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Contract Mortgage Processing Jobs in Texas (NOW HIRING)

Efinity Mortgage

Ai Solutions Architect

Austin, TX · On-site

$125/hr

Contract, 90-day Location: Preferred Hybrid in Austin, TX The Opportunity: Efinity Mortgage is a ... The goal is to create a digital workforce that augments our people across underwriting, processing ...

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Contract Mortgage Processing information

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$11

$19

$31

How much do contract mortgage processing jobs pay per hour?

As of Sep 3, 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.

Mortgage Loan Officer I (Lubbock Region)

GECU

Lubbock, TX • On-site

Full-time

Re-posted 8 days ago

Key responsibilities

  • Interview and qualify members for mortgage products.

  • Assist the Loan Department with mortgage product expertise and review loan requests for approval.

  • Coordinate closing dates and maintain contact with members and realtors throughout the loan process.

Job description

Are you passionate about making a positive impact in the community you live in? Do you want to be on the forefront of paving the way to financial freedom for the members we serve? At GECU, our Core Values drive our Culture: Advocate, Integrity, Accountable, Dedicated and Passionate. Come grow your career with an award- winning team!
This is a job family. There are three levels to this position.
Level I
BASIC RESPONSIBILITIES
Responsible for the interviewing and qualifying of members for mortgage products.
TYPICAL DUTIES
Assists the Loan Department with required technical expertise with regard to mortgage products.
Conducts face to face and over the phone interviews to assist both members/realtors with mortgage applications.
Ensures all necessary documents are completed according to the guidelines of a specified product and orders necessary documents to include appraisals, surveys and insurance.
Reviews and submits loan requests with recommendations for manual underwriting and screens all referrals.
Sends Adverse Action Notice as required by federal law to members who do not meet loan program guidelines.
Maintains contact with members and realtors throughout the loan process and returns all calls within a timely response.
Coordinates closing dates with members, title companies and agents.
Basic knowledge of Mortgage Loan Servicing to include participation during escrow analysis.
Performs notary services.
Maintains a clean pipeline.
Reviews loanquoter/web applications and submits for approval.
Interacts with investors to provide members with niche products and government loans.
Attends various schools, seminars and workshops as may be necessary to maintain adequate knowledge of on-going changes in the industry.
Assist business development officer with home buying seminars and helps to establish good business relationships with the realtor's by participating in mortgage associations and helping with realtor seminars, open house and presentations.
Assists in training MSSO's from designated branches on quarterly basis.
Cross-sells other GECU products as well as services offered by MFS.
Maintain and understand compliance to ensure that work complies with GECU's established policies, procedures and applicable regulations, to include Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Member Identification Program (MIP), and Office of Foreign Asset Control (OFAC).
Other duties as may be assigned or required in connection with the general operation of the credit union.
Level II
Level III
CRITICAL KNOWLEDGE, SKILL AND EDUCATIONAL REQUIREMENTS
Must be able to maintain up to 80 loans closed per year or up to $12,000,000 in loan volume consistently for at least a period of 12 months.
Required to meet all State and National licensing minimum standards; must meet required minimal education requirements for initial licensing and continued annual education; must pass national criminal history background check.
Complete and comprehensive knowledge of Texas and New Mexico Real Estate Law.
Complete and comprehensive knowledge of Title Insurance Law.
Extensive knowledge of Regulations governing real estate regulations; C, Z, and Fair Debt Collection Practices Act.
In depth knowledge of Down Payment Assisted Programs.
Comprehensive, in-depth knowledge of real estate loan policies, mortgage loan documentation, mortgage loan forms, contracts and interest rates.
Comprehensive knowledge of conventional and government underwriting guidelines.
Comprehensive knowledge of loan origination software.
Good communication skills, both written and oral.
Good sales and marketing skills.
Good clerical skills, typing, 10-key, working knowledge of PC and business calculator.
High School diploma and additional post-secondary technical course work or equivalent with three years similar or related experience.
Requires sitting the majority of the day, lifting up to 10 pounds frequently, lifting up to 20 pounds, bending, squatting, climbing, twisting and reaching above and below shoulder level occasionally
PRIMARY RESPONSIBILITY
Providing quality service is the primary responsibility of this position. Quality service means treating members and coworkers with respect and courtesy at all levels whether in person or by telephone as outlined in the Employee Handbook.
Hours of Availability: Monday- Sunday: 9:00 a.m. - 6:00 p.m.
Rotating schedule during these hours to meet membership and department needs. After hours flexibility for offsite mortgage events.
This application is valid for 12 months. After that date, unless otherwise notified, please understand that your status as an applicant will end. You may re-apply for employment in the future by completing a new application. All correspondence regarding the processing of the application will be sent via e-mail to the address provided on the application. Please ensure spam filters are set accordingly to prevent e-mails from going to the Junk Mail/Spam folder.

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