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Mortgage Underwriter Jobs (NOW HIRING)

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

Gateway First Bank

Mortgage Underwriter

Plano, TX · On-site

Mortgage Underwriter JOB SUMMARY: Responsible for underwriting designated residential loans by analyzing credit data to ensure compliance with investor and company guidelines and requirements.

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

Experience underwriting DSCR and rental investment loans * Experience with Ground-Up Construction loans * Familiarity with Encompass or other mortgage/loan CRM systems * Strong knowledge of investor ...

Nastech Global

Mortgage Underwriter

Cincinnati, OH · On-site

Mortgage Underwriter Location: Cincinnati, OH(Onsite) Job Type: Full Time Knowledge/Experience: * Minimum 24-36 months of conventional mortgage underwriting/QA/QC experience * Knowledge of the full ...

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How much do mortgage underwriter jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for mortgage 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 underwriter do?

A mortgage underwriter determines whether to approve or decline a request for a loan based on the credit, collateral, and capacity of the borrower. As a mortgage underwriter, you typically work on both commercial and residential transactions. Your responsibilities include managing the risk for the lender and verifying the information on applications. Your duties also include working with specially designed software to help make financially sound decisions. Some positions involve a sales component where you actively solicit new business or form partnerships with realtors. A mortgage underwriting job is usually full-time and may require frequent travel to meet with clients onsite.

What does a mortgage underwriter do?

A Mortgage Underwriter is responsible for evaluating and assessing loan applications to determine if a borrower qualifies for a mortgage. They review financial documents such as credit reports, income statements, and property appraisals to ensure all guidelines and regulations are met. The underwriter's decision helps lenders manage risk and ensures that loans are only approved for qualified applicants.

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

To thrive as a Mortgage Underwriter, you need a solid understanding of lending regulations, risk assessment, and financial analysis, often supported by a background in finance, business, or accounting. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS) like DU or LP, and relevant certifications such as the Certified Mortgage Underwriter (NAMU-CMU) are typically required. Strong attention to detail, analytical thinking, and effective communication skills help you evaluate complex applications and collaborate with loan officers. These capabilities are crucial for accurately assessing borrower risk, ensuring regulatory compliance, and maintaining the integrity of the lending process.

What are some common challenges mortgage underwriters face during the loan approval process?

Mortgage underwriters often encounter challenges such as assessing complex financial documents, identifying potential fraud, and ensuring compliance with ever-changing lending regulations. They must balance thorough risk assessment with timely decision-making to meet tight deadlines and maintain customer satisfaction. Additionally, underwriters frequently collaborate with loan officers and processors to clarify borrower information and resolve discrepancies, which requires strong communication and problem-solving skills.

What is the difference between Mortgage Underwriter vs Loan Processor?

AspectMortgage UnderwriterLoan Processor
CredentialsTypically requires mortgage licensing, underwriting certifications, or related trainingRequires loan processing training, sometimes mortgage licensing, but less specialized
Work EnvironmentAnalyzes loan applications, reviews financial documents, and assesses riskPrepares and organizes loan documents, communicates with applicants and lenders
Employer & IndustryFinancial institutions, mortgage lenders, banksMortgage companies, banks, credit unions

The main difference is that mortgage underwriters evaluate the risk of a loan application and make approval decisions, while loan processors handle the documentation and preparation process to ensure all required information is complete for underwriting.

Is it hard to become a mortgage underwriter?

Becoming a mortgage underwriter typically requires a high school diploma or equivalent, with many employers preferring candidates with a bachelor's degree in finance, business, or a related field. The role involves understanding loan documentation, credit analysis, and industry regulations, often requiring on-the-job training or certification such as the Mortgage Underwriting Certification. While the job can be competitive, gaining relevant experience and developing strong analytical skills can facilitate entry into the field.

Is mortgage underwriting a stressful job?

Mortgage underwriting can be a stressful job due to tight deadlines, high accuracy requirements, and the need to assess financial risk accurately. Underwriters often work in fast-paced environments and must review complex financial documents, which can contribute to job pressure. However, workload and stress levels vary depending on the employer and individual experience.

What qualifications do you need to be a mortgage underwriter?

