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Lock Desk Analyst I 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 ...

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 ...

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

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 ...

4pconsultinginc

Help Desk / Service Desk Analyst I

Atlanta, GA · On-site

$19.75 - $27/hr

Help Desk / Service Desk Analyst I Location: 241 Ralph McGill Blvd , Atlanta, GA 30308 Duration: 6 Months Client: Georgia Power Position Overview We are seeking a motivated Help Desk / Service Desk ...

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 I information

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$14

$24

$35

How much do lock desk analyst i jobs pay per hour?

As of Sep 8, 2026, the average hourly pay for lock desk analyst i in the United States is $24.09, according to ZipRecruiter salary data. Most workers in this role earn between $19.71 and $26.92 per hour, depending on experience, location, and employer.

What does a Lock Desk Analyst I do?

A Lock Desk Analyst I is responsible for managing and processing mortgage rate lock requests submitted by loan officers or brokers. They ensure that mortgage rates and terms are accurately locked in according to company policies and investor guidelines. Their duties include verifying lock information, maintaining detailed records, and communicating with internal and external stakeholders about lock status, extensions, and changes. They play a critical role in ensuring timely and accurate rate locks, which impact both the customer experience and the financial stability of a mortgage lender.

What are the key skills and qualifications needed to thrive as a Lock Desk Analyst I, and why are they important?

To thrive as a Lock Desk Analyst I, you need a solid understanding of mortgage processes, loan products, and secondary market guidelines, typically supported by a background in finance or banking. Familiarity with loan origination systems (LOS), pricing engines, and mortgage pipeline management tools is essential. Attention to detail, strong analytical skills, and effective communication are standout soft skills for this role. These abilities ensure accurate rate lock management, minimize risk, and support smooth loan processing in a fast-paced mortgage environment.

What are some typical challenges a Lock Desk Analyst I might encounter in their role?

Lock Desk Analyst I professionals often face challenges related to managing high volumes of rate lock requests with tight deadlines. They must maintain strong attention to detail to ensure data accuracy and compliance with lending guidelines, as errors can impact loan pricing or processing. Additionally, effective communication with loan officers and underwriters is crucial, as analysts frequently address questions and resolve discrepancies under time pressure. Adapting to frequent policy updates and utilizing specialized loan origination software are also common aspects of the role.

What is the difference between Lock Desk Analyst I vs Loan Processor?

AspectLock Desk Analyst ILoan Processor
CredentialsTypically requires a high school diploma or equivalent; some roles prefer mortgage or finance certificationsHigh school diploma or equivalent; some roles benefit from mortgage or financial certifications
Work EnvironmentMortgage lending departments, financial institutions, or mortgage brokersMortgage companies, banks, or credit unions processing loan applications
Primary ResponsibilitiesManaging interest rate locks, monitoring lock periods, and communicating with lenders and borrowersGathering borrower information, verifying documents, and preparing loan files for approval

The main difference is that Lock Desk Analyst I focuses on managing interest rate locks and monitoring lock periods, while Loan Processors handle the overall loan application process. Both roles are essential in mortgage lending but serve different functions within the loan lifecycle.

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Lock Desk Analyst I jobs near you
Infographic showing various Lock Desk Analyst I job openings in the United States as of September 2026, with employment types broken down into 77% Full Time, 20% Part Time, 1% Temporary, and 2% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $50,106 per year, or $24.1 per hour.

Lock Desk Analyst

Strasburg, OH • On-site

Panorama Mortgage Group LLC
Finance and Insurance • 501 - 1,000 employees
Learn more about Panorama Mortgage Group LLCexternal

Full-time

Posted 9 days ago

Job 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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