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Mortgage Quality Control Jobs (NOW HIRING)

Sonabank

Mortgage Quality Control Specialist

$26.49 - $39.19/hr

High school diploma or equivalent required * 3-5 years of mortgage operations, QC, underwriting or compliance experience * Extensive underwriting experience is preferred * Experience with responding ...

Bakertilly

OR · On-site

$15.97/hr

The Mortgage QC Verifications Processor is responsible for performing post-closing quality control (QC) reverifications in accordance with Fannie Mae, Freddie Mac, HUD, and VA guidelines. This role ...

SRM Digital

Mortgage Underwriter

Cincinnati, OH · On-site

The Mortgage QC Underwriter is responsible for rendering QC on closed loan files. He has to check that credit decisions on incoming applications consistent with underwriting policies, underwriting ...

Bakertilly

OR · On-site

$15.97/hr

The Mortgage QC Verifications Processor is responsible for performing post-closing quality control (QC) reverifications in accordance with Fannie Mae, Freddie Mac, HUD, and VA guidelines. This role ...

SoFi

Home Loans Post Closing Quality Control Analyst

Frisco, TX · Remote

$22.50 - $30.25/hr

Our Mortgage team is at the forefront of this, ensuring that the dream of homeownership is built on a foundation of integrity and precision. We are looking for a Post Closing Mortgage Quality Control ...

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Mortgage Quality Control information

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How much do mortgage quality control jobs pay per hour?

As of Jun 9, 2026, the average hourly pay for mortgage quality control in the United States is $21.48, according to ZipRecruiter salary data. Most workers in this role earn between $17.31 and $24.04 per hour, depending on experience, location, and employer.

What is the difference between Mortgage Quality Control vs Mortgage Underwriter?

AspectMortgage Quality ControlMortgage Underwriter
Primary RoleReview and audit mortgage files for compliance and accuracyAssess loan applications to determine approval or denial
CertificationsTypically requires compliance and quality assurance certificationsOften requires mortgage or loan underwriting certifications
Work EnvironmentOffice-based, focused on audits and reviewsOffice or remote, involved in loan evaluation
Industry UsageUsed in mortgage lending companies for quality assuranceUsed in banks, lenders, and mortgage companies for loan approval

Mortgage Quality Control professionals focus on reviewing mortgage files for compliance and accuracy, ensuring quality standards are met. Mortgage Underwriters evaluate loan applications to decide whether to approve or deny a loan. While both roles require knowledge of mortgage regulations and certifications, their functions differ: Quality Control emphasizes audits, whereas Underwriters focus on loan approval decisions.

What is Mortgage Quality Control?

Mortgage Quality Control refers to the process of reviewing and monitoring mortgage loans to ensure they comply with federal, state, and investor guidelines. This role involves performing audits, identifying errors or fraud, and recommending corrective actions to maintain loan quality. Quality control in mortgages helps protect lenders from risk, ensures regulatory compliance, and improves overall loan performance. Professionals in this field may work for banks, mortgage lenders, or third-party auditing firms.

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

To thrive as a Mortgage Quality Control specialist, you need in-depth knowledge of mortgage underwriting guidelines, regulatory compliance, and loan documentation review, typically supported by experience in mortgage lending or auditing. Familiarity with loan origination systems (LOS), automated underwriting systems, and quality control software is commonly required, along with certifications such as Certified Mortgage Compliance Professional (CMCP) being advantageous. Exceptional attention to detail, analytical thinking, and effective communication are vital soft skills for identifying discrepancies and collaborating with teams. These skills ensure accurate risk assessment, regulatory compliance, and the overall integrity of the mortgage process.

What are some common challenges faced in a Mortgage Quality Control role, and how can they be managed effectively?

