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Mortgage Insurance Underwriter Jobs (NOW HIRING)

William Raveis Real Estate

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Mortgage Underwriter

Shelton, CT · On-site

$65K - $80K/yr

A multi-billion-dollar company for real estate, mortgage, and insurance and the nation's #1 ... The mortgage Underwriter will be responsible for the day-to-day underwriting process including ...

Seacoast Bank

Mortgage Loan Underwriter

Naples, FL · On-site

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

Seacoast Bank

Mortgage Loan Underwriter

Orlando, FL · On-site

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

Seacoast Bank

Mortgage Loan Underwriter

Tampa, FL

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for ... Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards ...

SRM Digital

Mortgage Underwriter

Cincinnati, OH · On-site

Identify the mortgage insurance requirement (MI) and follow the MI guidelines, if applicable. Additional responsibilities for the Mortgage Underwriter include: * Maintaining service level standards

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How much do mortgage insurance underwriter jobs pay per hour?

As of Sep 11, 2026, the average hourly pay for mortgage insurance underwriter in the United States is $29.76, according to ZipRecruiter salary data. Most workers in this role earn between $19.71 and $34.62 per hour, depending on experience, location, and employer.

What does a mortgage insurance underwriter do?

A Mortgage Insurance Underwriter evaluates loan applications to determine the risk of insuring a mortgage. They review financial documents, credit reports, property appraisals, and other relevant information to ensure the borrower meets the insurer's guidelines. Their analysis helps prevent losses by deciding whether to approve or deny mortgage insurance coverage, and under what terms. This role plays a crucial part in protecting lenders against defaults and ensuring sound lending practices.

What are the key skills and qualifications needed to thrive as a mortgage insurance underwriter?

To thrive as a Mortgage Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of mortgage lending guidelines, often supported by a degree in finance or business and relevant underwriting experience. Familiarity with automated underwriting systems (AUS), mortgage loan origination software, and industry certifications such as Certified Mortgage Underwriter (CMU) are common requirements. Excellent communication, decision-making, and organizational skills help underwriters effectively assess risk and collaborate with lenders. These skills ensure accurate risk assessment, regulatory compliance, and efficient processing of mortgage insurance applications.

What are some common challenges mortgage insurance underwriters face in their day-to-day work?

Mortgage Insurance Underwriters often navigate the complexities of balancing risk assessment with customer service and regulatory compliance. A key challenge is staying up-to-date with ever-changing mortgage guidelines and ensuring each application meets both company and federal standards. Additionally, underwriters must make timely decisions under pressure, often coordinating with loan officers and other departments to gather missing documentation or clarify details. This role requires strong analytical skills and the ability to communicate effectively with various stakeholders to maintain smooth loan processing.

What is the difference between Mortgage Insurance Underwriter vs Loan Processor?

AspectMortgage Insurance UnderwriterLoan Processor
Primary RoleAssess risk and approve or deny mortgage insurance applicationsGather and verify borrower documentation to prepare loan files
Required CredentialsTypically requires underwriting certifications and knowledge of mortgage guidelinesRequires strong organizational skills, often with loan processing experience
Work EnvironmentOffice-based, working closely with underwriters and lendersOffice-based, coordinating with loan officers and applicants
Industry UsageCommon in mortgage lending and insurance companiesCommon in mortgage lending and banking institutions

In summary, Mortgage Insurance Underwriters focus on evaluating and approving mortgage insurance applications, ensuring risk management. Loan Processors handle the preparation and verification of loan documents. Both roles are essential in the mortgage process but differ in responsibilities and focus areas.

How hard is it to become a mortgage insurance underwriter?

Becoming a mortgage insurance underwriter typically requires a high school diploma or equivalent, with many employers preferring candidates with a bachelor's degree in finance, business, or related fields. Relevant skills include attention to detail, analytical ability, and knowledge of mortgage and insurance policies; some roles may also require industry certifications. Gaining experience through entry-level positions or training programs can facilitate advancement in this specialized field.

Is mortgage insurance underwriting a good career?

Mortgage insurance underwriting is a stable career within the financial services industry, involving evaluating loan applications to determine insurance requirements and risk. It requires strong analytical skills, attention to detail, and knowledge of mortgage and insurance policies. The role often offers regular hours and opportunities for advancement with relevant certifications and experience.
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What states have the most Mortgage Insurance Underwriter jobs?

States with the most job openings for Mortgage Insurance Underwriter jobs include:

What are popular job titles related to Mortgage Insurance Underwriter jobs?

