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Lock Desk Jobs in California (NOW HIRING)

Guild

Secondary Marketing Specialist I

San Diego, CA · On-site

$20.91 - $29.37/hr

Perform day-to-day lock desk responsibilities; actively monitoring loan terms, price, and rate and using judgment and knowledge to process requests from production accordingly. * Build and maintain ...

SAIGroup

Mortgage Loan Officer SME

Bodega Bay, CA · Remote

Identify data dependencies, rework loops, and failure modes between loan officers, LOAs/production assistants, processors, and the lock desk -- and recommend how the product should eliminate them.

Guild Mortgage

Mortgage Trader

San Diego, CA

$99K - $150K/yr

This role will also be responsible for setting asset values, rate sheet generation, supporting Production via Lock Desk responsibilities and performing other duties as assigned. Compensation This ...

Guild

Mortgage Trader

San Diego, CA · On-site

$99K - $150K/yr

This role will also be responsible for setting asset values, rate sheet generation, supporting Production via Lock Desk responsibilities and performing other duties as assigned. Compensation This ...

Spire Hospitality

Front Desk Agent

Burbank, CA

$23/hr

... lock. • Operate facsimile machine to send, receive, and log incoming transmissions. Notify guests of incoming faxes using the message function of the computer. • Use the photocopier to make ...

Spire Hospitality

Front Desk Agent

Burbank, CA · On-site

$23/hr

... lock. • Operate facsimile machine to send, receive, and log incoming transmissions. Notify guests of incoming faxes using the message function of the computer. • Use the photocopier to make ...

Spire Hospitality

Front Desk Agent

Burbank, CA · On-site

$20/hr

The ideal candidate will have previous HOTEL front desk experience and FSPMS (Marriott OS ... box lock. * Operate facsimile machine to send, receive, and log incoming transmissions. Notify ...

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Lock Desk information

See California salary details

$8

$20

$37

How much do lock desk jobs pay per hour?

As of Aug 5, 2026, the average hourly pay for lock desk in California is $20.00, according to ZipRecruiter salary data. Most workers in this role earn between $14.47 and $23.51 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive in the lock desk position, and why are they important?

To thrive as a Lock Desk specialist, you need strong analytical skills, attention to detail, and knowledge of mortgage lending processes or secondary market operations. Familiarity with loan origination systems (LOS), pricing engines, and related mortgage software is highly valuable, along with experience in finance or banking and relevant industry certifications. Outstanding organizational skills, effective communication, and the ability to work efficiently under pressure are vital soft skills in this role. These competencies are crucial for ensuring rate lock accuracy, minimizing errors, and supporting seamless mortgage loan transactions.

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

Lock Desk specialists are primarily responsible for managing and processing mortgage rate lock requests, updating pricing, and validating loan terms for accuracy. They regularly interact with loan officers, underwriters, and secondary marketing teams to clarify guidelines or resolve discrepancies. Daily tasks often include reviewing loan pipelines, ensuring compliance with pricing policies, and responding to inquiries regarding lock extensions or changes. The role requires high attention to detail and quick turnaround times to meet both internal deadlines and customer expectations. This position is key to ensuring smooth loan processing and maintaining client satisfaction in a fast-paced mortgage environment.

What is a lock desk?

A Lock Desk job involves managing interest rate locks for mortgage loans. Professionals in this role ensure that loan rates are accurately locked in based on market conditions and lender policies. They monitor rate expirations, process lock changes, and communicate with loan officers to confirm pricing and terms. Attention to detail and an understanding of mortgage lending are essential for this position.

What does a lock desk do?

A lock desk is responsible for managing and approving mortgage loan rate locks, ensuring that interest rates are secured for borrowers during the loan process. They monitor market conditions, coordinate with lenders and loan officers, and handle documentation to prevent rate fluctuations that could impact loan profitability.
What are the most commonly searched types of Lock Desk jobs in California? The most popular types of Lock Desk jobs in California are:
What are popular job titles related to Lock Desk jobs in California? For Lock Desk jobs in California, the most frequently searched job titles are:
What job categories do people searching Lock Desk jobs in California look for? The top searched job categories for Lock Desk jobs in California are:
What cities in California are hiring for Lock Desk jobs? Cities in California with the most Lock Desk job openings:
Lock Desk jobs near you
Infographic showing various Lock Desk job openings in California as of July 2026, with employment types broken down into 100% Full Time. Highlights an 75% In-person, and 25% Remote job distribution, with an average salary of $41,610 per year, or $20 per hour.

