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Hud Underwriter Jobs (NOW HIRING)

Walkerdunlop

HUD Underwriting Analyst

Franklin, TN · Hybrid

$65K - $75K/yr

HUD Underwriting We are Walker & Dunlop. We are one of the largest providers of capital to the commercial real estate industry, enabling real estate owners and operators to bring their visions of ...

Walkerdunlop

HUD Underwriting Analyst

Bethesda, MD · Hybrid

$65K - $75K/yr

HUD Underwriting We are Walker & Dunlop. We are one of the largest providers of capital to the commercial real estate industry, enabling real estate owners and operators to bring their visions of ...

Walkerdunlop

HUD Underwriting Analyst

Towson, MD · Hybrid

$65K - $75K/yr

HUD Underwriting We are Walker & Dunlop. We are one of the largest providers of capital to the commercial real estate industry, enabling real estate owners and operators to bring their visions of ...

Kings Mortgage Services

Underwriter

Santa Ana, CA

$85K - $95K/yr

Strong knowledge of HUD underwriting guidelines. * Excellent analytical skills with attention to detail to ensure accuracy in assessments. * Strong communication skills for effective collaboration ...

KeyBank

FHA Sr. Underwriter - LEAN

Cleveland, OH · On-site

$113K/yr

JOB BRIEF (PURPOSE) As an FHA Senior Underwriter - LEAN, you will lead the underwriting and ... Complete, review, and ensure accuracy of all required HUD-form documents for LEAN application ...

Keybank

FHA Sr. Underwriter - LEAN

Dallas, TX · On-site

$115K/yr

JOB BRIEF (PURPOSE)As an FHA Senior Underwriter - LEAN, you will lead the underwriting and ... Complete, review, and ensure accuracy of all required HUD-form documents for LEAN application ...

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All JobsHud Underwriter Jobs

Hud Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do hud underwriter jobs pay per year?

As of Jul 15, 2026, the average yearly pay for hud 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 is hud underwriting?

HUD underwriting involves evaluating mortgage loan applications to ensure they meet the standards set by the U.S. Department of Housing and Urban Development. As a HUD underwriter, you review borrower financials, property details, and compliance requirements to approve or deny loans, often using specialized software and adhering to federal guidelines.

Will AI replace underwriting?

AI is increasingly used in underwriting to automate data analysis and improve accuracy, but it is unlikely to fully replace human underwriters in the near future. Underwriters still rely on their judgment, industry knowledge, and decision-making skills to assess complex or nuanced cases. Many organizations combine AI tools with human oversight to enhance efficiency and risk assessment quality.

What are the typical challenges faced by a HUD Underwriter when evaluating loan applications?

HUD Underwriters often encounter challenges such as interpreting complex financial documentation, ensuring strict compliance with HUD and FHA guidelines, and balancing risk assessment with customer service. They must stay up-to-date with frequent changes in federal regulations and policy updates, which can add complexity to the underwriting process. Collaboration with loan officers, processors, and compliance teams is crucial to resolve discrepancies and facilitate timely loan approvals while maintaining accuracy and regulatory adherence.

What is the difference between Hud Underwriter vs Mortgage Underwriter?

AspectHud UnderwriterMortgage Underwriter
CertificationsHUD-specific training, general underwriting certificationsMortgage licensing, general underwriting certifications
Work EnvironmentGovernment agencies, HUD-approved lendersPrivate banks, mortgage companies
Industry UsagePrimarily in government-backed loan programsIn both private and government-backed loans
Job FocusEnsuring compliance with HUD guidelinesAssessing borrower risk and loan viability

Hud Underwriters primarily focus on evaluating loans that involve HUD programs, ensuring compliance with government standards. Mortgage Underwriters handle a broader range of private and government-backed loans, assessing borrower risk and loan eligibility. While both roles involve underwriting skills, Hud Underwriters specialize in HUD-specific criteria, whereas Mortgage Underwriters work across various lenders and loan types.

What are HUD underwriters?

