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Mortgage Fraud Analyst Jobs (NOW HIRING)

SoFi

Mortgage Underwriter

Frisco, TX · On-site

Perform detailed analysis of borrower credit, income, and collateral - including complex and self ... Identify and escalate potential fraud risk or guideline exceptions. * Apply deep working knowledge ...

LCNB National Bank

Mortgage Underwriter

Lebanon, OH · On-site

Reports To: Josh Hutt, VP of Commercial Credit Analysis * Status: Full-time Hourly Non-Exempt ... Knowledge and familiarity with fraud detection techniques * Strong organizational, multi-tasking ...

New

LCNB National Bank

Mortgage Underwriter

Lebanon, OH · On-site

Reports To: Josh Hutt, VP of Commercial Credit Analysis * Status: Full-time Hourly Non-Exempt ... Knowledge and familiarity with fraud detection techniques * Strong organizational, multi-tasking ...

New

Canyon View Credit Union

Fraud Specialist

West Jordan, UT · Hybrid

$22 - $27/hr

The person in this position will review and analyze fraud reports, risk alerts and various reports ... Discounts on Mortgage Loan fees. * Plus other employee banking perks. Requirements The experience ...

VyStar Credit Unions

$70 - $90/hr

Senior Mortgage Underwriter Accountability Statement: The Senior Mortgage Underwriter is ... title and fraud reports. * Analyze loan files to determine creditworthiness of borrower.

New

Lake Michigan Credit Union

$85 - $120/hr

... analytical and communication skills * familiarity with mortgage products and regulatory ... Escalate files showing evidence of fraud or misrepresentation to management. Detect patterns or red ...

New

Merchants Bank

Mortgage Loan Processor I

Red Wing, MN · On-site

$40K - $55K/yr

Mortgage Loan Processor Merchants Bank is seeking a Mortgage Loan Processor. This on-site position ... fraud * Obtain and analyze homeowners' insurance, flood insurance, condo insurance to ensure ...

Merchants Bank

Mortgage Loan Processor I

Spring Grove, MN · On-site

$41K - $56K/yr

Mortgage Loan Processor Merchants Bank is seeking a Mortgage Loan Processor. This on-site position ... fraud * Obtain and analyze homeowners' insurance, flood insurance, condo insurance to ensure ...

Merchants Bank

Mortgage Loan Processor I

Onalaska, WI · On-site

$37K - $51K/yr

Mortgage Loan Processor Merchants Bank is seeking a Mortgage Loan Processor. This on-site position ... fraud * Obtain and analyze homeowners' insurance, flood insurance, condo insurance to ensure ...

Merchants Bank

Mortgage Loan Processor I

Caledonia, MN · On-site

$39K - $54K/yr

Mortgage Loan Processor Merchants Bank is seeking a Mortgage Loan Processor. This on-site position ... fraud * Obtain and analyze homeowners' insurance, flood insurance, condo insurance to ensure ...

Merchants Bank

Mortgage Loan Processor I

Lanesboro, MN · On-site

$39K - $53K/yr

Mortgage Loan Processor Merchants Bank is seeking a Mortgage Loan Processor. This on-site position ... fraud * Obtain and analyze homeowners' insurance, flood insurance, condo insurance to ensure ...

Merchants Bank

Mortgage Loan Processor I

Rosemount, MN · On-site

$40K - $56K/yr

Mortgage Loan Processor Merchants Bank is seeking a Mortgage Loan Processor. This on-site position ... fraud * Obtain and analyze homeowners' insurance, flood insurance, condo insurance to ensure ...

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How much do mortgage fraud analyst jobs pay per hour?

As of Aug 21, 2026, the average hourly pay for mortgage fraud analyst in the United States is $38.63, according to ZipRecruiter salary data. Most workers in this role earn between $25.96 and $48.32 per hour, depending on experience, location, and employer.

What is a mortgage fraud analyst?

A Mortgage Fraud Analyst is responsible for identifying and investigating fraudulent activities related to mortgage applications, transactions, and lending practices. They analyze financial documents, loan applications, and borrower information to detect inconsistencies or red flags. Using data analysis and investigative techniques, they assess risks and recommend preventative measures to protect lenders and financial institutions. Their role is critical in ensuring compliance with regulations and preventing financial losses due to fraud.