Mortgage Lock Desk Manager

Griffin Funding, Inc.

San Diego, CA • On-site

$80K - $85K/yr

Full-time

Posted 29 days ago

Job description

Must be located in San Diego, CA
Do you want to lead a lock desk without stepping away from the work itself?
Are you the person who can lock a loan, catch a margin issue, and pull the report that explains it, all in the same afternoon?
Do you take ownership of the numbers that drive profitability, not just the tasks in front of you?
If you answered yes, we want to talk to you.
About Griffin Funding
Griffin Funding is a full-service mortgage lender licensed across the U.S. and committed to making homeownership more accessible. We're a Non-QM, VA, FHA, and CONV Lender with a reputation for speed, service, and doing right by our borrowers. Our team is performance-driven, collaborative, and growing, and we're looking for people who want to grow with us.
About the Role
The Lock Desk Manager leads our lock desk while staying hands-on in the work. You're still reviewing and verifying lock requests, registering loans with investors, and issuing confirmations, and on top of that you own the health of the desk: monitoring margins and revenue, running the reports that show how we're performing, and serving as our Optimal Blue administrator. You set the standard for accuracy and responsiveness, you're the final word on lock policy, and you make sure pricing and profitability stay protected on every file. It's a player-coach role built for someone who wants to lead without losing touch with the desk.
A Day in the Life
Morning
You start with the market. Rate sheets come in, pricing moves, and lock requests are waiting. You're locking loans alongside the team, reviewing and verifying requests, confirming pricing in Optimal Blue, and registering loans with investors. When sales or operations has a lock policy question, it comes to you, and you keep the desk moving at pace.
Afternoon
You shift into the parts of the job only you own. You monitor margins and revenue, watching for anything that puts profitability at risk. You run and review reports on desk performance, and you manage Optimal Blue as its administrator, keeping pricing rules, configurations, and investor setups current. You handle extensions and loan restructures that affect pricing, keep the secondary tab and lock confirmations current in LendingPad, and stay in close contact with your investor reps as pricing and guidelines shift. Throughout, you're supporting your team and making sure the desk runs clean.
Major Goals and Responsibilities
Locking and Confirmations
  • Review, verify, and lock incoming LO lock requests
  • Register loans with investors and issue confirmations to the appropriate parties
  • Enter lock request and confirmation information accurately and efficiently into the LOS
  • Extend locks and assist in loan restructures
  • Audit locks for accuracy

Margins, Revenue, and Reporting
  • Monitor margins and revenue to protect profitability across the pipeline
  • Run and review reports on lock desk performance
  • Flag and address risks to pricing and margin before they become problems

Systems and Administration
  • Serve as the Optimal Blue administrator, managing pricing rules, configurations, and investor setups
  • Keep the secondary tab and lock confirmations in LendingPad updated throughout the life of the loan

Leadership and Communication
  • Set the standard for accuracy and responsiveness on the desk
  • Serve as the final resource for lock policy questions from sales and operations
  • Build and maintain investor relationships, communicating lock changes and building rapport
  • Perform any other duties as assigned from time to time by the Company, depending on operational needs and changes

Key Characteristics
Accurate under pressure. You hold precision even when the market is moving and the requests are stacking up.
Ownership over the numbers. You treat margins and revenue as yours to protect, and you dig into a report until it tells you what you need to know.
A leader who still does the work. You set the standard by example and stay in the day-to-day, not above it.
A clear communicator. You're the bridge between sales, operations, and investors, and people trust the answers you give.
Fluent with the tools. You don't just use Optimal Blue, you administer it, and you adapt quickly as platforms evolve.
What We're Looking For
  • 3+ years of mortgage experience with direct lock desk experience
  • Experience monitoring margins and revenue and running lock desk reporting
  • Optimal Blue administration experience
  • LendingPad experience a plus
  • A track record of building and keeping strong investor relationships
  • Located in San Diego, CA

Career Path
The Lock Desk Manager role is a step into secondary marketing leadership. As you deepen your command of pricing, margin strategy, and investor relationships, there's room to grow toward senior secondary and capital markets roles. Growth here is driven by your performance and your appetite to take on more.
Griffin Funding, provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Griffin Funding, complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.
NMLS #1120111
VA Approved Lender ID: 9088650000
FHA Non-Supervised Lender No.: 01472-0000-3

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