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Lock Desk Specialist Jobs (NOW HIRING)

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 ...

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 ...

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 ...

United Wholesale Mortgage

Lock Specialist

Pontiac, MI · On-site

The Lock Desk Specialist would be required to cover a broad area of responsibilities within the Lock Desk Team, which includes completing lock desk functions based on requests from both internal and ...

United Wholesale Mortgage

Lock Specialist

Pontiac, MI · On-site

The Lock Desk Specialist would be required to cover a broad area of responsibilities within the Lock Desk Team, which includes completing lock desk functions based on requests from both internal and ...

Orion Lending

Be Seen First

Mortgage Lock Desk Specialist

Orange, CA · Remote

$25 - $29/hr

... lock · Other duties may be assigned. Preferred Qualifications and Experience · Strong mathematical/analytical skills. · Excellent written and verbal communication skills. · Excellent time ...

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 ...

Guild

Secondary Marketing Specialist I

San Diego, CA · On-site

$20.91 - $29.37/hr

Position Summary The Marketing Specialist plays an important role in the organization by performing ... Perform day-to-day lock desk responsibilities; actively monitoring loan terms, price, and rate and ...

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All JobsLock Desk Specialist Jobs

Lock Desk Specialist information

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$13

$25

$39

How much do lock desk specialist jobs pay per hour?

As of Jul 26, 2026, the average hourly pay for lock desk specialist in the United States is $25.31, according to ZipRecruiter salary data. Most workers in this role earn between $20.19 and $28.85 per hour, depending on experience, location, and employer.

What is the difference between Lock Desk Specialist vs Loan Processor?

AspectLock Desk SpecialistLoan Processor
Primary RoleManages loan lock agreements, monitors interest rate locks, and communicates with lenders and borrowers about lock status.Prepares, reviews, and processes loan documentation, verifying borrower information and ensuring compliance.
CredentialsTypically requires mortgage licensing, knowledge of loan products, and familiarity with lock management software.Requires mortgage licensing, credit analysis skills, and familiarity with loan documentation systems.
Work EnvironmentOffice-based, working closely with loan officers, underwriters, and lenders.Office-based, collaborating with underwriters, loan officers, and title companies.

While both roles are integral to the mortgage process, the Lock Desk Specialist focuses on managing interest rate locks and loan commitments, whereas the Loan Processor handles the preparation and verification of loan documents. Understanding these differences helps in choosing the right career path or job search focus.

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

To thrive as a Lock Desk Specialist, you need a strong understanding of mortgage processes, rate locking, and financial documentation, often supported by experience in mortgage lending or finance. Familiarity with loan origination systems (LOS), pricing engines, and compliance tools is typically required, along with attention to regulatory guidelines. Exceptional attention to detail, problem-solving abilities, and clear communication skills help ensure accuracy and effective coordination with loan officers and clients. These skills are crucial for minimizing errors, maintaining compliance, and delivering timely support in fast-paced mortgage operations.

What are some common challenges faced by Lock Desk Specialists, and how can they be successfully managed?

Lock Desk Specialists often encounter challenges such as managing a high volume of rate lock requests, ensuring compliance with changing investor guidelines, and maintaining accuracy under tight deadlines. Successfully navigating these challenges requires strong attention to detail, proactive communication with loan officers and underwriters, and staying updated on policy changes. Leveraging organizational tools and fostering collaborative relationships within the mortgage team can help streamline workflows and minimize errors.

What is a Lock Desk Specialist?

A Lock Desk Specialist is a professional who works within the mortgage industry, managing and processing interest rate lock requests for loans. They are responsible for ensuring that mortgage rates are accurately locked in according to lender guidelines, market conditions, and client requests. Lock Desk Specialists coordinate with loan officers, underwriters, and secondary marketing teams to make sure all rate lock policies are followed. Their role is crucial in helping borrowers secure favorable mortgage rates while maintaining compliance with company and investor requirements.
More about Lock Desk Specialist jobs
What states have the most Lock Desk Specialist jobs? States with the most job openings for Lock Desk Specialist jobs include:
What job categories do people searching Lock Desk Specialist jobs look for? The top searched job categories for Lock Desk Specialist jobs are:
Lock Desk Specialist jobs near you
Infographic showing various Lock Desk Specialist job openings in the United States as of July 2026, with employment types broken down into 78% Full Time, 20% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $52,636 per year, or $25.3 per hour.
LOCK DESK SPECIALIST

LOCK DESK SPECIALIST

Bayview Asset Management

Denver, CO • On-site

$45K - $60K/yr

Full-time

Posted 6 days ago

Job description

Overview
ABOUT US:
Founded in 1993, Bayview Asset Management is an investment management firm focused on investments in mortgage and consumer credit, including whole loans, asset-backed securities, mortgage servicing rights, and other credit-related assets.
POSITION SUMMARY:
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-locks, extensions and manual adjustments). You will work closely with team members as well as the Sales department to answer questions, provide day-to-day assistance to MLO's, Correspondent's, and Broker's.
DUTIES AND RESPONSIBILITIES:
  • Support origination channels, Retail, Correspondent and Wholesale divisions with rate locks, manual pricing adjustments and other related transactions.
  • Develop and maintain relationships with internal and external customers; MLOs, Correspondents, Brokers, and TPOs Sales.
  • Assist in training new Lock Desk Specialists.
  • Monitor all department mailboxes to ensure timely responses.
  • Ensure accuracy of pricing.
  • Support Management team of all our pricing engines and systems.
  • Maintain all product eligibility and underwriting rules in Optimal Blue and Encompass.
  • Research company's portfolio guidelines and policies in response to requests from MLOs, TPOs and Account Executives.
  • Serve as liaison between the company's MLOs, TPOs, AEs and Underwriters to resolve program and product questions.
  • Responsible for all lock desk related activities including lock requests, change requests, extensions, and re-locks with both internal and external investors.
  • Perform duties related to reviewing, processing, analyzing, and reconciling loan transactions to ensure loan data is valid and accurate.
  • Knowledge of FHA, VA, Jumbo, NonQM and Conventional loan programs.
  • Provide rate quotes upon request.
  • Daily uploading production and distribution of rate sheets.
  • Handle special tasks as assigned by Manager as needed.

QUALIFICATIONS & SKILLS:
  • Bachelor's degree.
  • Minimum 2 years' experience in Secondary Marketing.

SKILLS:
  • Ability to complete urgent matters from MLOs, TPOs and Account Executives in a timely manner.
  • Ability to oversee other team members' questions and concerns.
  • Wide understanding of manual pricing adjustments.
  • Excellent knowledge of rate sheets.
  • Exceptional knowledge of Encompass, Optimal Blue and MRN and HomeLend.
  • Ability to work efficiently with a high level of attention to finer details.
  • Ability to prioritize, follow through and multi-task in a fast-paced environment.
  • Ability to build strong relationships with MLOs, TPOs and Account Executives.
  • Ability to work effectively under aggressive deadlines.
  • Ability to work in a team or individual setting.
  • Exceptional analytical, written and verbal communication skills.

LOCATION & COMPENSATION:
  • This is a hybrid role (3 days per week) based in Bayview's Denver office or can be fully remote.
  • Base compensation is expected to be $45,000 - $60,000 with the opportunity for bonus compensation.

EEOC
Bayview is an Equal Employment Opportunity employer. All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.

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