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Mortgage Lock Desk Jobs (NOW HIRING)

Guild Mortgage

Mortgage Trader

San Diego, CA · On-site

$99K - $150K/yr

Guild Mortgage Company , closing loans and opening doors since 1960. As a mortgage banking firm we ... Lock Desk responsibilities and performing other duties as assigned. Compensation This role is an ...

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How much do mortgage lock desk jobs pay per hour?

As of Aug 9, 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 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.

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.

More about Mortgage Lock Desk jobs
What cities are hiring for Mortgage Lock Desk jobs? Cities with the most Mortgage Lock Desk job openings:
What are the most commonly searched types of Mortgage Lock Desk jobs? The most popular types of Mortgage Lock Desk jobs are:
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What job categories do people searching Mortgage Lock Desk jobs look for? The top searched job categories for Mortgage Lock Desk jobs are:
Mortgage Lock Desk jobs near you
Infographic showing various Mortgage Lock Desk job openings in the United States as of August 2026, with employment types broken down into 77% Full Time, 20% Part Time, 1% Temporary, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $43,000 per year, or $20.7 per hour.

Secondary Marketing Analyst II

First Federal Bank

Mandeville, LA • On-site

Full-time

Medical, Life, Retirement, PTO

Re-posted 8 days ago

Job description

At First Federal Bank, core values speak to the heart of an organization and are the essence of a company's identity. Everything we do is centered around our community, customer service, our stability, and being trustworthy. These values support our mission and vision, shape our culture, and provide a foundation for the future.
Offering a dynamic benefit package that includes but is not limited to:
  • Four Medical Plan Offerings to choose from
  • Employer HSA Contributions (Coverage/Plan exclusions)
  • Employer Provided Life Insurance Policy
  • Annual Health Incentive
  • Annual Wellness Reimbursement
  • Tuition Reimbursement program
  • Generous Match 401k Retirement Plan
  • Paid Sick Leave
  • Paid Vacation Leave
  • 11 Paid Holidays Based on the Federal Reserve Calendar

If you are ready to take on a challenging and rewarding role; we invite you to apply for this exciting opportunity.
JOB PURPOSE:
Performs functions required to price, commit and record a residential loan in a timely and accurate fashion. Provides support for the Residential Production channels by creating daily rate sheets for the Bank and keeping accurate lock and pricing information on Loan Origination System. Testing of new software updates for proper lock desk functions prior to release to retail Production environment. Work with software developers to resolve functionality and improve performance as it relates to lock actions. Additional projects and assignments may also be required from time to time.
ESSENTIAL FUNCTIONS:
  • Performs all necessary functions to price and record a loan as an earning asset for the Bank.
  • Includes committing loans to investor contracts and timely and accurate data entry of those contracts into the tracking and LOS system.
  • Validates that all initial lock pricing is accurate and the timely reporting of those locks to our third party hedge provider, Compass Analytics.
  • Reviews and performs any change requests made by other department for the loan data within this system and reviews those changes for pricing effects.
  • Ensure software applications meet business requirements and suggest enhancements to improve ease of use and reliability.
  • Maintain exception reports for any pricing discrepancies and waivers from multiple business channels for monthly Residential and Board reporting.
  • Employee's role may include training the Lock Desk personal to provide rate sheets and cover lock desk functions as needed across different LOS platforms and support systems.
  • Cross sell products whenever possible.
  • Provides the best service to our customers with innovative and creative solutions.

JOB REQUIREMENTS:
  • Position requires at least 5 years prior experience with automation of complex data transfers, Microsoft office automation, in a banking, mortgage production firm or similar residential mortgage specific environment.
  • Excellent written and verbal communication skill is required.
  • Advanced computer skills are required and Excel spreadsheet creation is expected in presentable, business format.
  • FFBF lock desk is available until 6:00PM ET, so later work hours will be assigned on a rotating basis.
  • Ability to deal with time constraints and strong attention to detail required.
  • Periodic travel and periodic scheduled office time in Lake City for training and backup purposes may be required.
  • Extended hours sitting and performing computer tasks are expected from employee with high degree of accuracy.
  • Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank.

Bilingual candidates encouraged to apply
Equal Opportunity Employer / Vet / Disability
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