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Mortgage Underwriter Trainee Jobs (NOW HIRING)

Rapid Mortgage

Mortgage Underwriter - DE/SAR

Must have current or recent loan-level underwriting authority (not a trainee or shadowing role ... mortgage company- apply now! Submit your resume with salary requirements included.

theLender

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Mortgage Underwriter - Trainer- In Office

Lake Forest, CA · On-site

$40 - $50/hr

Senior Mortgage Underwriter - Trainer Location: Lake Forest, CA | Schedule: Full-Time, 100% Onsite ... Coach trainees through credit, income, asset, collateral, and guideline scenarios. · Translate ...

theLender

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Mortgage Underwriter - Trainer- In Office

Lake Forest, CA · On-site

$40 - $50/hr

Senior Mortgage Underwriter - Trainer Location: Lake Forest, CA | Schedule: Full-Time, 100% Onsite ... Coach trainees through credit, income, asset, collateral, and guideline scenarios. · Translate ...

Prime Home Lending

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Mortgage Loan Officer Trainee

Southfield, MI · On-site

$28K - $300K/yr

As a Mortgage Loan Officer Trainee, you will learn the mortgage loan process while assisting ... Communicate with borrowers, lenders, processors, and underwriting teams * Follow up on applications ...

DR Horton, Inc.

Mortgage Mastery Trainee

Austin, TX · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Orlando, FL · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Lakeville, MN · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Kirkland, WA · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Austin, TX · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Charleston, SC · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Scottsdale, AZ · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Scottsdale, AZ · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Palm Bay, FL · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

DR Horton, Inc.

Mortgage Mastery Trainee

Schaumburg, IL · On-site

Horton, Inc. is currently looking for a Mortgage Mastery Trainee for their Corporate Mortgage ... Submit files to Underwriting. * Review conditions. * Provide loan status. * When all conditions are ...

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Mortgage Underwriter Trainee information

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$118K

How much do mortgage underwriter trainee jobs pay per year?

As of Sep 12, 2026, the average yearly pay for mortgage underwriter trainee in the United States is $115,687.00, according to ZipRecruiter salary data. Most workers in this role earn between $116,500.00 and $116,500.00 per year, depending on experience, location, and employer.

What does a mortgage underwriter trainee do?

A Mortgage Underwriter Trainee assists experienced mortgage underwriters in evaluating loan applications and determining a borrower's creditworthiness. Their duties typically include reviewing application documents, learning to assess financial information, and ensuring all paperwork complies with lending guidelines and regulations. Trainees gain hands-on experience and receive training in risk assessment, property valuation, and loan approval processes, eventually preparing them for a full underwriter role.

What are the key skills and qualifications needed to thrive as a mortgage underwriter trainee?

To thrive as a Mortgage Underwriter Trainee, you need strong analytical abilities, attention to detail, and a foundational understanding of financial principles, often supported by a degree in finance, business, or a related field. Familiarity with loan origination systems, credit analysis software, and relevant industry certifications such as FHA or VA guidelines is valuable. Excellent communication, organizational skills, and the ability to work under deadlines set top performers apart in this role. These skills ensure accurate risk assessment, regulatory compliance, and efficient processing of mortgage applications.

What are the typical challenges faced by a mortgage underwriter trainee during the learning process?

As a Mortgage Underwriter Trainee, one of the main challenges is getting up to speed with complex loan guidelines, risk assessment criteria, and regulatory requirements. Trainees often need to balance learning technical aspects, such as analyzing credit reports and property appraisals, with developing strong attention to detail and time management skills to handle multiple files at once. Support from experienced underwriters and ongoing training can help, but adapting to a fast-paced environment and making accurate decisions under supervision are key hurdles in the early stages.

What is the difference between Mortgage Underwriter Trainee vs Mortgage Underwriter?

AspectMortgage Underwriter TraineeMortgage Underwriter
CredentialsTypically requires a high school diploma or associate degree; some employers prefer related coursework or certificationsRequires relevant certifications (e.g., MLO license), experience, and advanced knowledge of underwriting
Work EnvironmentTraining-focused, supervised environment, often in bank or mortgage company officesIndependent decision-making, detailed analysis, and review of loan applications
Job ResponsibilitiesAssisting with loan reviews, learning underwriting guidelines, supporting senior underwritersEvaluating loan applications, assessing risk, approving or denying loans based on guidelines

The main difference is that a Mortgage Underwriter Trainee is in a learning phase, focusing on gaining skills and knowledge under supervision, while a Mortgage Underwriter is an experienced professional responsible for making final loan decisions based on thorough analysis.

