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Lock Desk Jobs (NOW HIRING)

About this opportunity The Lock Desk Specialist is responsible for managing the daily interest rate lock process for all mortgage loan channels (e.g., Retail, Correspondent, Wholesale). This role ...

Lock Desk Analyst

Irvine, CA · On-site +1

$24 - $29/hr

As Lock Desk Analyst, your primary mission is to provide administrative and operational support to the trade desk and lock desk team. PRIMARY DUTIES & RESPONSIBILITIES: * Review and process all rate ...

As Lock Desk Analyst, your primary mission is to provide administrative and operational support to the trade desk and lock desk team. PRIMARY DUTIES & RESPONSIBILITIES: * Review and process all rate ...

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock, change, and extension requests while adhering to and enforcing rate lock policies. This position ...

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock, change, and extension requests while adhering to and enforcing rate lock policies. This position ...

Lock Desk Agent

Hildale, UT · On-site

$13.75 - $17.75/hr

Lock Desk Agent Location: Hildale, UT Job Type: Full-time Company: Village Capital & Investment LLC Introduction: Village Capital is a well-established mortgage company committed to delivering a ...

Lock Desk Agent

Hildale, UT · On-site

$13.75 - $17.75/hr

Lock Desk Agent Location: Hildale, UT Job Type: Full-time Company: Village Capital & Investment LLC Introduction: Village Capital is a well-established mortgage company committed to delivering a ...

Lock Desk Agent

Hildale, UT · On-site

$13.75 - $17.75/hr

Lock Desk AgentLocation: Hildale, UTJob Type: Full-timeCompany: Village Capital & Investment LLCIntroduction:Village Capital is a well-established mortgage company committed to delivering a quick ...

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock, change, and extension requests while adhering to and enforcing rate lock policies. This position ...

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock, change, and extension requests while adhering to and enforcing rate lock policies. This position ...

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Capital Markets Analyst - Lock Desk Lake Forest, CA | 100% In-Office $65,000-$85,000 DOE We are seeking a Capital Markets Analyst - Lock Desk to support our Capital Markets and Secondary Marketing ...

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The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock, change, and extension requests while adhering to and enforcing rate lock policies. This position ...

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock, change, and extension requests while adhering to and enforcing rate lock policies. This position ...

A Lock Desk & Pricing Analyst is responsible for Lock Desk management and sales support. Supporting the Hedge & Pricing Analyst with Optimal Blue configuration and loan sales, and report development ...

Lock Desk Agent

Hildale, UT · On-site

$13.75 - $17.75/hr

Lock Desk Agent Location: Hildale, UT Job Type: Full-time Company: Village Capital & Investment LLC Introduction: Village Capital is a well-established mortgage company committed to delivering a ...

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Lock Desk information

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How much do lock desk jobs pay per hour?

As of Aug 25, 2026, the average hourly pay for lock desk in the United States is $20.27, according to ZipRecruiter salary data. Most workers in this role earn between $14.66 and $23.80 per hour, depending on experience, location, and employer.

What is a lock desk?

A Lock Desk job involves managing interest rate locks for mortgage loans. Professionals in this role ensure that loan rates are accurately locked in based on market conditions and lender policies. They monitor rate expirations, process lock changes, and communicate with loan officers to confirm pricing and terms. Attention to detail and an understanding of mortgage lending are essential for this position.

What are the typical daily responsibilities of a lock desk specialist?

Lock Desk specialists are primarily responsible for managing and processing mortgage rate lock requests, updating pricing, and validating loan terms for accuracy. They regularly interact with loan officers, underwriters, and secondary marketing teams to clarify guidelines or resolve discrepancies. Daily tasks often include reviewing loan pipelines, ensuring compliance with pricing policies, and responding to inquiries regarding lock extensions or changes. The role requires high attention to detail and quick turnaround times to meet both internal deadlines and customer expectations. This position is key to ensuring smooth loan processing and maintaining client satisfaction in a fast-paced mortgage environment.

What are the key skills and qualifications needed to thrive in the lock desk position, and why are they important?

To thrive as a Lock Desk specialist, you need strong analytical skills, attention to detail, and knowledge of mortgage lending processes or secondary market operations. Familiarity with loan origination systems (LOS), pricing engines, and related mortgage software is highly valuable, along with experience in finance or banking and relevant industry certifications. Outstanding organizational skills, effective communication, and the ability to work efficiently under pressure are vital soft skills in this role. These competencies are crucial for ensuring rate lock accuracy, minimizing errors, and supporting seamless mortgage loan transactions.

What does a lock desk do?

A lock desk is responsible for managing and approving mortgage loan rate locks, ensuring that interest rates are secured for borrowers during the loan process. They review loan terms, coordinate with lenders and borrowers, and use specialized software to track lock periods and conditions. This role requires attention to detail and knowledge of mortgage guidelines and market conditions.
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Cities with the most Lock Desk job openings:

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What states have the most Lock Desk jobs?

States with the most job openings for Lock Desk jobs include:

Infographic showing various Lock Desk job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Remote job distribution, with an average salary of $42,162 per year, or $20.3 per hour.

LOCK DESK SPECIALIST

Sacramento, CA • On-site

American Pacific Mortgage
1 - 5K employees

$25 - $27/hr

Full-time

Re-posted 28 days ago


Job description

Job Title: Lock Desk Specialist

Hybrid Position/Roseville, CA



Essential Duties and Responsibilities:

  • This position works directly with branches, loan officers and loan processors by directing phone calls and emails to Lock Desk Specialists. Duties include but are not limited to:
  • Answer phone calls with questions from loan officer
  • Monitor lock desk email Inbox and assign emails to individual Lock Desk Specialists
  • Provide loan scenario pricing and respond to product eligibility questions quickly and accurately when needed
  • Maintain pricing/lock data within the company’s LOS system
  • Process locks, changes, relocks, and extension requests
  • Lock loans with investors
  • Provide support and answer questions regarding the rate lock process
  • Resolve and/or escalate complex loan scenarios to appropriate resources
  • Troubleshoot pricing discrepancies and take steps to resolve any issues
  • Maintain general mortgage compliance knowledge and complete annual recertification of training
  • Other miscellaneous tasks as needed and assigned by the Secondary Marketing

Qualifications/Requirements:


  • Secondary Marketing/Lock Desk experience in the mortgage industry a plus
  • Optimal Blue and Encompass experience is a plus
  • Must be able to effectively and positively communicate with branch offices, investors and co-workers
  • Effectively analyze and resolve problems at a functional level with branch offices, closing agents, underwriting, compliance and all other co-workers
  • Self-starter with the ability to complete a project from start to finish while needing little to no supervision
  • Utilize required software packages, including but not limited to: Encompass, Microsoft Word, Microsoft Excel, Adobe Acrobat


‘American Pacific Mortgage Corporation is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.’

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