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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 ...

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 ...

Victorian Finance

Mortgage Underwriter

Description FHA/VA/USDA Mortgage Underwriter We are looking for a detail-oriented mortgage underwriter to grow with our team! You'll be responsible for analyzing and verifying real estate loan ...

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Mortgage Underwriter information

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How much do mortgage underwriter jobs pay per hour?

As of Aug 11, 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 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 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 Underwriter Certification (MU) can enhance job prospects.

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 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.

Is it hard to become a mortgage underwriter?

Becoming a mortgage underwriter requires a strong understanding of loan guidelines, financial analysis skills, and often a relevant certification such as the Mortgage Bankers Association's certification. While some entry-level positions are available, advancing in the field may require experience and knowledge of underwriting software and regulations, making it moderately challenging for newcomers.

Is mortgage underwriting a stressful job?

Mortgage underwriting can be stressful due to strict deadlines, detailed financial analysis, and the need for accuracy to assess risk. Underwriters often work in fast-paced environments and must stay current with lending regulations, which can contribute to job pressure.

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.

More about Mortgage Underwriter jobs
What cities are hiring for Mortgage Underwriter jobs? Cities with the most Mortgage Underwriter job openings:
What are the most commonly searched types of Mortgage Underwriter jobs? The most popular types of Mortgage Underwriter jobs are:
Who are the top companies hiring for Mortgage Underwriter jobs? The top employers for Mortgage Underwriter jobs are:
What states have the most Mortgage Underwriter jobs? States with the most job openings for Mortgage Underwriter jobs include:
What job categories do people searching Mortgage Underwriter jobs look for? The top searched job categories for Mortgage Underwriter jobs are:
What are popular job titles related to Mortgage Underwriter jobs? For Mortgage Underwriter jobs, the most frequently searched job titles are:
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 86% Full Time, 6% Part Time, and 8% Contract. Highlights an 84% Physical, 3% Hybrid, and 13% Remote job distribution, with an average salary of $61,902 per year, or $29.8 per hour.

Mortgage Underwriter

LBC Mortgage

North Hollywood, CA • On-site

Full-time

Re-posted 28 days ago

Job description

About LBC Mortgage

LBC Mortgage is a Los Angeles–based mortgage company with over 20 years of industry experience. Alongside our traditional mortgage business, we operate a fast-growing Private Money / Hard Money Lending Division, focused on funding real estate investment loans with speed, accuracy, and strong risk management.

We are looking for a skilled Hard Money Underwriter who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving.

Responsibilities
  • Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.)
  • Review loan files and borrower documentation (credit, assets, entity docs, income where applicable)
  • Analyze property details, exit strategies, deal structure, and overall risk
  • Calculate and validate LTV, ARV, LTC, rehab budgets, and timelines
  • Review appraisals, comps, and market data to confirm property value and feasibility
  • Issue approvals and conditions, ensuring fast and clear communication with the team
  • Work closely with Loan Officers, Processors, and Management to move loans efficiently
  • Identify red flags early and provide clear recommendations
  • Ensure adherence to internal guidelines and lending policies
Requirements
  • 2+ years of underwriting experience in Hard Money / Private Lending (required)
  • Strong understanding of Fix & Flip and Bridge loan underwriting
  • Ability to evaluate ARV-based deals, rehab scopes, and budgets
  • Strong knowledge of appraisals, title reports, insurance, and entity structures
  • Strong attention to detail and ability to work in a high-volume, fast-paced environment
  • Excellent communication skills and ability to make confident decisions
Preferred Qualifications
  • 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 real estate lending across multiple states
Why Join LBC Mortgage
  • Established company with strong leadership and long-term stability
  • Growing private lending division with strong pipeline
  • Opportunity for career growth into Senior Underwriter / Underwriting Manager role
  • Competitive compensation based on experience
  • Remote flexibility and supportive team environment