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Mortgage Processor Jobs in Spring, TX (NOW HIRING)

Guild

Loan Processor III

Houston, TX · On-site

$38K - $52K/yr

Guild Mortgage Company , closing loans and opening doors since 1960. As a mortgage banking firm we ... Position Summary Process and pre-underwrite conventional, FHA, VA and Bond mortgage loans to ensure ...

Guild

Loan Processor I

Houston, TX · On-site

$38K - $52K/yr

Guild Mortgage Company , closing loans and opening doors since 1960. As a mortgage banking firm we ... Position Summary Process residential mortgage loans. Achieve production and quality metrics.

BOK Financial

Mortgage Banker

Bellaire, TX · On-site

Mortgage Banking Pay Transparency Salary Range: Not Available Application Deadline: 08/31/2026 BOK ... You'll generate business and close on time to ensure a seamless lending process. * You'll collect ...

BOK Financial

Mortgage Banker

Bellaire, TX

Mortgage Banking Pay Transparency Salary Range: Not Available Application Deadline: 08/31/2026 BOK ... You'll generate business and close on time to ensure a seamless lending process. * You'll collect ...

BOK Financial

Mortgage Banker

Bellaire, TX · On-site

Mortgage Banking Pay Transparency Salary Range: Not Available Application Deadline: 08/31/2026 BOK ... You'll generate business and close on time to ensure a seamless lending process. * You'll collect ...

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All JobsMortgage Processor JobsMortgage Processor Jobs in Spring, TX

Mortgage Processor information

See Spring, TX salary details

$25.4K

$45.3K

$84.1K

How much do mortgage processor jobs pay per year?

As of Jun 25, 2026, the average yearly pay for mortgage processor in Spring, TX is $45,298.00, according to ZipRecruiter salary data. Most workers in this role earn between $35,600.00 and $48,900.00 per year, depending on experience, location, and employer.

What does a processor do for a mortgage?

A mortgage processor reviews and verifies all necessary documentation, such as income, employment, and credit information, to ensure it meets lender requirements. They compile and submit the application package for approval, coordinate with borrowers and underwriters, and track the loan's progress throughout the approval process.

What are the most common challenges faced by mortgage processors, and how can they be managed effectively?

Mortgage processors often encounter tight deadlines and frequent changes in documentation requirements, which can make staying organized challenging. Managing multiple loan files at different stages of completion requires strong attention to detail and effective communication with loan officers, underwriters, and clients. To succeed, it's helpful to develop robust organizational systems, stay updated on lending guidelines, and build excellent relationships with team members to quickly resolve any issues that arise during the process.

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

To thrive as a Mortgage Processor, you need a solid understanding of loan products, mortgage regulations, and financial documentation, typically supported by experience in the finance or real estate industry. Familiarity with loan origination systems (LOS), automated underwriting tools, and compliance software is essential. Strong organizational skills, attention to detail, and effective communication set outstanding processors apart. These skills ensure accurate, timely processing of loan applications, minimizing errors and delays while maintaining regulatory compliance.

What are mortgage processors?

Mortgage processors are professionals who handle and organize the documentation and information required to process a mortgage loan application. They act as a liaison between the borrower, loan officer, and underwriter, ensuring that all necessary paperwork is complete, accurate, and submitted on time. Their responsibilities include verifying employment and financial information, ordering credit reports, coordinating appraisals, and tracking the progress of the loan application to ensure it moves smoothly toward approval and closing.

How much does a loan officer make on a $500,000 loan?

A mortgage processor typically does not earn a commission based on loan amounts; however, loan officers often earn a commission or fee that can range from 0.5% to 1% of the loan amount. For a $500,000 loan, this could translate to $2,500 to $5,000 in commissions or fees, depending on the compensation structure and company policies.

Will MLO be replaced by AI?

Mortgage processors (MLOs) perform tasks such as verifying documents and assessing borrower information, which currently require human judgment and communication skills. While AI can automate some repetitive tasks, it is unlikely to fully replace MLOs soon, as complex decision-making and customer interaction remain essential in mortgage processing. Professionals in this field may need to adapt by developing skills in technology and data analysis.

How much do processors get paid?