HUD underwriters are professionals responsible for reviewing and evaluating loan applications for properties insured by the U.S. Department of Housing and Urban Development (HUD), primarily through the Federal Housing Administration (FHA) loan program. They assess borrowers' creditworthiness, ensure compliance with HUD guidelines, and determine if the property and borrower meet all eligibility requirements. HUD underwriters play a critical role in the mortgage approval process, helping to minimize risk for lenders and ensure that loans adhere to federal regulations.

What is the highest paid underwriter?

The highest paid underwriters are typically senior or specialized professionals such as senior mortgage or insurance underwriters, earning annual salaries that can exceed $100,000, especially with extensive experience or in high-cost regions. Compensation varies based on industry, location, and level of expertise, with some underwriters earning bonuses or profit-sharing as part of their package.

What qualifications do I need to be an underwriter?

Hud underwriters typically need a high school diploma or equivalent, with many employers preferring a bachelor's degree in finance, business, or a related field. Relevant skills include strong analytical abilities, attention to detail, and knowledge of mortgage and insurance policies; certifications such as the Mortgage Underwriter Certification (MUC) can also enhance job prospects.

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

To thrive as a HUD Underwriter, you need a strong understanding of mortgage underwriting, FHA/HUD guidelines, and risk assessment, typically supported by relevant experience or certification (such as DE certification). Proficiency with loan origination systems, automated underwriting tools, and HUD-specific software is essential for evaluating and processing loans. Attention to detail, analytical thinking, and effective communication are vital soft skills for identifying compliance issues and collaborating with loan officers. These skills ensure accurate loan approvals, regulatory compliance, and minimize financial risk for lenders.
More about Hud Underwriter jobs
What cities are hiring for Hud Underwriter jobs? Cities with the most Hud Underwriter job openings:
What states have the most Hud Underwriter jobs? States with the most job openings for Hud Underwriter jobs include:
What job categories do people searching Hud Underwriter jobs look for? The top searched job categories for Hud Underwriter jobs are:
Hud Underwriter jobs near you
Infographic showing various Hud Underwriter job openings in the United States as of July 2026, with employment types broken down into 89% Full Time, 8% Part Time, and 3% Contract. Highlights an 86% In-person, 3% Hybrid, and 11% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

HUD Underwriting Analyst

Walkerdunlop

Franklin, TN • Hybrid

$65K - $75K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 19 days ago

Job description

Department:

HUD Underwriting

We are Walker & Dunlop. We are one of the largest providers of capital to the commercial real estate industry, enabling real estate owners and operators to bring their visions of communities - where people live, work, shop, and play - to life. We are committed to creating meaningful social, environmental, and economic change in our communities.

Department Overview

OurFHA Finance expertswork with borrowers to obtain a HUD-insured loan on multifamily and senior housing properties. The department iscomprisedof production and underwriting staff. The production staff is in a sales role working with clients to originate loan opportunities. Once a loan is engaged, the underwriting staff works with the client to prepare an application to HUD andidentifystrengths and weaknesses of a loan, puttingappropriate mitigantsinto place. Once the application issubmitted, the W&D FHA Team works closely with HUD staff as they review the application, issue a commitment to insure andultimately closethe loan. W&D is the #2 overall HUD lender in FY 2022, and the #1 overall HUD construction loan lender.

The Impact You Will Have

As a HUD Underwriting Analyst, you will play a key role in supporting FHA loan transactions by coordinating documentation, ensuring compliance with HUD requirements, andfacilitatingcommunication across all parties involved in the loan process. Your work will directly contribute to the efficient execution and successful delivery of loan applications.