What are the key skills and qualifications needed to thrive as a mortgage fraud analyst?

To thrive as a Mortgage Fraud Analyst, you need strong analytical skills, attention to detail, and a background in finance, accounting, or criminal justice. Familiarity with fraud detection software, data analysis tools such as Excel or SQL, and certifications like Certified Fraud Examiner (CFE) can be highly beneficial. Strong communication, problem-solving abilities, and the capacity to work collaboratively with cross-functional teams make a candidate stand out. These skills are crucial for accurately identifying suspicious activities, minimizing financial risks, and ensuring regulatory compliance in the mortgage industry.

What are some typical challenges faced by a mortgage fraud analyst, and how are they addressed?

Mortgage Fraud Analysts often face challenges such as detecting increasingly sophisticated fraudulent schemes and managing large volumes of data to spot inconsistencies. Staying updated on new fraud trends and regulatory requirements is essential, so ongoing training and collaboration with legal and compliance teams are common. Analysts rely on specialized software and data analytics to efficiently identify suspicious activity, and frequent communication with internal departments is crucial for thorough investigations. Overcoming these challenges requires a proactive mindset and a strong attention to detail, ensuring that risks to the organization are minimized and compliance standards are maintained.

How much does a mortgage fraud analyst get paid?

The average salary for a mortgage fraud analyst ranges from $50,000 to $80,000 annually, depending on experience, location, and employer size. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries. The role often requires strong analytical skills and familiarity with fraud detection tools.

What qualifications do you need to be a mortgage fraud analyst?

A mortgage fraud analyst typically needs a bachelor's degree in finance, accounting, or a related field. Strong analytical skills, attention to detail, and experience with financial or fraud detection tools are important, along with knowledge of mortgage processes and regulations. Certifications such as Certified Fraud Examiner (CFE) can enhance qualifications.
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Mortgage Fraud Analyst jobs near you
Infographic showing various Mortgage Fraud Analyst job openings in the United States as of August 2026, with employment types broken down into 89% Full Time, 5% Part Time, and 6% Contract. Highlights an 80% Physical, 9% Hybrid, and 11% Remote job distribution, with an average salary of $80,350 per year, or $38.6 per hour.

Mortgage Underwriter

SoFi

Frisco, TX • On-site

Full-time

Re-posted 6 days ago

Job description

Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we're changing the way people think about and interact with personal finance.
We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The Role
SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX or Charlotte, NC.
You'll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment.
The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation. You'll thrive in a collaborative, metrics-driven culture focused on member experience, quality, and accountability.
What You'll Do
  • Review and underwrite mortgage applications using investor/GSE guidelines.
  • Perform detailed analysis of borrower credit, income, and collateral - including complex and self-employed income calculations.
  • Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).
  • Make timely, compliant underwriting decisions in line with SoFi and investor standards.
  • Manage a high-volume pipeline, balancing quality (QC) and production SLAs - goal of 5+ new credit decisions per day.
  • Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.
  • Identify and escalate potential fraud risk or guideline exceptions.
  • Apply deep working knowledge of DU/LP systems and investor overlays.
  • Contribute to continuous process improvement through collaboration and feedback.
What You'll Need
  • Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.
  • Strong analytical ability and independent risk assessment judgment.
  • Proficiency in DU, LP, and FHA Connection systems.
  • Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.
  • Thorough understanding of credit policy, financial statement analysis, and property evaluation.
  • Strong communication skills - able to explain complex scenarios clearly and professionally.
  • Experience maintaining both quality control metrics and high production throughput.
  • Familiarity with Texas-specific lending nuances preferred.
  • Hybrid work schedule: 2 days per week in the Frisco, TX office.
Nice-to-Haves
  • Active SAR or VA credit authority
  • Active FHA DE (Direct Endorsement) certification
  • Experience underwriting Jumbo or USDA loans
  • College degree
  • Background in fraud detection or risk mitigation

Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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