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Mortgage Lock Desk Jobs (NOW HIRING)

Orion Lending

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Mortgage Lock Desk Specialist

Orange, CA · Remote

$25 - $29/hr

... mortgage commitments into Encompass. · Reconciling daily locks. · Resolving price discrepancies at the time of lock · Other duties may be assigned. Preferred Qualifications and Experience · ...

AD Mortgage

Lock Desk Specialist

Troy, MI · On-site

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 ...

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 ...

Elevations Credit Union

Lock Desk Analyst

Broomfield, CO · On-site

$22.51 - $30.95/hr

Lock Desk Analyst Broomfield, Colorado, United States When joining Elevations, you can expect to ... This position supports mortgage pricing, pipeline monitoring, investor delivery activities, and ...

Elevations Credit Union

Lock Desk Analyst

Broomfield, CO · On-site

$22.51 - $30.95/hr

The Lock Desk Analyst serves as the primary pricing and lock desk resource for Mortgage Sales and ... This position supports mortgage pricing, pipeline monitoring, investor delivery activities, and ...

Elevations Credit Union

Lock Desk Analyst

Broomfield, CO · Hybrid

$22.51 - $30.95/hr

The Lock Desk Analyst serves as the primary pricing and lock desk resource for Mortgage Sales and ... This position supports mortgage pricing, pipeline monitoring, investor delivery activities, and ...

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 ...

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 ...

Crosscountrymortgage

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 ...

Crosscountrymortgage

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 ...

Village Capital & Investment

Lock Desk Agent

Hildale, UT · On-site

$13.75 - $17.75/hr

Lock Desk AgentLocation: Hildale, UTJob Type: Full-timeCompany: Village Capital & Investment ... Village Capital is a well-established mortgage company committed to delivering a quick, efficient ...

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How much do mortgage lock desk jobs pay per hour?

As of Sep 14, 2026, the average hourly pay for mortgage lock desk in the United States is $20.67, according to ZipRecruiter salary data. Most workers in this role earn between $19.95 and $21.39 per hour, depending on experience, location, and employer.

What is a mortgage lock desk?

A Mortgage Lock Desk job involves managing interest rate locks for mortgage loans. Professionals in this role ensure loan rates are locked in accurately, process lock requests from loan officers, and monitor market fluctuations. They work closely with lenders, underwriters, and borrowers to confirm rate commitments and prevent pricing discrepancies. The position requires strong attention to detail, knowledge of mortgage products, and the ability to work in a fast-paced financial environment.

What are the key skills and qualifications needed to thrive in the mortgage lock desk position?

To thrive in a Mortgage Lock Desk role, you need strong analytical skills, attention to detail, and a solid understanding of mortgage products and loan processes, typically supported by experience in the mortgage industry or a related field. Familiarity with loan origination systems, pricing engines, and regulatory compliance tools is essential. Excellent communication, time management, and problem-solving abilities are valuable soft skills in this position. These skills ensure accurate loan rate locks, efficient processing, and effective collaboration with loan officers, underwriters, and other stakeholders.

What are some typical challenges faced by professionals working on a mortgage lock desk?

Professionals on a Mortgage Lock Desk often manage tight deadlines and fluctuating market rates, requiring them to process rate lock requests quickly and accurately. They must frequently coordinate with loan officers, underwriters, and secondary market teams to resolve discrepancies and ensure compliance with investor guidelines. Balancing high transaction volumes while preventing costly errors or missed rate lock expirations is a key challenge. Overcoming these obstacles helps ensure loans are priced competitively and delivered smoothly, which directly impacts client satisfaction and organizational success.

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Mortgage Lock Desk jobs near you
Infographic showing various Mortgage Lock Desk job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 80% Full Time, 17% Part Time, 1% Temporary, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $43,000 per year, or $20.7 per hour.

LOCK DESK SPECIALIST

Sacramento, CA • On-site

American Pacific Mortgage
1 - 5K employees
Learn more about American Pacific Mortgageexternal

$25 - $27/hr

Full-time

Re-posted 18 days ago

Job description

 
 

Job Title:    Lock Desk Specialist  

Hybrid Position/Roseville, CA



Essential Duties and Responsibilities:

  • This position works directly with branches, loan officers and loan processors by directing phone calls and emails to Lock Desk Specialists.  Duties include but are not limited to:
  • Answer phone calls with questions from loan officer
  • Monitor lock desk email Inbox and assign emails to individual Lock Desk Specialists
  • Provide loan scenario pricing and respond to product eligibility questions quickly and accurately when needed
  • Maintain pricing/lock data within the company’s LOS system
  • Process locks, changes, relocks, and extension requests
  • Lock loans with investors 
  • Provide support and answer questions regarding the rate lock process
  • Resolve and/or escalate complex loan scenarios to appropriate resources
  • Troubleshoot pricing discrepancies and take steps to resolve any issues
  • Maintain general mortgage compliance knowledge and complete annual recertification of training
  • Other miscellaneous tasks as needed and assigned by the Secondary Marketing

Qualifications/Requirements:


  • Secondary Marketing/Lock Desk experience in the mortgage industry a plus
  • Optimal Blue and Encompass experience is a plus
  • Must be able to effectively and positively communicate with branch offices, investors and co-workers
  • Effectively analyze and resolve problems at a functional level with branch offices, closing agents, underwriting, compliance and all other co-workers
  • Self-starter with the ability to complete a project from start to finish while needing little to no supervision
  • Utilize required software packages, including but not limited to:  Encompass, Microsoft Word, Microsoft Excel, Adobe Acrobat


‘American Pacific Mortgage Corporation is an equal opportunity employer.  All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.’

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