For Mortgage Insurance Underwriter jobs, the most frequently searched job titles are:

Mortgage Insurance Underwriter jobs near you
Infographic showing various Mortgage Insurance Underwriter job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 74% Full Time, 19% Part Time, and 6% Contract. Highlights an 88% Physical, 1% Hybrid, and 11% Remote job distribution, with an average salary of $61,902 per year, or $29.8 per hour.

Mortgage Insurance Underwriter II

Wilmington, NC • On-site

Anza Mortgage Insurance Corporation
See more jobs at Anza Mortgage Insurance Corporationexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted yesterday

Key responsibilities

  • Review and analyze mortgage insurance applications and supporting documentation to assess creditworthiness and risk.

  • Utilize automated underwriting systems and proprietary technology to evaluate applications and ensure compliance with regulations.

  • Make underwriting decisions, document them, and communicate outcomes to stakeholders.

Job description

About Anza
Anza is building a mortgage insurance company from first principles. Most mortgage insurers operate on decades-old technology, manual workflows, organizational structures, and operating assumptions that have evolved incrementally over time. We believe there is a fundamentally better way.
Our vision is to build the industry's most technology-enabled mortgage insurer, one where software, automation, AI, analytics, and thoughtful operating design create better experiences for customers while allowing the business to scale efficiently without simply adding people.
We are not interested in making legacy processes slightly better. We are interested in building the operating model that mortgage insurance should have had all along.
About the role
Anza Mortgage Insurance Corporation is seeking a detail-oriented Mortgage Insurance Underwriter to join our team. In this role, you will be responsible for assessing the creditworthiness of borrowers and the associated risks of mortgage insurance applications to ensure they meet our company's guidelines and standards. The ideal candidate will be skilled in leveraging technology to deliver quality service and uphold our commitment to risk management. This position will be hybrid, working in our Wilmington, NC location three days a week. As a de novo Mortgage Insurance Company, the person in this role must be comfortable in an agile work environment often wearing multiple hats.
However we are open to remote work from the following states: Arizona, Colorado, Idaho, Montana, Nevada, Oregon, Utah.
What you'll do
  • Review and analyze mortgage insurance applications and supporting documentation, including credit reports, income statements, assets, liabilities, and appraisals.
  • Utilize automated underwriting systems and proprietary technology to evaluate applications and potential risk factors, ensuring compliance with both company and industry regulations.
  • Communicate clearly and effectively with loan officers, processors, and other stakeholders to gather necessary information, clarify discrepancies, and provide updates.
  • Make informed underwriting decisions based on a thorough analysis of documentation and risk assessment.
  • Document underwriting decisions and provide justification for approvals or rejections, adhering to clear communication standards.
  • Prioritize and manage work efficiently, with a keen focus on meeting deadlines and maintaining service level agreements.
  • Maintain an up-to-date knowledge of mortgage insurance policies, lending guidelines, federal and state regulations, and evolving industry standards.
  • Identify potential fraudulent activity by carefully reviewing loan documentation and vendor reports.
  • Participate in system testing and validation activities as needed.

Qualifications
Minimum Education
  • Bachelor's degree in Business, Finance, or a related field, or equivalent work experience.

Minimum Experience
  • 2-4 years of experience in mortgage underwriting, with a proven track record of successful risk assessment.
  • Experience as a mortgage processor with a proven track record in managing and clearing conditions

Preferred Experience
  • Proficiency with automated underwriting systems (e.g., Fannie Mae DU, Freddie Mac LPA) and loan origination software.
  • Experience with testing new technologies is a plus.
  • Demonstrated experience in working with loan origination platforms; Encompass, Empower, Vesta, Blue Sage, Calyx.
  • Strong analytical, problem-solving, and decision-making skills.
  • Thorough understanding of insurance risk underwriting principles.

Minimum Skills
  • Exceptional attention to detail and organizational skills.
  • Ability to establish and maintain strong customer relationships.
  • Excellent written and verbal communication skills.
  • Ability to work independently
  • Strong knowledge of industry regulations and compliance standards.

What we offer
We're committed to creating an environment where our team members can thrive both professionally and personally. We currently offer:
  • Competitive Compensation - Including salary and performance bonuses.
  • Comprehensive Benefits - Health, dental, vision, and mental wellness support.
  • Retirement Savings - 401(k) with company matching.
  • Career advancement opportunities with business growth.
  • Inclusive Culture - A diverse, collaborative, and supportive workplace where every voice is valued.
  • Perks & Extras - Generous PTO, team events, wellness programs, and more.

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