Mortgage processors typically earn between $40,000 and $65,000 annually, depending on experience, location, and employer. Some may also receive bonuses or benefits, and proficiency with loan processing software can influence salary levels.
More about Mortgage Processor jobs
What are the most commonly searched types of Mortgage Processor jobs in Spring, TX? The most popular types of Mortgage Processor jobs in Spring, TX are:
What are popular job titles related to Mortgage Processor jobs in Spring, TX? For Mortgage Processor jobs in Spring, TX, the most frequently searched job titles are:
What job categories do people searching Mortgage Processor jobs in Spring, TX look for? The top searched job categories for Mortgage Processor jobs in Spring, TX are:
What cities near Spring, TX are hiring for Mortgage Processor jobs? Cities near Spring, TX with the most Mortgage Processor job openings:
Mortgage Processor jobs near you
Loan Processor III

Loan Processor III

Guild

Houston, TX • On-site

$38K - $52K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 5 days ago

Job description

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
Process and pre-underwrite conventional, FHA, VA and Bond mortgage loans to ensure compliance with Company, secondary market investor, and government agency standards. Achieve production and quality metrics. Liaison between loan officer, borrower, underwriter and funding. Prepare and review loan file to ensure completeness of submission and supporting documents, as well as compliance with underwriting and investor guidelines. Monitor overall loan processing cycle time to ensure the loan closes on time. Communicate and coordinate the resolution of issues that delay loan closing timeline. "Go to" subject matter expert/lead when Supervisor/Lead is not available.
Essential Functions
  • The processor is to become the contact for non-licensed activity once the loan is submitted to them.
  • Monitor the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of loans.
  • Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation.
  • Identify potential issues and communicate to consumer and loan officer.
  • Order and review all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc. to identify and address potential issues.
  • Stay current with federal, state regulations, policies and industry trends.
  • Check ratios and verify accuracy of AUS findings and program applicability.
  • Review and verify documentation integrity to ensure it aligns with findings, completeness and compliance, and submit loan file to underwriting for approval.
  • Identify qualifying/program issues prior to submission to Underwriting, and re-structure loan as necessary.
  • Provide options within guidelines and makes recommendations if borrowers may qualify for suitable programs.
  • Update and verify accuracy of data input into system.
  • Verify compliance with Company standards, federal and agency regulations, standards, and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.
  • Obtain and verify clearance of all underwriting conditions and prepare the file for submission to Closing.
  • Order generation of loan documents.
  • Coach and provide guidance to less experienced Processors as needed.
  • Use and modify templates to compose professional correspondence and emails.
  • Provide status updates to Loan Officers and/or borrowers.

Qualifications
  • High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred.
  • Total recent work experience includes five or more years' experience as a Loan Processor, preferably processing conventional and FHA loans along with at least two years of experience processing VA and Bond mortgage loans.
  • Ability to build strong relationships with loan officers, production, underwriting, closing and other internal and external partners.
  • Expert knowledge of overall mortgage lending internal processes and control, as well as federal, state, and regulatory requirements/guidelines related to consumer mortgage lending for conventional, FHA, VA and Bond mortgage loans.
  • Expert knowledge of conventional, FHA, VA and Bond mortgage loans, including various product/program guidelines, necessary conditions for approval, and investor specific guidelines.
  • Expert knowledge in new construction documentation and condominium projects.
  • Expert knowledge of valid documentation related to processing consumer mortgage applications (e.g., complex tax returns, financial statements and records, verification of income and deposits, etc.).
  • Sound judgment, ability to think critically, including the ability to evaluate facts and data to draw conclusions, determine the downstream impact of decisions and associated risks.
  • Ability to prioritize multiple tasks in a deadline-driven environment, strong sense of urgency and responsiveness.
  • Excellent customer service, interpersonal, verbal and written communication skills
  • Intermediate math skills.
  • Strong verbal and written communication skills.
  • Strong detail orientation and highly organized.
  • Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs.

Company Required Skills
  • Excellent verbal and written communication skills required.
  • Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required.
  • Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and
    third-party software applications required.
  • Commitment to company values.
  • Customer Service - Proactive attention to each person
  • Integrity - Do and say what's right
  • Respect - Treat others with dignity
  • Collaboration - Listen and work together
  • Learning - Seek knowledge and strive for improvement
  • Excellence - Deliver the unexpected

Supervision
  • Depending on experience, supervision is intermittent to infrequent
  • Depending on experience moderate to high level of independent judgment and discretion related to area(s) of specialization
  • May provide guidance to less experienced team members to resolve/escalate issues of high complexity
  • Exercise sound judgment in executing core job responsibilities
  • Average monthly pipeline is 14 loans.
  • Travel: 0%

Requirements
Physical: Work is primarily sedentary; mobility in an office setting.
Manual Dexterity: Frequent use of computer keyboard and mouse.
Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Environmental: Office environment - no substantial exposure to adverse environmental conditions.
Statement
This document describes the general content and identifies essential functions and requirements for performing this position. It is not intended to be an exhaustive statement of duties, responsibilities, or requirements. Guild Mortgage complies with the ADA and considers reasonable accommodation measures that may be necessary for eligible applicants/employees to perform essential job functions. Employment with Guild Mortgage is "at-will," meaning that either the Company or an employee may terminate the employment relationship at any time, with or without cause, advance notice or stated justification.
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
Target Salary Range: $ - $
This position offers eligibility for incentive compensation.
Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.
Target Salary: $60,000 - $80,000
Equal Opportunity Employer
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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