of Mortgage Processing jobs in Texas?

The most popular types of Mortgage Processing jobs in Texas are:

What cities in Texas are hiring for Contract Mortgage Processing jobs?

Cities in Texas with the most Contract Mortgage Processing job openings:

Contract Mortgage Processing jobs near you
Infographic showing various Contract Mortgage Processing job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 82% 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 $40,394 per year, or $19.4 per hour.

Senior Mortgage Loan Processor

University Federal Credit Union

Austin, TX • On-site

Full-time

Re-posted 15 days ago

Job description

Job Summary
The Senior Mortgage Loan Processor reviews and gathers documentation, verifies information, and orders loan-related documents to submit for underwriting of mortgage loans within UFCU and industry guidelines. This role assumes primary responsibility for the loan file and loan documentation from the receipt of the contract through closing/funding.
The Senior Mortgage Loan Processor reports to the Senior Manager, Mortgage Loan Operations.
About UFCU
Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members' needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members' best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Loan File Evaluation and Documentation
  • Evaluates loan applications and accompanying documents to determine compliance with Automated Underwriting System (AUS) results and guidelines; conducts further due diligence and re-evaluates based on AUS as needed
  • Performs thorough review of credit report
  • Reviews employment information and collects necessary supporting documentation
  • Reviews asset statements and financial information and collects necessary supporting documentation
  • Communicates with members and maintains effective follow-up to ensure receipt of documents necessary for loan processing
  • Evaluates appraisals for accuracy, making sure any corrections, adjustments, and repairs are completed prior to underwriting submission
  • Orders property information including title, flood certification, and homeowner's insurance documents
  • Reviews title documents for valid ownership, chain of title, taxes, subordinate liens, liens and judgments, and current mortgage holder
  • Performs due diligence on loan package to ensure it is complete and thorough before submitting for underwriting approval
  • Verifies that Underwriter receives and clears all underwriting conditions and prepares the file for submission to the Closing Department
  • Stays current on all underwriting guidelines and quality control policies

Communication
  • Performs timely follow up with key individuals to resolve problems and/or responds to inquiries
  • Works collaboratively with Loan Officers, Underwriters, and Closers to resolve problems.
  • Handles all member communication during the processing of the mortgage loan.

Other
  • Adheres to all company policies, procedures and business ethics codes.
  • Completes required regulatory training as assigned.
  • Maintain strict adherence and compliance to all laws, rules, regulations and internal controls specific to your role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Knowledge/Skills/Abilities
Knowledge
  • Advanced knowledge of current mortgage lending laws and regulations for Fannie Mae, FHA, VA, USDA
  • Thorough knowledge of all aspects of the federal and state regulations dealing with Home Equity lending
  • Advanced knowledge of the mortgage process, documentation, requirements, and terminology
  • Proficient in use of computers and MS Office software suite (e.g., Outlook, Word, Excel)

Skills
  • Excellent analytic skills, attention to detail, and ability to work within time constraints
  • Excellent interpersonal, written and verbal communication skills

Abilities
  • Demonstrated ability to use loan origination and underwriting software to efficiently perform job functions
  • Well-developed ability to manage multiple tasks/projects and deadlines simultaneously
  • Ability to quickly build rapport and establish credibility with members and co-workers.
  • Ability to manage multiple projects, under tight deadlines while maintaining the accuracy and integrity of loan documentation.
  • Ability to efficiently work both independently and in a team environment
  • Strong ability to effectively manage daily workload to meet or exceed service levels
  • Ability to exhibit adaptability to effectively adjust to frequent changes
  • Ability to consistently and effectively make evaluative judgments

Core Competencies
  • Demonstrating Member Obsession
  • Puts themselves in the Member's shoes
  • Looks for friction points
  • Makes it personalized and easy
  • Demonstrating Performance Excellence
  • Sets standards for elevating excellence
  • Ensures elevated quality
  • Takes responsibility
  • Conducts continuous improvement
  • Demonstrating Innovation
  • Challenges current thinking
  • Approaches change with a positive mindset

Experience
Minimum Requirements
  • High School Diploma or equivalent
  • Minimum five (5) years of experience in mortgage loan processing
  • Deep experience with Encompass Loan Origination System (LOS)
  • Extensive experience with all loan products available by Fannie Mae, Freddie Mac, FHA, VA, and USDA
  • Must be bondable

Preferred Requirements
  • Bachelor's degree or related college coursework
  • Prior financial institution experience
  • Experience with AllRegs software to review mortgage Underwriting guidelines
  • Bilingual in English and Spanish

Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Frequent
  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
  • Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.
  • Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.

Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
  • This position requires frequently working onsite at UFCU Plaza in Austin, Texas.
  • This position may involve periodic stressful conditions.
  • May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
  • Frequent computer use at a workstation up to two hours at a time.
  • The noise level in the work environment is usually moderate

#INDUFCU
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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