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Lock Desk Analyst Jobs (NOW HIRING)

Crosscountrymortgage

Lock Desk Analyst

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 ...

CrossCountry Mortgage

Lock Desk Analyst

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 ...

Crosscountrymortgage

Lock Desk Analyst

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 ...

CrossCountry Mortgage

Lock Desk Analyst

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 ...

Crosscountrymortgage

Lock Desk Analyst

Cleveland, OH · On-site

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 ...

Crosscountrymortgage

Lock Desk Analyst

Cleveland, OH · On-site

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 ...

Risewell Homes

Lock Desk & Pricing Analyst

Englewood, CO · On-site

$62K - $72K/yr

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 ...

AD Mortgage

Lock Desk Specialist

Troy, MI · On-site

About this opportunity The Lock Desk Specialist is responsible for managing the daily interest rate ... Analytical Skills : Excellent attention to detail, strong organizational skills, and the ability to ...

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Lock Desk Analyst information

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$31K

$73.3K

$130K

How much do lock desk analyst jobs pay per year?

As of Sep 5, 2026, the average yearly pay for lock desk analyst in the United States is $73,261.00, according to ZipRecruiter salary data. Most workers in this role earn between $52,500.00 and $87,000.00 per year, depending on experience, location, and employer.

What is a lock desk analyst?

A Lock Desk Analyst is responsible for managing mortgage rate lock requests, ensuring accurate and timely processing of loan pricing, and mitigating financial risks for lenders. They review loan applications, confirm pricing guidelines, and communicate with loan officers and secondary market teams. Their role requires attention to detail, knowledge of mortgage lending practices, and the ability to analyze market trends to assist in securing the best loan terms for borrowers while protecting the company's financial interests.

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

A Lock Desk Analyst is primarily responsible for managing rate lock requests, updating pricing, and ensuring compliance with internal and investor guidelines throughout the loan process. Daily tasks include reviewing incoming lock requests, communicating with loan officers about lock status or extension options, and monitoring market movements to adjust rate sheets as needed. The role often involves close collaboration with the secondary marketing team, processors, and underwriters to resolve any lock discrepancies. Staying organized and maintaining accurate records are essential to ensure timely and error-free processing, making attention to detail and clear communication vital in this position.

What are the key skills and qualifications needed to thrive as a lock desk analyst?

To thrive as a Lock Desk Analyst, you need a solid understanding of mortgage lending processes, attention to detail, and analytical skills, usually supported by experience or education in finance or banking. Familiarity with loan origination systems (LOS), pricing engines, and Excel is often required, and knowledge of secondary market guidelines is beneficial. Strong organization, effective communication, and the ability to work accurately under pressure help candidates excel in this role. These skills are critical for efficiently managing rate locks, ensuring compliance, and supporting smooth loan processing in a fast-paced environment.

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Lock Desk Analyst jobs near you
Infographic showing various Lock Desk Analyst job openings in the United States as of August 2026, with employment types broken down into 82% Full Time, 17% Part Time, and 1% Contract. Highlights an 88% Physical, 1% Hybrid, and 11% Remote job distribution, with an average salary of $73,261 per year, or $35.2 per hour.

Lock Desk Analyst

Panorama Mortgage Group LLC

Strasburg, OH • On-site

Full-time

Posted 7 days ago

Job description

Description

This is an entry level position with the Lock Desk Division. Lock Desk Analysts provide specialized analytical support to Loan Officers in the management of their rate lock process for residential mortgages on the secondary mortgage market. Analysts are responsible for reviewing and verifying lock requests, committing loans to investors, distributing confirmations, entering data accurately and efficiently in multiple loan origination systems, pricing loan scenarios in multiple products and pricing engines, and for routinely identifying issues, compiling and analyzing data and creating reports. 

Key Responsibilities: 

  • Validate and confirm lock requests from Loan Originators. 
  • Respond to customer queries regarding pricing, lock rates, and programs. 
  • Assure the validity/integrity of the rate lock request. 
  • Commit loans to aggregators and agencies. 
  • Take out commitments for delivery of loans to an end investor. 
  • Assist with the funding and delivery of committed loans to end investor. 
  • Take directions from Lock Desk Manager for current MBS market conditions and to issue re-priced rate sheets and lock/unlock loans accordingly. 
  • Manage database to ensure accurate information is being reported. 
  • Validate and reconcile loans purchased from investors. 
  • Able to comply with the policies and procedures outlined in the Company Handbook  
  • Perform other duties as assigned.

Requirements

  • High School Diploma required; bachelor's degree preferred 
  • 0-2 years of related experience 
  • Encompass experience preferred 
  • Working knowledge of Microsoft Office products 
  • Proficient in data entry and management 
  • Mortgage lending experience required; preferred in insuring government FHA, VA loans 
  • Understanding of mortgage loan documents (i.e. HUD-1, Form 1009, 92900A, Appraisals, Compliance Inspection Reports, HECM Counseling Certificate, GFE, Title Policies, Homeowner Insurance Policies, etc.) 
  • Working knowledge of Microsoft Office, e.g. Excel, Word, and Outlook (required) 

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