More about Mortgage Underwriter Trainee jobs

What cities are hiring for Mortgage Underwriter Trainee jobs?

Cities with the most Mortgage Underwriter Trainee job openings:

What are the most commonly searched types of Mortgage Underwriter jobs?

The most popular types of Mortgage Underwriter jobs are:

What states have the most Mortgage Underwriter Trainee jobs?

States with the most job openings for Mortgage Underwriter Trainee jobs include:

What are popular job titles related to Mortgage Underwriter Trainee jobs?

For Mortgage Underwriter Trainee jobs, the most frequently searched job titles are:

Mortgage Underwriter Trainee jobs near you
Infographic showing various Mortgage Underwriter Trainee job openings in the United States as of September 2026, with employment types broken down into 91% Full Time, 8% Part Time, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $115,687 per year, or $55.6 per hour.

Mortgage Underwriter - DE/SAR

Remote

Rapid Mortgage
Finance and Insurance • 51 - 200 employees
Learn more about Rapid Mortgageexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 5 days ago

Job description

Rapid Mortgage Company
Position Title: DE/SAR Mortgage Underwriter
Location: Remote
Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence
Rapid Mortgage Company is a nationally recognized lender known for speed, service, and integrity. We are actively expanding and seeking an experienced and highly motivated DE/SAR Mortgage Underwriter to join our elite operations team. If you're a critical thinker with a deep understanding of agency guidelines and a passion for precision, we want to hear from you.
Position Overview
As a Mortgage Underwriter, you will be responsible for thoroughly evaluating residential mortgage loan applications to ensure compliance with company, investor, and regulatory standards. This includes assessing creditworthiness, income stability, asset sufficiency, and collateral value. You'll work closely with processors, and leadership to deliver timely and accurate underwriting decisions across FHA, VA, USDA, and Conventional programs.
This is a vital, deadline-driven role that demands strong attention to detail, excellent communication skills, and deep underwriting expertise.
Key Responsibilities
  • Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation.
  • Issue clear, concise approval, suspension, or denial decisions within delegated authority.
  • Underwrite loans to current FHA, VA, USDA, and Conventional guidelines.
  • Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings.
  • Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s).
  • Review large deposits, verify funds for closing, and ensure adequate reserves.
  • Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally.
  • Ensure all underwritten files meet agency, investor, and federal compliance requirements.
  • Stay informed on changes to underwriting policies, loan products, and regulatory updates.
  • Partner with processing and sales teams to promote a collaborative and efficient pipeline.

Required Qualifications
  • Minimum 3+ years of current mortgage underwriting experience.
  • Active DE (FHA) or SAR (VA) designation- Having both is strongly preferred.
  • Experience underwriting DPA (Down Payment Assistance) programs.
  • Proficiency with Encompass Loan Origination System.
  • Experience analyzing complex borrower profiles, including self-employed borrowers and layered risk.
  • Strong working knowledge of AUS platforms (DU and LP) and ability to assess manual files when necessary.
  • Deep understanding of current investor, agency, and compliance guidelines.
  • Exceptional analytical skills, attention to detail, and time management.
  • Ability to work independently in a fast-paced remote environment.
  • Excellent written and verbal communication skills.

What We Offer
  • Competitive Salary (please include requirements with your application)
  • Medical, Dental, and Vision Insurance available day 1
  • Company-Paid Life and Long-Term Disability Insurance
  • 401(k) Retirement Plan with Company Match
  • Paid Time Off (PTO) + Paid Holidays
  • Career growth opportunities and continuing education support
  • Supportive, collaborative remote team culture

Must-Have Criteria
  • No more than a 16-month gap in mortgage underwriting experience- if gap applies must have stayed up to date on market trends and newest guidelines.
  • Must have current or recent loan-level underwriting authority (not a trainee or shadowing role).
  • Encompass and AUS experience is required.
  • Please include salary expectations with resume or cover letter to be.

Ready to Apply?
If you're a detail-oriented, deadline-driven DE or SAR Underwriter looking to join a dynamic and respected mortgage company-apply now! Submit your resume with salary requirements included.

Apply