Professionals in Mortgage Quality Control often encounter challenges such as staying updated with frequent regulatory changes, ensuring thorough documentation, and identifying discrepancies within large volumes of loan files. Managing these challenges effectively requires strong attention to detail, continuous learning about industry regulations, and effective communication with loan officers and underwriters to resolve issues. Many organizations provide ongoing training and utilize advanced audit software, which can streamline workflows and help teams maintain compliance while minimizing errors.
More about Mortgage Quality Control jobs
What cities are hiring for Mortgage Quality Control jobs? Cities with the most Mortgage Quality Control job openings:
What are the most commonly searched types of Mortgage Quality Control jobs? The most popular types of Mortgage Quality Control jobs are:
What states have the most Mortgage Quality Control jobs? States with the most job openings for Mortgage Quality Control jobs include:
What job categories do people searching Mortgage Quality Control jobs look for? The top searched job categories for Mortgage Quality Control jobs are:
Mortgage Quality Control jobs near you
Infographic showing various Mortgage Quality Control job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $44,668 per year, or $21.5 per hour.

Mortgage Quality Control Specialist

Sonabank

Remote

$26.49 - $39.19/hr

Full-time

Posted 5 days ago

Job description

Position Summary: The Quality Control Specialist supports loan quality and risk mitigation by reviewing monthly QC and investor findings, conducting file investigations, and ensuring timely, accurate remediation. The role identifies trends and operational risks, recommends process improvements, and collaborates with Compliance, Operations, and Underwriting to maintain adherence to agency guidelines and federal/state mortgage regulations. The specialist also assists with regulatory exams, audits, and corrective action efforts.
Essential Functions
  • Monthly QC Review & Remediation
    • Analyze pre-fund and post closing QC findings for accuracy, trends, and root causes.
    • Coordinate with loan production and operations teams to obtain documentation, clarify issues, and validate corrective actions.
    • Draft responses and ensure timely submission within required deadlines.
    • Track and monitor remediation to ensure issues are fully resolved.
  • Investor QC
    • Review investor QC findings and repurchase requests.
    • Conduct detailed file investigations to determine validity of findings.
    • Prepare rebuttals, supporting documentation, and escalation packages when appropriate and provide a timely response to Compliance.
  • Risk Identification & Process Improvement
    • Identify recurring issues, systemic gaps, and operational risks.
    • Recommend and support implementation of process improvements, policy updates, and training initiatives.
  • Regular, reliable, and predictable attendance.

Marginal Functions
  • Regulatory Exams & Audit Support
    • Assist Compliance in gathering documentation for federal/state examinations and internal/external audits.
    • Assist Compliance with responses to exam findings, audit observations, and management action plans.
    • Assist Compliance with corrective actions and ensure ongoing compliance with regulatory expectations.
  • Cross-Functional Collaboration
    • Work closely with Compliance, Underwriting, Closing, Post-Closing, and Secondary teams when needed.
    • Work with Compliance on identifying QC trends and maintaining compliance with regulatory requirements to prevent future findings.
  • Maintain compliance with and adhere to all state and federal regulations and Bank policies and procedures, including, but not limited to Bank Secrecy Act, SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, and fair employment practices.
  • All other duties as assigned.

Minimum Educational & Experience Requirements
  • High school diploma or equivalent required
  • 3-5 years of mortgage operations, QC, underwriting or compliance experience
  • Extensive underwriting experience is preferred
  • Experience with responding to audits, exams, and investor QC findings
  • Advanced understanding of agency/investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA)
  • Advanced understanding with federal and state mortgage regulations (TILA, RESPA, ECOA, HMDA)

Minimum Skill Requirements
  • Professional and effective verbal and written communications
  • Demonstrated ability to manage multiple deadlines
  • Exceptional analytical and investigative skills
  • High degree of detail orientation
  • Demonstrated judgment and decision-making ability
  • Demonstrated knowledge of loan products and down payment assistance programs
  • Strong organizational skills
  • Ability to work independently with minimal supervision
  • Proficient with MS Office

Physical Demands
In terms of an 8-hour workday, "occasional" equals 1% to 33%, "frequent" equals 34% to 66% and "continuous" equals 67% to 100%. However, some duties are performed monthly, annually or sporadically throughout the year and are essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions of the position, if the accommodation does not impose an undue hardship that would require significant difficulty or expense.
  • Continuous stationary position, particularly, but not limited to, at a desktop computer
  • Continuous repetitive use of hands/arms; particularly concerning to typing, writing, phone & computer use
  • Continuous communication: verbal and written, in-person, phone and electronic

Work Environment
  • Office environment; remote and hybrid flexibility if determined by management.

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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