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Lock Desk Analyst Jobs in Texas (NOW HIRING)

SoFi

Lock Desk Analyst

Frisco, TX · On-site

The Lock Desk Specialist will be responsible for ensuring SoFi company policies and procedures related to rate locks are accurate and meet loan pricing compliance standards. This role requires ...

BSI Financial

Loan Technician

Irving, TX · On-site

$38K - $52K/yr

Information may be contractual, loan (rate term, loan type, interest rate lock, mortgage fee, etc ... Strong analytical skills and mathematical fluency * Excellent oral and written communication skills

BSI Financial Services

Loan Technician

Irving, TX · On-site

$36K - $50K/yr

Information may be contractual, loan (rate term, loan type, interest rate lock, mortgage fee, etc ... Strong analytical skills and mathematical fluency * Excellent oral and written communication skills

Midland County

System Support Specialist

Midland, TX

$62K/yr

Key responsibilities include installing, upgrading, analyzing, troubleshooting, and repairing ... Refer users to IT help desk when requests are out of provided job scope or unsupported. Participate ...

All JobsLock Desk Analyst JobsLock Desk Analyst Jobs in Texas

Lock Desk Analyst information

See Texas salary details

$28.9K

$68.3K

$121.1K

How much do lock desk analyst jobs pay per year?

As of Aug 9, 2026, the average yearly pay for lock desk analyst in Texas is $68,254.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,900.00 and $81,100.00 per year, depending on experience, location, and employer.

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 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 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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Infographic showing various Lock Desk Analyst job openings in Texas as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $68,254 per year, or $32.8 per hour.

Lock Desk Analyst

SoFi

Frisco, TX • On-site

Full-time

Re-posted 24 days ago

Job description

Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we're changing the way people think about and interact with personal finance.
We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role:
The Lock Desk Specialist will be responsible for ensuring SoFi company policies and procedures related to rate locks are accurate and meet loan pricing compliance standards. This role requires meticulous attention to detail, strong organizational skills, and the ability to work independently in a fast-paced environment. The ideal candidate will have experience in the mortgage industry, proficiency in relevant software, and the ability to serve as a critical point of contact for both internal teams and external stakeholders. This position follows a hybrid work model and requires in-office attendance 2 days per week.
What you'll do:
  • Enforce Lock Desk policy & procedures.
  • Assist the company's loan officers with rate lock maintenance, loan re-prices, and general Lock.
  • Monitor and track Best Effort rate locks with investors.
  • Confirm loan pricing accuracy and profitability.
  • Conduct systematic data entry for all interest rate lock requests and re-prices.
  • Act as the main point of contact for escalation scenarios.
  • Process Change of Circumstances, Loan Concessions, Lock Scrubs, and Lock Extensions.
  • Monitor various shared email in-boxes and perform work within SLA.
  • Act as a primary point of contact with the Loan Setup Client Experience Team to ensure loan terms are compliant.
  • Ensure the accuracy of fees; create a file structure for outbound disclosures.
  • Monitor robotics outcome reports and scrub loans that fail to queue back up for automation or work manually.
  • Coach, train, and educate teammates who are newly onboarded.

What you'll need:
  • A four-year college degree in Finance, Economics, or another related field is preferred
  • 2+ years in the mortgage industry preferred
  • 2 + years of Encompass experience
  • 2+ years of Optimal Blue experience
  • Microsoft Excel proficiency
  • General knowledge of financial markets
  • Knowledge of TRID guidelines
  • Ability to work quickly, accurately, and independently in a very fast-paced environment
  • Comfortable working under a high level of confidentiality
  • Detail-oriented and strong time management / organizational skills

Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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