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$31K

$73.3K

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How much do lock desk analyst jobs pay per year?

As of Jun 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 the highest paying job in the mortgage industry?

In the mortgage industry, senior roles such as Mortgage Vice Presidents, Chief Underwriters, or Regional Managers tend to have the highest salaries. These positions often require extensive experience, leadership skills, and industry knowledge, and they can earn six-figure incomes. Compensation varies based on company size, location, and individual performance.

What are some typical daily responsibilities for 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 job?

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 in the Lock Desk Analyst position, and why are they important?

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
Secondary Marketing Analyst II

Secondary Marketing Analyst II

First Federal Bank

Jacksonville, FL

Full-time

Medical, Life, Retirement, PTO

Posted 2 days ago

Job description

At First Federal Bank, core values speak to the heart of an organization and are the essence of a company’s identity. Everything we do is centered around our community, customer service, our stability, and being trustworthy. These values support our mission and vision, shape our culture, and provide a foundation for the future.

Offering a dynamic benefit package that includes but is not limited to:

  • Four Medical Plan Offerings to choose from
  • Employer HSA Contributions (Coverage/Plan exclusions)
  • Employer Provided Life Insurance Policy
  • Annual Health Incentive
  • Annual Wellness Reimbursement
  • Tuition Reimbursement program
  • Generous Match 401k Retirement Plan
  • Paid Sick Leave
  • Paid Vacation Leave
  • 11 Paid Holidays Based on the Federal Reserve Calendar

If you are ready to take on a challenging and rewarding role; we invite you to apply for this exciting opportunity.

JOB PURPOSE:

Performs functions required to price, commit and record a residential loan in a timely and accurate fashion.  Provides support for the Residential Production channels by creating daily rate sheets for the Bank and keeping accurate lock and pricing information on Loan Origination System.  Testing of new software updates for proper lock desk functions prior to release to retail Production environment.  Work with software developers to resolve functionality and improve performance as it relates to lock actions.  Additional projects and assignments may also be required from time to time.

ESSENTIAL FUNCTIONS:

  • Performs all necessary functions to price and record a loan as an earning asset for the Bank.
  • Includes committing loans to investor contracts and timely and accurate data entry of those contracts into the tracking and LOS system.  
  • Validates that all initial lock pricing is accurate and the timely reporting of those locks to our third party hedge provider, Compass Analytics.  
  • Reviews and performs any change requests made by other department for the loan data within this system and reviews those changes for pricing effects. 
  • Ensure software applications meet business requirements and suggest enhancements to improve ease of use and reliability.  
  • Maintain exception reports for any pricing discrepancies and waivers from multiple business channels for monthly Residential and Board reporting.  
  • Employee’s role may include training the Lock Desk personal to provide rate sheets and cover lock desk functions as needed across different LOS platforms and support systems.  
  • Cross sell products whenever possible.  
  • Provides the best service to our customers with innovative and creative solutions.

JOB REQUIREMENTS:

  • Position requires at least 5 years prior experience with automation of complex data transfers, Microsoft office automation, in a banking, mortgage production firm or similar residential mortgage specific environment.  
  • Excellent written and verbal communication skill is required.  
  • Advanced computer skills are required and Excel spreadsheet creation is expected in presentable, business format.  
  • FFBF lock desk is available until 6:00PM ET, so later work hours will be assigned on a rotating basis.  
  • Ability to deal with time constraints and strong attention to detail required.  
  • Periodic travel and periodic scheduled office time in Lake City for training and backup purposes may be required.  
  • Extended hours sitting and performing computer tasks are expected from employee with high degree of accuracy.  
  • Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank.

Bilingual candidates encouraged to apply

Equal Opportunity Employer / Vet / Disability

E - Verify Employer

Employment Type: FULL_TIME

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