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Mortgage Analyst Jobs (NOW HIRING)

CrossCountry Mortgage

Lock Desk Analyst

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more ... The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ...

Cake Mortgage Corp

Disclosure Analyst I

Chatsworth, CA · On-site

$25 - $28/hr

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're ... We are actively seeking a talented & motivated mortgage Disclosure Analyst I who will assist a team ...

NEWMARK

Analyst-Mortgage Banking Associate

Irvine, CA

$75K - $90K/yr

Join our team as a highly motivated Mortgage Banking Associate/Analyst! You'll be instrumental in supporting loan origination and underwriting, conducting thorough market research, and prepare ...

NEWMARK

Analyst-Mortgage Banking Associate

Irvine, CA · On-site

$75K - $90K/yr

Join our team as a highly motivated Mortgage Banking Associate/Analyst! You'll be instrumental in supporting loan origination and underwriting, conducting thorough market research, and prepare ...

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Mortgage Analyst information

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How much do mortgage analyst jobs pay per hour?

As of Jun 14, 2026, the average hourly pay for mortgage analyst in the United States is $36.19, according to ZipRecruiter salary data. Most workers in this role earn between $20.91 and $53.85 per hour, depending on experience, location, and employer.

What Does a Mortgage Analyst Do?

As a mortgage analyst, your responsibilities are to assess the financial risks and rewards pertaining to the execution of a mortgage or loan application. You also determine how to mitigate the risks by suggesting ways for the mortgage lender to capitalize on the loan, such as by suggesting servicing transfers or passing on the servicing rights to another financial vendor. When dealing with commercial mortgage applicants, you might assess the financial institution’s loan inventory to determine how to capitalize on those loans to advanced credit to applicants.

What are the key skills and qualifications needed to thrive as a Mortgage Analyst, and why are they important?

To thrive as a Mortgage Analyst, you need strong analytical skills, attention to detail, and a background in finance or accounting, often supported by a relevant degree. Familiarity with mortgage underwriting software, financial modeling tools, and regulatory compliance systems is commonly required. Excellent communication, problem-solving abilities, and time management make someone stand out in this position. These skills ensure accurate risk assessment, informed decision-making, and effective collaboration with clients and stakeholders in the mortgage process.

What are some common challenges faced by Mortgage Analysts when assessing loan applications?

Mortgage Analysts often encounter challenges such as evaluating complex financial documents, assessing risk in non-standard borrower situations, and staying updated with ever-changing lending regulations. Balancing thorough risk assessment with competitive turnaround times can also be demanding, especially during high-volume periods. Developing strong communication skills is essential, as analysts frequently collaborate with underwriters, loan officers, and clients to clarify application details and ensure all necessary documentation is complete.

What is the difference between Mortgage Analyst vs Mortgage Underwriter?

AspectMortgage AnalystMortgage Underwriter
Primary RoleAnalyzes mortgage data, assesses risk, and prepares reports for decision-making.Reviews loan applications, verifies documentation, and approves or rejects mortgage loans.
Required CredentialsTypically requires a bachelor's degree; certifications like MLO or mortgage licensing may be beneficial.Requires similar credentials; often needs mortgage licensing and underwriting certifications.
Work EnvironmentOffice setting, often working with financial data and reports.Office environment, closely reviewing loan files and documentation.
Industry UsageCommonly employed by banks, mortgage companies, and financial institutions.Primarily employed by lenders and mortgage companies for loan approval processes.

While both roles operate within the mortgage industry and require similar credentials, a Mortgage Analyst focuses on analyzing data and assessing risk, whereas a Mortgage Underwriter reviews applications and makes approval decisions. Understanding these differences helps in choosing the right career path or job search focus.

What does a Mortgage Analyst do?

A Mortgage Analyst is responsible for evaluating and processing mortgage loan applications. They assess borrowers’ financial information, analyze credit reports, and ensure that all documentation complies with lending guidelines. Mortgage Analysts also help determine the risk level of approving a loan and may communicate with applicants to clarify or gather additional information. Their role is crucial in ensuring that loans are both profitable for the lender and manageable for the borrower.
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Mortgage Analyst jobs near you
Renovation Lending Analyst

Renovation Lending Analyst

PREMIUM MORTGAGE CORPORATION

Buffalo, NY • On-site

$24 - $27.50/hr

Full-time

Medical, Dental, Vision, Life, PTO

Posted 10 days ago

Job description

Renovation Lending Analyst Job Description

Full Time | Hybrid |

Salary Range: $24.00/ hr - $27.50/ hr

Pay Transparency: Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the total package that is provided to compensate and recognize employees for their work.


About Premium Mortgage

Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of.

After all, a mortgage isn’t just a transaction to us. It's a partnership for life.

We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve.

All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management.

Why us?

Benefits offered by Premium Mortgage:

  • Insurance: Medical, Dental, Vision, Company Paid Life Insurance
  • Time Off: Paid Time Off, Sick Time, Federal Holidays, Birthday PTO
  • Additional Perks: Employee Referral Fee, HSA Employer Contribution, Employee Mortgage Loans

Role & Responsibilities

The Renovation Lending Analyst supports the Renovation Lending Division by overseeing loan origination through clear to close, with cross-training to provide coverage for renovation escrow administration and draw processing when needed. This role ensures compliance with company and regulatory standards, and drives timely, high-quality customer outcomes. The position reports to the Head of Renovation Lending.

Loan Processing

  • Reviews all documentation necessary for loan approval for accuracy, completeness, and tracks all data in origination software
  • Processes verifications for credit items including, but not limited to: employment, asset information, rental history, and credit reports.
  • Reviews conditions and ensures borrower(s) are providing the correct documentation needed to achieve a Clear to Close
  • Stays current on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all specialty products offered
  • Works closely with Underwriting and Closing departments to ensure timely processing and quality loan file flow
  • Responds quickly and efficiently to borrower inquiries throughout the mortgage process


Renovation

  • Reviews Loan Estimates (LE) and Closing Disclosures (CD) to ensure proper accounting for all renovation-related fees and line items
  • Sets up loans in the Renovation Lending System (RLS) to enable pre-closing renovation collateral documentation and configure for post-closing draw administration
  • Assists in gathering and reviewing contractor documentation, including licenses, insurance, bids, and executed contracts
  • Cross-trains on post-closing draw administration processes, including draw request review, inspection coordination, and disbursement workflows
  • Maintains expertise in renovation guidelines and credit criteria for FHA (203k), Fannie Mae (HomeStyle), Freddie Mac (CHOICERenovation), VA renovation, and SONYMA RemodelNY
  • Provides training and support as needed within the renovation lending team

This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Qualifications for this position

Education

  • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable

Experience

  • Previous experience in the mortgage industry with understanding of loan processing
  • Familiarity with Encompass

Transferable Skills

  • Customer service skills
  • Time management skills
  • Written communication skills
  • Verbal communication skills
  • Team player
  • Multi-tasking
  • Detail orientated
  • Organizational skills
  • Problem solving skills
  • Independent Judgement

Working Conditions

The Renovation Lending Analyst is primarily in an office setting and may be exposed to outdoor conditions.

The working conditions are classified as Sedentary work:

  • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.