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Conventional Underwriter Jobs (NOW HIRING)

JMAC Lending

Conventional Underwriter

Costa Mesa, CA

$77K - $92K/yr

Conventional Underwriter Remote OperationsFull time Costa Mesa, California, United StatesOverviewApplicationDescription About JMAC Lending: With over 25 years of experience, JMAC Lending has ...

Moder Solutions

Underwriter

The Conventional Underwriter is responsible for performing a comprehensive review and analysis of mortgage loan files to make informed lending decisions. This role primarily focuses on conventional ...

Moder Solutions

Underwriter

The Conventional Underwriter is responsible for performing a comprehensive review and analysis of mortgage loan files to make informed lending decisions. This role primarily focuses on conventional ...

Moder Solutions

Underwriter

The Conventional Underwriter is responsible for performing a comprehensive review and analysis of mortgage loan files to make informed lending decisions. This role primarily focuses on conventional ...

American Mortgage Network

UNDERWRITER III

Phoenix, AZ · On-site

American Mortgage Network is seeking a seasoned Senior Mortgage underwriter with 5 years of experience underwriting Conventional, FHA and VA loans. American Mortgage Network is a 100% employee owned ...

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Conventional Underwriter information

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How much do conventional underwriter jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for conventional underwriter in the United States is $37.82, according to ZipRecruiter salary data. Most workers in this role earn between $36.78 and $38.94 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Conventional Underwriter, and why are they important?

To thrive as a Conventional Underwriter, you need a solid understanding of mortgage lending guidelines, risk assessment, and financial analysis, typically supported by a background in finance or relevant certifications like DE or SAR. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS) such as DU and LP, and proficiency in spreadsheet software are commonly required. Attention to detail, strong decision-making, and effective communication are essential soft skills for evaluating complex loan files and collaborating with loan officers. These abilities ensure accurate risk assessment, regulatory compliance, and timely processing of loan applications, which are critical for successful mortgage operations.

What is the difference between Conventional Underwriter vs FHA Underwriter?

AspectConventional UnderwriterFHA Underwriter
CertificationsTypically requires mortgage underwriting certificationsSame certifications often required
Work EnvironmentWorks for banks, lenders, and mortgage companiesWorks for FHA-approved lenders and agencies
Industry UsageCommon in private mortgage lendingSpecific to FHA loan programs
Loan TypesConventional loans, conforming loansFHA loans, government-backed loans

While both Conventional Underwriters and FHA Underwriters assess mortgage applications, they specialize in different loan types and work within different lending frameworks. Conventional Underwriters handle private, conforming loans, whereas FHA Underwriters focus on government-backed FHA loans. Understanding these differences helps borrowers and lenders navigate the mortgage process effectively.

What are some common challenges faced by Conventional Underwriters and how can they be managed effectively?

Conventional Underwriters often face challenges such as evaluating complex borrower profiles, keeping up with evolving lending regulations, and managing tight turnaround times for loan approvals. To manage these effectively, it's important to stay updated on current guidelines from agencies like Fannie Mae and Freddie Mac, utilize automated underwriting systems efficiently, and maintain clear communication with loan officers and processors. Building strong analytical skills and being detail-oriented can also help underwriters make informed, compliant decisions while meeting productivity goals.

What is a Conventional Underwriter?

A Conventional Underwriter is a financial professional who evaluates and approves or denies loan applications, specifically for conventional (non-government-backed) mortgage loans. Their main responsibilities include reviewing borrowers' credit histories, incomes, assets, and property appraisals to ensure the loan meets the lender’s and investor’s guidelines. They play a crucial role in managing risk for lenders by ensuring loans are given to qualified applicants. Conventional Underwriters often work for banks, mortgage companies, or other lending institutions. They also ensure compliance with federal and state regulations during the loan approval process.
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Conventional Underwriter jobs near you
Infographic showing various Conventional Underwriter job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $78,666 per year, or $37.8 per hour.
Conventional Underwriter 3

Conventional Underwriter 3

Boutique Recruiting

Irvine, CA • Remote

Full-time

Posted 23 days ago

Job description

We are seeking a Conventional Underwriter to join a well established Mortgage/Financial services company. This is a 100% remote position. The ideal candidate will have 5+ years of experience, D.E./CHUMS ceritifcation and conventional and FHA experience. This company offers great benefits, high per file bonuses, annual bonuses and sign on bonuses! Apply now for consideration!


Qualification:

· Minimum 5 years conventional underwriting experience.

· Minimum 2 years FHA experience.

· D.E./Chums ID required.

· Ten or more years mortgage lending experience preferred.


Responsibilities include:


· Underwriting of FHA loans to county high balance loan limits.

· Complete understanding of FHA guidelines and comprehensive familiarity with FHA Connection.

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About Boutique Recruiting

Sourced by ZipRecruiter

We are a team with shared goals; mindfully placing candidates in the workforce to successfully fulfill their career ambitions while encouraging a sense of purpose and value. We have created a new kind of placement firm — one that values connection, personalization, commitment, impact, boldness and achievement. At Boutique Recruiting, our clients, candidates and employees are at the heart of our success.

Industry

Recruiting and staffing services

Company size

51 - 200 Employees

Headquarters location

San Diego, CA, US

Year founded

2014

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