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Mortgage Underwriter Two Jobs (NOW HIRING)

SoFi

Mortgage Underwriter

Frisco, TX · Hybrid

The Role SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage ... Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans. * Strong ...

Bank Five Nine

Mortgage Underwriter

Oconomowoc, WI · On-site

At least 2 years of experience as a mortgage underwriter or certified processor * Proficiency in Microsoft Word and Excel * Thorough understanding of the Secondary Market, products, and delivery

AD Mortgage

Mortgage Underwriter

Troy, MI

Become a Master Underwriter At AD Mortgage , we don't just hire Underwriters; we build them. We are ... Associate's degree or 0-2 years of professional experience. Working Conditions: * This is a ...

LBC Mortgage

Underwriter

California City, CA · Remote

About LBC Mortgage At LBC Mortgage, we are committed to delivering exceptional lending solutions ... Minimum 2+ years of commercial underwriting experience * Strong understanding of commercial real ...

COASTAL1 CREDIT UNION

Mortgage Underwriter I

Pawtucket, RI · On-site

$48K - $63K/yr

The Mortgage Underwriter I, under the direction of the VP Real Estate Lending, will be responsible ... Today, Coastal1 has 19 branches throughout RI and MA, including Bristol, Cranston (2), Cumberland ...

LBC Mortgage

Underwriter

Los Angeles, CA · On-site +1

About LBC Mortgage At LBC Mortgage, we are committed to delivering exceptional lending solutions ... Minimum 2+ years of commercial underwriting experience * Strong understanding of commercial real ...

Zentech Consulting

Mortgage Underwriter

Charlotte, NC · Hybrid

$36/hr

The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA ... 2 years' experience underwriting with strong credit, collateral, and risk analysis background ...

Zentech Consulting

Mortgage Underwriter

Charlotte, NC · On-site

$36/hr

Company Description The Mortgage Loan Underwriter position is responsible for underwriting ... 2 years' experience underwriting with strong credit, collateral, and risk analysis background ...

Zentech Consulting

Mortgage Underwriter

Clearwater, FL · On-site

$36/hr

Company Description The Mortgage Loan Underwriter position is responsible for underwriting ... 2 years' experience underwriting with strong credit, collateral, and risk analysis background ...

Zentech Consulting

Mortgage Underwriter

Clearwater, FL · Hybrid

$36/hr

The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA ... 2 years' experience underwriting with strong credit, collateral, and risk analysis background ...

SoFi

Mortgage Underwriter

Frisco, TX · On-site

The Role SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage ... Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans. * Strong ...

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Mortgage Underwriter Two information

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How much do mortgage underwriter two jobs pay per hour?

As of Aug 10, 2026, the average hourly pay for mortgage underwriter two 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 is the difference between Mortgage Underwriter Two vs Mortgage Underwriter One?

AspectMortgage Underwriter TwoMortgage Underwriter One
CredentialsTypically requires 2+ years of underwriting experience, relevant certifications (e.g., CE, FHA, VA)Entry to mid-level, fewer years of experience, basic certifications
Work EnvironmentWorks in banks, mortgage companies, or lending institutions, handling complex loan filesSupports initial loan reviews, handles straightforward cases
Employer & Industry UsageCommonly employed in large financial institutions and mortgage lendersFound in smaller lenders or as part of loan processing teams

Mortgage Underwriter Two typically has more experience, handles more complex loans, and works in larger organizations. Mortgage Underwriter One is often an entry-level or less experienced role focused on simpler loan files. The main differences lie in experience level, complexity of cases managed, and work environment.

What other jobs can a mortgage underwriter do?

A mortgage underwriter can transition into roles such as loan officer, credit analyst, or risk analyst, leveraging their knowledge of credit and lending processes. They may also move into compliance, quality control, or financial analysis positions, often requiring familiarity with underwriting software and industry regulations.
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What cities are hiring for Mortgage Underwriter Two jobs? Cities with the most Mortgage Underwriter Two job openings:
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Mortgage Underwriter Two jobs near you
Infographic showing various Mortgage Underwriter Two job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 79% Full Time, 16% Part Time, and 4% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $61,902 per year, or $29.8 per hour.

Mortgage Underwriter

SoFi

Frisco, TX • Hybrid

Full-time

Posted 25 days ago

Job description

The Role

SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX or Charlotte, NC. 
You'll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment.

The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation. You'll thrive in a collaborative, metrics-driven culture focused on member experience, quality, and accountability.

What You'll Do

  • Review and underwrite mortgage applications using investor/GSE guidelines.

  • Perform detailed analysis of borrower credit, income, and collateral - including complex and self-employed income calculations.

  • Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).

  • Make timely, compliant underwriting decisions in line with SoFi and investor standards.

  • Manage a high-volume pipeline, balancing quality (QC) and production SLAs - goal of 5+ new credit decisions per day.

  • Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.

  • Identify and escalate potential fraud risk or guideline exceptions.

  • Apply deep working knowledge of DU/LP systems and investor overlays.

  • Contribute to continuous process improvement through collaboration and feedback.
     

What You'll Need

  • Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.

  • Strong analytical ability and independent risk assessment judgment.

  • Proficiency in DU, LP, and FHA Connection systems.

  • Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.

  • Thorough understanding of credit policy, financial statement analysis, and property evaluation.

  • Strong communication skills - able to explain complex scenarios clearly and professionally.

  • Experience maintaining both quality control metrics and high production throughput.

  • Familiarity with Texas-specific lending nuances preferred.

  • Hybrid work schedule: 2 days per week in the Frisco, TX office.
     

Nice-to-Haves

  • Active SAR or VA credit authority

  • Active FHA DE (Direct Endorsement) certification

  • Experience underwriting Jumbo or USDA loans

  • College degree

  • Background in fraud detection or risk mitigation

Apply