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Independent Contractor Loan Processor Jobs in Raleigh, NC

NC SECU

Mortgage Loan Specialist

Raleigh, NC

Receive and assist in the completion of real estate loan applications, while serving as the primary point of contact for applicants during the origination process. * Independently assess and ...

WCPSS

Business Processing Technician

Cary, NC · On-site

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

WCPSS

Business Processing Technician

Cary, NC · On-site

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

WCPSS

Business Processing Technician

Cary, NC · On-site

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

WCPSS

Business Processing Technician

Cary, NC · On-site

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

WCPSS

Business Processing Technician

Cary, NC · On-site

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

WCPSS

Business Processing Technician

Cary, NC

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

WCPSS

Business Processing Technician

Cary, NC · On-site

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

WCPSS

Business Processing Technician

Cary, NC · On-site

Ability to work independently, complete tasks, and exercise independent judgement in the absence of ... Processes payroll for Transportation staff and ensures accuracy for time sheets and leave request ...

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All JobsIndependent Contractor Loan Processor JobsIndependent Contractor Loan Processor Jobs in Raleigh, NC

Independent Contractor Loan Processor information

See Raleigh, NC salary details

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How much do independent contractor loan processor jobs pay per hour?

As of Sep 1, 2026, the average hourly pay for independent contractor loan processor in Raleigh, NC is $20.71, according to ZipRecruiter salary data. Most workers in this role earn between $17.50 and $23.37 per hour, depending on experience, location, and employer.

What is an independent contractor loan processor?

Independent Contractor Loan Processors are professionals who work on a contract basis to handle and process mortgage loan applications for lenders, brokers, or real estate companies. Unlike in-house loan processors, they are not direct employees but operate as self-employed individuals or through their own businesses. Their responsibilities include verifying loan documents, communicating with borrowers, and ensuring that all required paperwork is completed accurately and on time. This role offers flexibility and the ability to work with multiple clients, but it also requires strong organizational skills and industry knowledge. Many independent contractor loan processors work remotely and manage their own schedules.

What are the key skills and qualifications needed to thrive as an independent contractor loan processor?

To thrive as an Independent Contractor Loan Processor, you need a strong understanding of loan processing procedures, mortgage regulations, and documentation requirements, often backed by experience in loan origination or processing. Familiarity with loan origination systems (LOS), document management software, and industry certifications such as NMLS are highly valuable. Exceptional attention to detail, time management, and effective communication with lenders, borrowers, and underwriters set top performers apart. These skills ensure accuracy, compliance, and efficiency in processing loans, leading to successful and timely loan closings.

What are some common challenges faced by independent contractor loan processors, and how can they be addressed?

Independent contractor loan processors often face challenges such as fluctuating workloads, maintaining consistent communication with multiple lenders, and ensuring compliance with varying guidelines. To address these, it's important to develop strong organizational skills, stay updated with industry regulations, and use reliable project management tools. Building strong relationships with loan officers, underwriters, and clients can also help streamline processes and reduce misunderstandings. Regularly attending industry webinars and networking can keep you informed about best practices and changes in loan processing requirements.

What is the difference between Independent Contractor Loan Processor vs W-2 Loan Processor?

AspectIndependent Contractor Loan ProcessorW-2 Loan Processor
CredentialsTypically requires industry certifications, loan processing experienceSame certifications often required, with employer-provided training
Work EnvironmentFreelance or self-employed, remote or flexible locationsEmployed by a company, usually in an office setting
Employer & Industry UsageHired directly by clients or through agencies, common in mortgage industryEmployed by banks or mortgage companies, industry standard

In summary, Independent Contractor Loan Processors work independently, often remotely, and handle projects on a freelance basis, while W-2 Loan Processors are employed full-time by lenders or banks. Both roles require similar skills and certifications but differ mainly in employment status and work setup.

Can I work remotely as an independent contractor loan processor?

Yes, many independent contractor loan processors work remotely, utilizing digital tools and communication platforms to review documents, communicate with clients, and process loans. Remote work arrangements depend on the employer or client requirements and the contractor's ability to meet security and compliance standards.

How much do entry level independent contractor loan processors make?

Entry-level independent contractor loan processors typically earn between $15 and $25 per hour, depending on experience, location, and the complexity of the loans processed. Compensation may also include project-based or commission components, especially for remote or freelance roles requiring proficiency with loan processing software and documentation standards.

What are the most commonly searched types of Loan Processor jobs in Raleigh, NC?

The most popular types of Loan Processor jobs in Raleigh, NC are:

What are popular job titles related to Independent Contractor Loan Processor jobs in Raleigh, NC?

For Independent Contractor Loan Processor jobs in Raleigh, NC, the most frequently searched job titles are:

What job categories do people searching Independent Contractor Loan Processor jobs in Raleigh, NC look for?

The top searched job categories for Independent Contractor Loan Processor jobs in Raleigh, NC are:

What cities near Raleigh, NC are hiring for Independent Contractor Loan Processor jobs?

Cities near Raleigh, NC with the most Independent Contractor Loan Processor job openings:

Independent Contractor Loan Processor jobs near you
Infographic showing various Independent Contractor Loan Processor job openings in Raleigh, NC as of July 2026, with employment types broken down into 1% As Needed, 75% Full Time, 16% Part Time, and 8% Contract. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $43,069 per year, or $20.7 per hour.

