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Lock Desk Jobs in Michigan (NOW HIRING)

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 ...

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 ...

HOSPITALITY SPECIALISTS INC

Front Desk Agent

Holland, MI · On-site

$15 - $16/hr

When leaving the front desk area, it is mandatory for the cashier to lock his/her bank so the cash is secured. * Report any unusual occurrences or requests to the manager. * Greet all guests ...

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Lock Desk information

See Michigan salary details

$7

$17

$33

How much do lock desk jobs pay per hour?

As of Jul 16, 2026, the average hourly pay for lock desk in Michigan is $17.67, according to ZipRecruiter salary data. Most workers in this role earn between $12.79 and $20.72 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 job?

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 are the most commonly searched types of Lock Desk jobs in Michigan? The most popular types of Lock Desk jobs in Michigan are:
What are popular job titles related to Lock Desk jobs in Michigan? For Lock Desk jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Lock Desk jobs in Michigan look for? The top searched job categories for Lock Desk jobs in Michigan are:
What cities in Michigan are hiring for Lock Desk jobs? Cities in Michigan with the most Lock Desk job openings:
Lock Desk jobs near you
Infographic showing various Lock Desk job openings in Michigan as of July 2026, with employment types broken down into 81% Full Time, 16% Part Time, 1% Temporary, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $36,748 per year, or $17.7 per hour.
Lock Desk Specialist

Lock Desk Specialist

AD Mortgage

Troy, MI

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 7 days ago

Job description

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 ensures the accurate, timely, and compliant locking of interest rates to mitigate risk and maximize profitability for the company, serving as a critical liaison between the Capital Markets team, Sales team, Loan Officers and Operations staff.

Key Responsibilities

  • Rate Lock Management:

  1. Process, review and execute rate lock requests, relocks, extensions and modifications accurately and efficiently in the loan origination system

  2. Ensure all rate locks adhere to company policies, investor guidelines and regulatory requirements.

  • Pricing and Communication:

  1. Verify and confirm loan pricing, ensuring accurate loan-level price adjustments and other fees are applied.

  2. Act as the primary point of contact for Loan Officers, Processors and Underwriters for all rate lock and pricing inquiries, providing excellent client service.

  • Data Integrity and Reporting:

  1. Work closely with the rate sheet pricing team to ensure that loans are priced correctly in the loan origination system and physical rate sheets.

  2. Maintain and update lock desk procedures and guidelines. Ensure all activities are in compliance with regulatory requirements and internal risk management policies.

  3. Run quality control of the lock pipeline to ensure no data inconsistencies, potential errors, and if found work, with the appropriate parties to resolve them promptly.

  4. Ensure compliance with all agency and investor guidelines, policies, and procedures related to loan sales and securitization.

Location and Schedule

  • This is a full-time, office-based position in a modern, cozy environment in our Troy, MI office.

  • Our standard working hours for this role are Monday to Friday, 10:00 AM to 7:00 PM

Skills & Qualifications

  • Experience: 1-3 years of experience in the mortgage industry, specifically within a Lock Desk, Secondary Marketing, or Capital Markets function is preferred.

  • Communication: Exceptional written and verbal communication skills, including phone calls, with the ability to clearly and concisely explain complex pricing and policy issues.

  • Knowledge: Strong understanding and appreciation of mathematical concepts.

  • Analytical Skills: Excellent attention to detail, strong organizational skills, and the ability to work accurately and efficiently under pressure in a high-volume, deadline-driven environment.

  • Company Culture: Inclusive, supportive company culture where you are not a number, but a voice that's heard and brings value.

  • Growth Path: Defined paid training and clear pathways for career development.

  • Benefits: Comprehensive benefits package including PTO, sick days, paid volunteer hours, medical, dental, vision insurance, and 401(k).

    Take the first step towards a rewarding career in the mortgage industry with AD Mortgage.

    Our Recruitment team will reach out to you shortly!

Connect with us: Explore our social media to get a sense of our corporate culture.

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.