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De Underwriter Jobs (NOW HIRING)

Sun West Mortgage-Since 1980

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DE and VA Underwriter- Remote

Cerritos, CA · Remote

$110K - $150K/yr

We are seeking a seasoned DE and VA Underwriter to join our growing team. This individual will be responsible for making high-stakes, independent credit decisions that directly impact $20-$30 million ...

Bethpage

First Mortgage Underwriter

Bethpage, NY · On-site

$40.42 - $48.50/hr

FHA Direct Endorsement (DE) Underwriter Certification and VA (SAR) are required. The estimated salary for this role is $40.42 - $48.50 per hour. (FourLeaf Federal Credit Union offers a comprehensive ...

Rapid Mortgage

Mortgage Underwriter - DE/SAR

DE/SAR Mortgage Underwriter Location: Remote Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence Rapid Mortgage Company is a nationally recognized lender known for speed, service ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

Description Position Summary Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you're a detail-oriented professional with at least 3 years of ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

$70K - $80K/yr

Description Position Summary Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you're a detail-oriented professional with at least 3 years of ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

$70K - $80K/yr

Description Position Summary Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you're a detail-oriented professional with at least 3 years of ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

Minimum of 2 years' DE Underwriting experience with conventional and FHA loans ; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

Minimum of 2 years' DE Underwriting experience with conventional and FHA loans ; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage ...

Equity Resources Inc

Mortgage Underwriter

Newark, OH · On-site

Minimum of 2 years' DE Underwriting experience with conventional and FHA loans ; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage ...

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De Underwriter information

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$32.5K

$78.9K

$139.5K

How much do de underwriter jobs pay per year?

As of Jul 25, 2026, the average yearly pay for de underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are DE Underwriters?

DE Underwriters, or Direct Endorsement Underwriters, are mortgage professionals authorized by the U.S. Department of Housing and Urban Development (HUD) to review and approve FHA-insured loans. They are responsible for ensuring loan files meet all FHA guidelines, evaluating borrower qualifications, and assessing property eligibility. DE Underwriters have the authority to approve or deny loans without further HUD review, making their role critical in the FHA lending process. Their expertise helps protect lenders and borrowers by ensuring compliance and reducing risk.

What is the difference between De Underwriter vs Insurance Underwriter?

AspectDe UnderwriterInsurance Underwriter
CredentialsTypically requires a relevant degree and industry certificationsRequires similar credentials, often including certifications like CPCU or ARM
Work EnvironmentWorks primarily in insurance companies or underwriting firmsWorks in insurance companies, brokers, or underwriting agencies
Job FocusEvaluates and approves insurance applications, assesses riskAssesses risk and determines policy terms for insurance applications

De Underwriters and Insurance Underwriters share similar roles in evaluating insurance applications and assessing risk. Both require relevant industry certifications and work within insurance companies or agencies. The main difference lies in terminology and regional usage, but their responsibilities and work environments are largely aligned.

What are some common challenges DE Underwriters face when reviewing complex mortgage applications?

DE Underwriters frequently encounter challenges such as assessing non-traditional income sources, evaluating unique property types, and ensuring compliance with ever-changing FHA guidelines. Balancing thorough risk assessment with timely decision-making is also a key aspect of the role. Collaborating closely with loan officers, processors, and compliance teams helps address these complexities while maintaining loan quality and customer satisfaction.

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

To thrive as a DE Underwriter, you need deep knowledge of FHA guidelines, mortgage underwriting experience, and a valid Direct Endorsement (DE) certification. Expertise in using loan origination systems and automated underwriting tools like DU or LP is typically required. Attention to detail, analytical thinking, and strong communication skills set top performers apart in this role. These competencies are crucial to ensure compliant lending decisions, minimize risk, and facilitate smooth mortgage processing.
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De Underwriter jobs near you
Infographic showing various De Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 77% Full Time, 17% Part Time, 1% Temporary, and 4% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Mortgage DE Underwriter

Mortgage DE Underwriter

MIDLAND FEDERAL SAVINGS AND LOAN ASSOCIATION

Bridgeview, IL • On-site, Remote

$75K - $90K/yr

Full-time

Medical, Dental, Vision

Posted 25 days ago

Job description

**Job Title: Mortgage DE Underwriter**

**Job Description:**

Are you an experienced mortgage professional with a keen eye for detail and a passion for ensuring quality and compliance? We are seeking a diligent Mortgage DE Underwriter to join our dynamic team. As a Mortgage DE Underwriter, you will play a crucial role in evaluating and approving loan applications, ensuring that all documentation is accurate, complete, and meets the established guidelines.

**Responsibilities:**

- Review and evaluate mortgage loan applications to ensure they meet company and FHA/HUD guidelines.
- Analyze borrower profiles, credit histories, income documentation, and appraisals to determine risk and eligibility.
- Communicate and collaborate with loan officers, processors, and clients to resolve any issues or obtain necessary documentation.
- Approve or decline applications based on a thorough analysis and company policies.
- Stay updated with industry regulations, changes, and trends to ensure compliance and efficient underwriting practices.
- Provide clear and concise explanation to support underwriting decisions and recommendations.
- Assist in training and mentoring junior underwriters to ensure consistent and high-quality underwriting processes.

**Qualifications:**

- DE Underwriter Certification is required.
- Minimum of 3-5 years of experience in mortgage underwriting.
- Strong knowledge of FHA, VA, and conventional loan programs and guidelines.
- Excellent analytical skills with the ability to interpret complex data.
- Strong attention to detail and organizational skills to manage multiple files and deadlines.
- Proficient in mortgage processing and underwriting software; experience with automated underwriting systems is a plus.
- Effective communication skills, both verbal and written, with the ability to work collaboratively in a team environment.

**Benefits:**

- Competitive salary and performance-based incentives.
- Comprehensive benefits package, including health, dental, and vision insurance.
- Opportunities for professional development and career advancement.
- A supportive and inclusive work environment where your contributions are valued.
- Flexible work schedule and potential for remote work options.

Join our team and contribute to our mission of helping families achieve their dream of homeownership while ensuring the integrity and quality of our lending process. Apply today to be a part of our success!