Mortgage Loan Specialist

State Employees' Credit Union

Raleigh, NC • On-site

Full-time

Posted 14 days ago

State Employees' Credit Union (North Carolina) rating

8.2

Company rating: 8.2 out of 10

Based on 23 frontline employees who took The Breakroom Quiz

Job description

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
Purpose
Experienced Mortgage Loan Specialist responsible for the full real estate loan process across all delivery channels. MLSs should have a solid understanding of the entire real estate loan cycle and servicing functions. Actively identifies, develops, and maintains a source of referrals from realtors, builders, Credit Union colleagues and the community for new mortgage lending opportunities.
Duties
  • Receive and assist in the completion of real estate loan applications, while serving as the primary point of contact for applicants during the origination process.
  • Independently assess and underwrite real estate loan applications including but not limited to applicant(s) credit worthiness, ability to repay, collateral valuation, and organizational risk with the ability/authority to extend credit or deny for real estate loan products within assigned tiered approval lending limits. Communicate approval or denial decisions to members in a clear and professional manner.
  • Evaluate and verify income documentation, including personal and business tax returns, to make informed approval or denial decisions.
  • Counsel potential home buyers and existing homeowners, while taking complete and accurate real estate loan related applications and obtaining required documentation to facilitate initial loan approval with assistance when needed.
  • Seek guidance for complex lending situations and approval authority from a Sr MLS or above.
  • Proactively stay updated on market trends, interest rates, and changes in lending policies and regulations to provide members with accurate and timely information.
  • Assist membership with servicing of existing mortgage and home equity loans.
  • Collaborate with RELO VP/SVP on training and loan approvals.
  • Follow up with prequalified applicants and on other leads in a timely and effective manner.
  • Price and disclose loan applications by determining the interest rates and fees associated with a loan, based on factors such as borrower's creditworthiness, loan amount, term, and market conditions.
  • Coordinate member engagement with the Real Estate Lending Processing Center within Loan Administration and assist members with real estate loan closings.
  • Maintain a comprehensive knowledge of all real estate lending products, policies, procedures, and regulatory compliance.
  • Educate members on available services and make referrals for other Credit Union products and services based on their needs.
  • Ensure well documented, easy to review loan application history notes within the Loan Origination System.
  • Work with Lending Contact Center to provide assistance with mortgage lending calls when needed.
  • Support branch employees with all real estate related needs and ensuring employees have the information needed to be comfortable referring all potential applicants to discuss mortgage lending opportunities.

Work various contact and follow-up reports to cultivate member engagement throughout the home buying process and make SECU their lender of choice
  • Assist as needed with community engagement by meeting with realtors and other third parties as well as attending community events to build and maintain mortgage loan volume.
  • Work with lending contact center to provide assistance with mortgage lending calls when needed.
  • Consumer unsecured lending as assigned.
  • Answer phone and perform other clerical duties as needed.

Complete additional tasks assigned by management
Requirements
  • Must have high school diploma or GED equivalent.
    • Preferred - bachelor's degree, or CCUE Certification, or Associate of Arts degree or Associate of Science degree via the North Carolina Community College Transfer Program (NC-CTP).
  • Successful completion of Real Estate Lending (RELP) courses and subsequent exam is required before moving to this role.
  • Additional Modules Required:
    • Wires
    • Credit Cards
    • Estate Basics
    • Financial Advisory Services (FAS) Overview
    • Life Stages & Events
  • Has demonstrated proficiency in all aspects of the Associate MLS role.
  • Minimum of 2 years' mortgage lending experience strongly preferred.
  • Minimum tier 2 lending limits assigned.
  • Demonstrated proficiency at current lending approval authority.
  • Must possess the highest level of integrity and objectivity.
  • Must possess excellent communication skills, both verbal and written.
  • Must be able to communicate with SECU personnel, VPs, SVPs, attorneys, members, appraisers, realtors, etc.
  • Must have strong networking and relationship development skills.
  • Meets compliance and regulatory standards.
  • Makes lending decisions consistent with SECU loan policies.
  • Has or is eligible to be registered as an active MLO with the NMLS.
  • Must be organized and meticulous.
  • Must be willing to engage in ongoing training and professional development.
  • Must have basic computer skills with an ability to learn more complex software for processing of applications and completing loan servicing.
  • Has completed all required quarterly training courses & other training assigned by management.
  • Consistently demonstrates SECU's Core Values.
  • Recommendation of VP/SVP and RELO VP/SVP required for advancement to this level.
  • Must be able to speak and write English fluently.
  • Must understand and be dedicated to the Credit Union philosophy and work ethic.
  • Must adhere to the work schedule and attendance policies established by the Credit Union.
  • Must complete the Credit Union's Core Module Program within 12 months of hire date as a condition of employment.
  • Job Environment
  • Office setting with physical proximity to other employees and members.
  • Some background noise from other employees, copy machine, and telephone.
  • Some local travel may be required.
  • Physical Demands
  • Must be able to comprehend and carry out job requirements.
  • Job requires a substantial amount of sitting and computer usage.
  • Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
  • Use hands and fingers to press telephone keypad and lift telephone receiver.
  • Answer and operate a telephone.
  • Lift up to15 lbs.

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.

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