Primary Responsibilities

  • Coordinate the collection, review, and approval of all required documentation andexhibitsfor each FHA loan transaction

  • Meet regularly with internal and external stakeholders to review exhibit status, resolve issues, and escalate concerns as needed

  • Communicate with borrowers, correspondents, loan officers, underwriters, and third-party vendors to obtain and providetimelyinformation

  • Conduct file reviews to ensure all application exhibits meet program requirements and support underwriting and third-party needs

  • Collect and analyze borrower and principal information, including experience, qualifications, credit data, and financial statements

  • Identifypotential credit or financial risks and partner with underwriters to resolve issues

  • Assistin ordering, tracking, and reviewing third-party reports

  • Coordinate with third parties to provide required property and transaction information

  • Manage and reconcile transaction-related accounting and coordinate payment of third-party vendors

  • Assistin the preparation, assembly, and delivery of complete loan applications to HUD

  • MaintainaccurateHUD-required control files for each transaction

  • Ensure all deal information in Salesforce, Deal Manager, and Box is current and accurately reflects transaction status, documentation, communications, and outstanding issues

  • Adhere toestablishednaming conventions and file management protocols

  • Participate in training and professional development activities

  • Perform other duties as assigned

  • Attendance isgenerally requiredfrom 8:30 am - 5:30 pm local time, Tuesday through Thursday, with theoptionto work remotely on Mondays and Fridays

Education and Experience

  • Bachelor's degree or equivalent work experiencerequired

  • 1+ years of experience in accounting, finance, or a related field strongly preferred

  • Knowledge of commercial real estate finance preferred


Knowledge,Skillsand Abilities

  • Understanding of the FHA loan application process, including required documentation and loan exhibits

  • Familiarity with HUD guidelines, notices, and handbooks, and the ability to research requirements as needed

  • Strong analytical skills with the ability to evaluate data and draw sound conclusions

  • Excellent written and verbal communication skills

  • Strong time management skills and attention to detail

  • Ability to manage multiple priorities in a deadline-driven environment

  • Proficiencyin Microsoft Word and Excel

  • Ability to show ownership of your work, take on challenges and acknowledge growth opportunities, anddemonstratepatience when learning new processes

  • Courtesy, respect, and thoughtfulness in teaming with colleagues and other stakeholders

This position has an estimated base salary of $65,000 - $75,000 plus a discretionary bonus. An employment offer is based on the applicant's relevant work experience, applicable knowledge, skills, abilities, internal equity, and alignment with market data.

#LI-MJ1

#LI-Hybrid

What We Offer

  • The opportunity to join one of Fortune Magazine's Great Places to Work winners

  • Comprehensive benefit options* that have earned Walker & Dunlop the gold level of the 2025 Cigna Healthy Workforce Designation, some of which include:
    - Up to 83% subsidized medical payroll deductions
    - Competitive dental and vision benefits
    - 401(k) + match
    -Pre-tax transit and commuting benefits
    - A robust health and wellness program - earn cash rewards and gain access to resources that
    promote health, engagement, and balance
    -Paid maternity and parental leave, as well as other family paid leave programs
    -Company-paid life, short and long-term disability insurance
    -Health Savings Account and Healthcare and Dependent Care Flexible Spending

  • Career development opportunities

  • Empowerment and encouragement to give back - volunteer hours and donation matching


*Eligibility may vary based on average number of hours worked

Equal Employment Opportunity Statement

We are committed to equity in all steps of the recruitment and employment experience. We believe in equal access to opportunities in our workplace. We do not tolerate discrimination, including harassment, based on any characteristic protected by applicable law, such as race, color, national origin, religion, gender identity, sexual orientation, sex, age, disability, veteran or military status, and genetic information, or any other characteristic protected by applicable law. We strive to be a safe place to ask questions, build professional relationships, and develop careers.


SPAM
Please be wary of recruitment scams. An indication of a scam might be a request for sensitive or bank information at the time of application or emails coming from a non walkerdunlop.com email address. Please call us at 301.215.5500, if you have any concerns about information requested during or after the application process.


Fair Chance Hiring

Background checks, including any questions related to infractions, arrests, or conviction records, will not be conducted until after a conditional offer of employment has been accepted. We will consider for employment qualified applicants regardless of arrest and conviction records, in accordance with federal, state, and local laws.

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