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Mortgage Associate Jobs in Florida (NOW HIRING)

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Act ethically and professionally in alignment with the Associate Code of Conduct, reporting ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Act ethically and professionally in alignment with the Associate Code of Conduct, reporting ...

Seacoast Bank

Mortgage Loan Underwriter

Orlando, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Act ethically and professionally in alignment with the Associate Code of Conduct, reporting ...

Seacoast Bank

Mortgage Loan Underwriter

Tampa, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Act ethically and professionally in alignment with the Associate Code of Conduct, reporting ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Act ethically and professionally in alignment with the Associate Code of Conduct, reporting ...

ServisFirst Bank

Mortgage Loan Officer

Pensacola, FL · On-site

Reasonable accommodation may be made to enable otherwise qualified associates/applicants with ... Two (2) years of mortgage lending experience with proven mortgage production * Previous experience ...

First-Horizon-Bank

Mortgage Loan Officer

Miami, FL · On-site

$55 - $95/hr

... clients, communities and associates unlock their full potential with capital and counsel ... and mortgage banking services. First Horizon has been recognized as one of the nation's best ...

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Mortgage Associate information

See Florida salary details

$8

$15

$22

How much do mortgage associate jobs pay per hour?

As of Sep 3, 2026, the average hourly pay for mortgage associate in Florida is $15.19, according to ZipRecruiter salary data. Most workers in this role earn between $10.77 and $18.32 per hour, depending on experience, location, and employer.

What is a mortgage associate?

A Mortgage Associate is a professional who assists clients in obtaining mortgages or refinancing existing loans. They work under the supervision of licensed mortgage brokers or agents to collect financial information, assess client needs, and help match clients with appropriate loan products. Mortgage Associates play a key role in the mortgage application process by ensuring paperwork is completed accurately and submitted on time. They also maintain communication between clients, lenders, and other professionals involved in the real estate transaction. Generally, they must meet specific training and licensing requirements depending on their jurisdiction.

What are some common challenges mortgage associates face when managing a high volume of loan applications?

Mortgage Associates often manage multiple loan files simultaneously, which can make organization and attention to detail crucial. A common challenge is juggling the documentation and communication required for each client while meeting tight deadlines. Effective time management and the ability to prioritize tasks are essential to ensure applications are processed efficiently and clients remain informed throughout the process. Regular collaboration with underwriters, loan officers, and clients is necessary to resolve issues quickly and move loans forward.

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

To thrive as a Mortgage Associate, you need a solid understanding of mortgage products, financial analysis, and lending regulations, typically supported by a bachelor's degree in finance or a related field. Familiarity with loan origination systems (LOS), customer relationship management (CRM) software, and regulatory compliance tools is essential. Excellent communication, attention to detail, and customer service skills help build trust and ensure smooth client interactions. These skills and qualities are crucial for accurately processing applications, maintaining regulatory compliance, and delivering a positive client experience in a competitive lending environment.

What is the difference between Mortgage Associate vs Mortgage Loan Officer?

AspectMortgage AssociateMortgage Loan Officer
CredentialsTypically requires a mortgage license, basic financial knowledgeRequires mortgage license, often more extensive sales and financial certifications
Work EnvironmentBank branches, mortgage offices, or online platformsBank branches, mortgage broker offices, or direct client meetings
Employer & Industry UsageCommonly employed by banks, credit unions, mortgage companiesEmployed by banks, mortgage lenders, or as independent brokers
Primary RoleAssist in processing mortgage applications, support loan officersOriginate, evaluate, and approve mortgage loans directly with clients

While both roles involve working with mortgage loans, Mortgage Associates typically support the loan process and assist loan officers, focusing on administrative tasks. Mortgage Loan Officers actively originate and evaluate loans, often engaging directly with clients to close deals. Understanding these differences helps in choosing the right career path or job search focus.

What are the most commonly searched types of Mortgage jobs in Florida?

The most popular types of Mortgage jobs in Florida are:

What cities in Florida are hiring for Mortgage Associate jobs?

Cities in Florida with the most Mortgage Associate job openings:

Mortgage Associate jobs near you
Infographic showing various Mortgage Associate job openings in Florida as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 25% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $31,600 per year, or $15.2 per hour.

Mortgage Loan Underwriter

Seacoast Bank

Miami, FL • On-site

Full-time

Re-posted 5 days ago

Seacoast Bank rating

8.6

Company rating: 8.6 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

33rd of 174 rated banks

Job description

JOB SUMMARY:
The Mortgage Underwriter is responsible for independently assessing and underwriting conventional and government residential mortgage loan applications to evaluate credit risk and determine loan acceptability in accordance with agency, investor, and regulatory guidelines. This role carries significant lending authority and fiduciary responsibility, ensuring sound credit decisions while supporting an efficient, high-quality borrower experience.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment-quality and salable loans.
  • Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan structure to ensure compliance with agency, investor, and internal credit standards.
  • Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.
  • Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for loans requiring MI approval outside delegated authority.
  • Maintain current knowledge of agency, investor, and MI guidelines, including policy updates and underwriting changes.
  • Partner with Loan Officers, Processors, and Operations staff to resolve underwriting issues efficiently while maintaining credit integrity.
  • Provide guidance, training, and technical support to lending and processing teams on underwriting guidelines, risk considerations, and documentation requirements.
  • Ensure adherence to all fair lending, AML/BSA, and consumer protection regulations, including CIP, due diligence, enhanced due diligence, and disclosure requirements.
  • Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards, ensuring consistent, unbiased treatment of all applicants.
  • Review and document policy exceptions in accordance with approved exception authority and governance standards.
  • Act ethically and professionally in alignment with the Associate Code of Conduct, reporting customer concerns or complaints as appropriate.
  • Support audits, quality control reviews, and regulatory exams by providing thorough documentation and rationale for credit decisions.
  • Adheres to Seacoast Bank's Code of Conduct.

EDUCATION and/or EXPERIENCE:
  • Bachelor's degree from an accredited four-year college or university or equivalent demonstrated knowledge and experience in residential mortgage underwriting.
  • Four or more years of experience in residential mortgage underwriting, including conventional and government loan products.
  • Strong working knowledge of FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, private mortgage insurance requirements, and applicable state or housing programs (e.g., SHIP).
  • Ability to independently analyze complex credit scenarios and make well-reasoned risk decisions.
  • Ability to read, interpret, and apply agency guidelines, investor overlays, regulatory requirements, and internal policies.
  • Excellent written and verbal communication skills, with the ability to clearly document underwriting decisions and exception rationale.
  • Strong analytical and quantitative skills, including the ability to evaluate ratios, percentages, interest calculations, and amortization concepts.
  • Proficiency with loan origination systems, underwriting tools, and office productivity software (e.g., spreadsheet and word-processing applications).
  • Ability to manage multiple priorities, exercise sound judgment, and operate effectively in a fast-paced, deadline-driven environment.
  • Experience presenting underwriting guidance in group training or coaching settings preferred.
  • Ensures compliance with AML/BSA, Fair Lending, investor, and regulatory requirements throughout the underwriting process.
  • Maintains confidentiality and treats borrower information with the highest level of integrity.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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