To become a mortgage underwriter, candidates typically need a high school diploma or equivalent, with many employers preferring a bachelor's degree in finance, economics, or a related field. Relevant skills include attention to detail, analytical ability, and experience with underwriting software or financial analysis. Certifications such as the Mortgage Bankers Association's Certified Mortgage Underwriter (CMU) can enhance job prospects.
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Mortgage Underwriter jobs near you
Infographic showing various Mortgage Underwriter job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 77% Physical, 4% Hybrid, and 19% Remote job distribution, with an average salary of $61,902 per year, or $29.8 per hour.

Mortgage Underwriter

HUNT Mortgage Corporation

Buffalo, NY

$65K - $75K/yr

Full-time

Posted yesterday

New

Job description

Description

Position SummaryWe are seeking an experienced, knowledgeable, and detail-oriented Mortgage Underwriter to join our team. This position is responsible for evaluating residential mortgage loan applications and making sound credit decisions while maintaining a strong commitment to quality, compliance, and timely service.
The ideal candidate will have a minimum of three years of mortgage underwriting experience and comprehensive knowledge of Conventional, FHA, and VA lending guidelines. Candidates holding an FHA Direct Endorsement (DE) designation and/orVA LAPP/SAR designation are strongly preferred.
This role requires an underwriter who can independently analyze complex loan scenarios, exercise sound judgment, clearly communicate underwriting decisions, and work collaboratively with Mortgage Consultants, processors, and other members of thelending team.
Key Responsibilities
  • Review and underwrite residential mortgage loan applications for compliance with applicable Fannie Mae, Freddie Mac, FHA, VA, investor, and company guidelines.
  • Analyze borrower creditworthiness, including credit history, income and employment, assets, liabilities, and other financial documentation.
  • Review property and collateral documentation, including appraisals, title information, and other required documentation.
  • Accurately calculate qualifying income for salaried, variable-income, self-employed, rental-income, and other borrower scenarios.
  • Make independent and well-supported underwriting decisions, including approvals, suspensions, and denials.
  • Issue clear, concise, and appropriate underwriting conditions and communicate the reasoning behind underwriting decisions when necessary.
  • Review Automated Underwriting System findings, including Desktop Underwriter (DU) and Loan Product Advisor (LPA), and ensure all applicable requirements are satisfied.
  • Maintain compliance with FHA, VA, Fannie Mae, Freddie Mac, investor, regulatory, and internal lending requirements.
  • Communicate effectively and professionally with Mortgage Consultants, processors, closers, management, and other stakeholders to resolve loan-level questions and conditions.
  • Identify potential risks, inconsistencies, or documentation concerns and escalate significant issues when appropriate.
  • Maintain current knowledge of changing agency, investor, regulatory, and company guidelines.
  • Assist with quality control, audits, post-closing reviews, investor inquiries, and loan-level documentation requests as needed.
  • Manage an underwriting pipeline efficiently while meeting established turn-time and service-level expectations.
  • Contribute to a collaborative team environment focused on responsible lending, exceptional service, and getting loans to the closing table.

Requirements

Required Qualifications

  • Minimum of 3 years of residential mortgage underwriting experience.
  • Strong working knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines.
  • Demonstrated ability to analyze complex income, asset, credit, and collateral documentation.
  • Strong analytical skills with the ability to make independent, risk-based credit decisions.
  • Excellent written and verbal communication skills.
  • Exceptional attention to detail, accuracy, and organization.
  • Ability to effectively manage multiple files, priorities, and deadlines in a production-oriented environment.
  • Ability to communicate underwriting conditions and decisions clearly and professionally.
  • Proficiency with mortgage loan origination and underwriting technology, including Encompass, Desktop Underwriter (DU), and Loan Product Advisor (LPA).


Preferred Qualifications

  • FHA Direct Endorsement (DE) designation strongly preferred.
  • VA LAPP/SAR designation preferred.
  • Experience underwriting a broad mix of Conventional, FHA, and VA purchase and refinance transactions.
  • Experience working in a fast-paced mortgage banking environment.


Education

  •  High school diploma or equivalent required.
  • Bachelor's degree in finance, business, accounting, or a related field preferred.

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