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Lock Desk Jobs (NOW HIRING)

V.I.P. Mortgage Inc.

Lock Desk Specialist

Scottsdale, AZ · Remote

$28.84/hr

The Mortgage Lock Desk Specialist at V.I.P. Mortgage, Inc. is responsible for the accurate and timely processing of lock-related requests submitted by Loan Officers and TPO originators. This role is ...

V.I.P. Mortgage Inc.

Lock Desk Specialist

Scottsdale, AZ · On-site

$28.84/hr

The Mortgage Lock Desk Specialist at V.I.P. Mortgage, Inc. is responsible for the accurate and timely processing of lock-related requests submitted by Loan Officers and TPO originators. This role is ...

Huntington

Lock Desk Specialist

Detroit, MI · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Huntington

Lock Desk Specialist

Columbus, OH · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

AD Mortgage

Lock Desk Specialist

Troy, MI

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 ...

Huntington

Lock Desk Specialist

Tupelo, MS · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Huntington

Lock Desk Specialist

Detroit, MI · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Huntington

Lock Desk Specialist

Youngstown, OH · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Bayview Asset Management

LOCK DESK SPECIALIST

Denver, CO · On-site

$45K - $60K/yr

The Lock Desk Specialist will execute Bayview's pricing strategies. You will be required to follow all necessary policies and procedures and focus on driving Bayview's pricing strategies (locks, re ...

Huntington

Lock Desk Specialist

Columbus, OH · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Huntington

Lock Desk Specialist

Columbus, OH · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Huntington

Lock Desk Specialist

Dallas, TX · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Huntington

Lock Desk Specialist

Byron Center, MI · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

Bayview Asset Management

LOCK DESK SPECIALIST

Denver, CO · Hybrid

$45K - $60K/yr

The Lock Desk Specialist will execute Bayview's pricing strategies. You will be required to follow all necessary policies and procedures and focus on driving Bayview's pricing strategies (locks, re ...

Huntington

Lock Desk Specialist

Boardman, OH · Hybrid

A Lock Desk Specialist will review/process work items and re-price as applicable. S/he is accountable for achieving the pricing benchmark as established by management and will work with Capital ...

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Lock Desk information

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How much do lock desk jobs pay per hour?

As of Jun 14, 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 jobs pay $2000 a day?

In the context of a Lock Desk role, high daily earnings typically come from senior positions such as loan officers, mortgage brokers, or financial managers, especially those with extensive experience or commission-based pay structures. These roles often require specialized skills, certifications, and a strong understanding of financial markets or mortgage processes. Earning $2000 a day is uncommon for entry-level positions and usually involves high responsibility and performance-based compensation.

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 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 job makes $10,000 a month without a degree?

A Lock Desk specialist in the mortgage industry can earn around $10,000 a month with experience and strong organizational skills, often working in a fast-paced office environment. High earnings typically require expertise in loan processing, attention to detail, and familiarity with mortgage software, but a formal degree is not always necessary. Such roles may also involve certifications or on-the-job training to reach this income level.

What is a Lock Desk job?

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 jobs pay $400 an hour?

Jobs that can pay $400 an hour include specialized roles such as senior corporate attorneys, highly experienced consultants, certain medical specialists like surgeons, and top-tier executive positions. These roles typically require advanced skills, extensive experience, and often involve high levels of responsibility or expertise.

What is a lock desk job description?

A lock desk job involves managing and processing mortgage loan locks, which secure interest rates for borrowers during the loan approval process. The role requires attention to detail, knowledge of loan terms, and use of specialized software to track lock periods, communicate with lenders, and ensure compliance with lock policies.
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Lock Desk jobs near you
Infographic showing various Lock Desk job openings in the United States as of June 2026, with employment types broken down into 81% Full Time, 17% Part Time, 1% Temporary, and 1% Contract. Highlights an 95% Physical, and 5% Remote job distribution, with an average salary of $42,162 per year, or $20.3 per hour.
Lock Desk Specialist

Lock Desk Specialist

V.I.P. Mortgage Inc.

Scottsdale, AZ • Remote

$28.84/hr

Full-time

Posted 8 days ago

Job description

Summary:

The Mortgage Lock Desk Specialist at V.I.P. Mortgage, Inc. is responsible for the accurate and timely processing of lock-related requests submitted by Loan Officers and TPO originators. This role is execution-focused and volume-driven, with an emphasis on service levels, accuracy, and adherence to pricing and lock policies.

The Lock Desk Specialist plays a critical role in ensuring smooth loan origination workflows by processing tickets efficiently and consistently within established guidelines.

Essential Job Functions:

Lock Desk Operations

  • Process lock, extension, renegotiation, relock, and cancellation requests in Encompass
  • Review requests for completeness, accuracy, and compliance with pricing and lock policies
  • Utilize Optimal Blue to validate pricing, lock terms, and eligibility
  • Communicate clearly with Loan Officers, Account Executives, and Operations teams regarding lock status, corrections, or issues
  • Maintain service level standards for ticket turnaround times
  • Collaborate with Secondary team on loan-level data reconciliation
  • Assist with ad hoc projects and responsibilities as directed by Lock Desk Manager

Ticket & Workflow Management

  • Monitor lock desk queues and prioritize tickets based on urgency and established SLAs, generally within 1-2 hours of the request
  • Maintain responsibility for approximately 20–25% of total lock desk tickets, with a representative mix of both routine and complex requests
  • Ensure all lock actions are properly documented in Encompass
  • Escalate pricing discrepancies, system issues, or policy exceptions as appropriate
  • Assist in maintaining clean pipelines and minimizing rework or corrections

Quality & Compliance Support

  • Follow established lock desk policies, procedures, and controls
  • Assist with audits, post-lock reviews, and quality checks as requested
  • Identify recurring issues and communicate trends or concerns to management
  • Other duties as assigned by management

Qualifications:

  • High School diploma or GED, required.
  • 1–3 years of mortgage experience, preferably in Lock Desk, Secondary, or Operations
  • Working knowledge of mortgage rate locks, extensions, and pricing concepts
  • Experience using Encompass LOS and Optimal Blue
  • High attention to detail and accuracy
  • Strong time management and organizational skills
  • Ability to work efficiently in a high-volume, ticket-driven environment
  • Clear written and verbal communication skills

Work Environment:

  • Office Setting
  • Hybrid
  • Shift time of 9am-6pm PST

Physical Demands:

  • Dexterity of hands to operate a computer keyboard.
  • Reaching overhead above the shoulders and horizontally bending at the waist, climbing, kneeling, and stooping for installation of hardware and more.
  • Hearing and speaking to communicate and provide information to others.
  • Prolonged periods sitting at a desk and working on a computer.