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Contract Mortgage Processing Jobs (NOW HIRING)

Sonabank

Mortgage Processor

Wilmington, NC · On-site

$24 - $32/hr

The Mortgage Processor is responsible for evaluating, authorizing approval or denying applications ... Finalize loan contracts and keep clients informed in rules and obligations. * Remain up to speed ...

Sonabank

Mortgage Processor

Wilmington, NC · On-site

$33K - $46K/yr

The Mortgage Processor is responsible for evaluating, authorizing approval or denying applications ... Finalize loan contracts and keep clients informed in rules and obligations. * Remain up to speed ...

Unity Bank

Residential Mortgage Processor

Clinton, NJ · On-site

$41K - $57K/yr

Position Summary Responsible for efficient processing of residential mortgage loan applications ... or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document ...

TEKsystems

Mortgage Closer

Pensacola, FL

$18.44/hr

Experience Level Entry-Level to Junior Mortgage Processor Job Type & Location This is a Contract to Hire position based out of Pensacola, FL. Pay and Benefits The pay range for this position is $18 ...

Unity Bank

Residential Mortgage Processor

Clinton, NJ · On-site

$41K - $57K/yr

Position Summary Responsible for efficient processing of residential mortgage loan applications ... or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document ...

ABSM

Mortgage Loan Processor

Miami Lakes, FL · On-site

$50K/yr

... contracts, and property tax records to help process mortgage loan files Qualifications: • Accounting, finance, or business Associate's degree preferred - High school diploma or GED required • ...

Novus Home Mortgage

Mortgage Loan Processor

Waukesha, WI · On-site

$32/hr

Pre-process and pre-underwrite loans before they go under contract, catching potential issues early ... Stay current on federal and state mortgage regulations and investor guidelines Qualifications: * 2 ...

ICSI

Member Services Rep -AACU Mortgage

Fort Worth, TX · On-site

$38K - $52K/yr

Member Services Rep-AACU Mortgage Processing Job Type: W2 Contract- No Benefits Job Duration: 3 months Job Location: Fort Worth, TX 100% on-site Description: Job Purpose Responsible for creating new ...

Robert Half

Loan Processor - Support

Clawson, MI · On-site

$22.80 - $26.40/hr

This Long-term Contract position focuses on managing mortgage loan documentation, maintaining compliance throughout the lending process, and supporting efficient file progression from application ...

ABSM

Mortgage Loan Processor

Hialeah, FL · On-site

$50K/yr

Order property and loan documentation such as appraisals, inspections, title searches, site surveys, contracts, and property tax records to help process mortgage loan files Qualifications:

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Contract Mortgage Processing information

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$12

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$33

How much do contract mortgage processing jobs pay per hour?

As of Aug 21, 2026, the average hourly pay for contract mortgage processing in the United States is $20.84, according to ZipRecruiter salary data. Most workers in this role earn between $15.87 and $19.95 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.
More about Contract Mortgage Processing jobs

What cities are hiring for Contract Mortgage Processing jobs?

Cities with the most Contract Mortgage Processing job openings:

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

The most popular types of Mortgage Processing jobs are:

What states have the most Contract Mortgage Processing jobs?

States with the most job openings for Contract Mortgage Processing jobs include:

Contract Mortgage Processing jobs near you
Infographic showing various Contract Mortgage Processing job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 80% Full Time, 14% Part Time, 1% Temporary, 3% Contract, and 1% Nights. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $43,357 per year, or $20.8 per hour.

Mortgage Processor

Sonabank

Wilmington, NC • On-site

$24 - $32/hr

Full-time

Re-posted 15 days ago

Job description

Position Summary:  The Mortgage Processor is responsible for evaluating, authorizing approval or denying applications for people or businesses. The Mortgage Processor will act as the liaison between potential clients and our growing financial institution by researching credit records, determining client needs and recommending the best loan products for the loan package. The goal is to help eligible applicants obtain loans in a timely and professional manner while protecting our institution's credibility. For those clients undergoing financial hardship, mortgage processors help with determining ratios and metrics to set up debt payment plans.

 

Primary Duties

  • Comply with industry-related regulations, requirements and state/federal laws as applicable to the job duties of this position.
  • Interview applicants, research applicant credit status and current financial position to evaluate their eligibility for a mortgage loan.
  • Identify and recommend products that meets the customer’s needs and the originations leading guidelines.
  • Conclude on all applicable financial and non-financial criteria and development loan repayment plans.
  • Collect and prepare all necessary documentation for the loan package. Checks documents for proper vesting, legal descriptions, closing dates and signatures.
  • Finalize loan contracts and keep clients informed in rules and obligations.
  • Remain up to speed regarding lending and other financial services.
  • Submit files to the designated Underwriter.
  • Completes all required disclosure/verifications during the mortgage application and underwriting process.
  • Follow-up with clients to verify important information
  • Regular and sustained attendance.
  • Follow all bank and regulatory compliance related policies and procedures; including Bank Secrecy Act/Anti-Money Laundering, reporting suspicious activity to the BSA Officer and additional BSA job functions as required by job.
  • Maintain compliance with and adhere to all state and federal regulations and bank policies and procedures, including, but not limited to Bank Secrecy Act, FACT ACT, Community Reinvestment Act, and EEO/AA/Fair Employment Practices.

 

Minimum Educational & Experience Requirements

  • Bachelor’s degree in business, banking, or finance preferred.
  • Required to possess all applicable licenses.
  • A minimum of 5 years’ experience as a Mortgage Processor or similar role.
  • In-depth knowledge of closing procedures, loan processes, and documentation.
  • High level of understanding of current regulatory requirements affecting mortgage loans

 

 

Minimum Skill Requirements

  • Professional and effective verbal and written communications
  • High degree of detail orientation
  • Strong organizational skills
  • Ability to work independently with minimal supervision
  • Proficient with MS Office

.

Physical Demands

In terms of an 8-hour workday, “occasional” equals 1% to 33%, “frequent” equals 34% to 66%, and “continuous” equals 67% to 100%. However, some duties are performed monthly, annually, or sporadically throughout the year and are essential functions. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions of the position.

  • Continuous remaining in a stationary position, particularly, but not limited to, at a desktop computer
  • Continuous repetitive use of hands/arms; particularly concerning to typing, writing, phone & computer use
  • Continuous communication: verbal and written, in-person, phone and electronic

 

Work Environment

  • Office environment

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