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Mortgage Underwriting Jobs (NOW HIRING)

AD Mortgage

Mortgage Underwriting Trainer

Troy, MI · On-site

We are seeking a skilled Mortgage Underwriting Trainer to design, implement, and manage training programs that support the development of our underwriting team. This individual will leverage proven ...

Rapid Mortgage

Mortgage Underwriter - DE/SAR

Rapid Mortgage Company Position Title: DE/SAR Mortgage Underwriter Location: Remote Join a Fast ... You'll work closely with processors, and leadership to deliver timely and accurate underwriting ...

Visio Lending

Mortgage Underwriting Manager

$105K - $130K/yr

The ideal candidate is a collaborative leader with strong mortgage underwriting expertise, a passion for developing high-performing teams, and a commitment to delivering exceptional service while ...

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Mortgage Underwriting information

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How much do mortgage underwriting jobs pay per hour?

As of Aug 14, 2026, the average hourly pay for mortgage underwriting 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 Underwriting vs Loan Processor?

AspectMortgage UnderwritingLoan Processor
Primary RoleAssessing loan risk and approving or denying mortgage applicationsGathering documents, verifying information, and preparing loan files
Required CredentialsTypically requires mortgage licensing, underwriting certifications, and knowledge of lending guidelinesOften requires loan processing experience and familiarity with documentation
Work EnvironmentOffice setting, working closely with underwriters, lenders, and appraisersOffice environment, coordinating with borrowers, real estate agents, and lenders

Mortgage Underwriting focuses on evaluating the risk of a loan and making approval decisions, while Loan Processors handle the administrative tasks of collecting and verifying borrower information. Both roles are essential in the mortgage lending process and often work together to ensure smooth loan approval.

What is mortgage underwriting?

Mortgage underwriting is the process lenders use to assess the risk of offering a home loan to a potential borrower. During underwriting, the underwriter reviews the applicant's financial information, credit history, employment status, and the property details to determine if the loan meets the lender's requirements. The goal is to ensure the borrower is capable of repaying the loan and that the property serves as sufficient collateral. The process helps protect both the lender and the borrower from entering into an unsustainable loan agreement.

What does a mortgage underwriter actually do?

A mortgage underwriter evaluates loan applications to determine the borrower’s ability to repay and assesses the risk involved. They review financial documents, credit reports, and property details, using guidelines to approve, suspend, or deny mortgage requests. Strong analytical skills and knowledge of lending standards are essential for this role.

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 guidelines, risk assessment, and financial analysis, often supported by industry experience or relevant certifications. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS) such as DU and LP, and compliance software is typically required. Strong attention to detail, analytical thinking, and effective communication skills help underwriters make sound decisions and clearly explain outcomes. These abilities are crucial for minimizing risk, ensuring regulatory compliance, and delivering timely, accurate loan approvals.

What are some common challenges mortgage underwriters face when evaluating loan applications?

Mortgage underwriters often encounter challenges such as assessing incomplete or inconsistent borrower documentation and staying current with frequently changing lending guidelines. Another common difficulty is balancing the need for thorough risk assessment with the pressure to meet processing deadlines. Collaboration with loan officers and processors is essential to resolve issues efficiently and ensure compliance, making strong communication and attention to detail critical in this role.

What qualifications do you need to be a mortgage underwriter?

Mortgage underwriters 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 knowledge of mortgage lending guidelines, often supported by industry certifications such as the Mortgage Bankers Association's Certified Mortgage Underwriter (CMU). Experience in banking or loan processing can also be beneficial.

Is mortgage underwriting a good career?

Mortgage underwriting is a stable career that involves evaluating loan applications to assess risk and ensure compliance with lending standards. It requires attention to detail, knowledge of financial documents, and often involves working with underwriting software; the role typically offers steady employment and opportunities for advancement. However, job satisfaction depends on individual interest in finance and risk assessment.

What do mortgage underwriters get paid?

Mortgage underwriters typically earn an average salary ranging from $50,000 to $80,000 annually, depending on experience, location, and employer. Experienced underwriters or those working in high-cost areas can earn higher salaries, and some may receive bonuses or benefits based on performance.
More about Mortgage Underwriting jobs

What cities are hiring for Mortgage Underwriting jobs?

Cities with the most Mortgage Underwriting job openings:

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

The most popular types of Mortgage Underwriting jobs are:

What states have the most Mortgage Underwriting jobs?

States with the most job openings for Mortgage Underwriting jobs include:

What job categories do people searching Mortgage Underwriting jobs look for?

The top searched job categories for Mortgage Underwriting jobs are:

Mortgage Underwriting jobs near you
Infographic showing various Mortgage Underwriting job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, 4% Part Time, and 3% Contract. Highlights an 74% Physical, 9% Hybrid, and 17% Remote job distribution, with an average salary of $61,902 per year, or $29.8 per hour.

Mortgage Underwriting Trainer

AD Mortgage

Troy, MI • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 23 days ago

Job description

About this opportunity

AD Mortgage - Financial Holding Company successfully providing residential and commercial loans for more than 20 years, based in Florida.

We represent our A+++ service in states but are striving to obtain licenses in every State of the US and to become a Nationwide Mortgage Lender.

Our employees are our most valuable resource, and their knowledge and expertise play an important role in achieving our client’s goals.

We have 400+ employees, and it’s just the beginning!

We are seeking a skilled Mortgage Underwriting Trainer to design, implement, and manage training programs that support the development of our underwriting team. This individual will leverage proven instructional design methodologies and adult learning principles to ensure underwriters are equipped with the knowledge and skills necessary to assess mortgage applications accurately and in compliance with industry regulations. The ideal candidate will combine deep underwriting expertise with strong technical learning and development skills.

Schedule

  • This is a full-time, office-based position in a modern, cozy environment in our Troy, MI office.

  • Our standard working hours are Monday to Friday, 9:00 AM to 6:00 PM, promoting a healthy work-life balance.

Skills & Qualifications

  • Bachelor’s degree in finance, business, education, or a related field (preferred).

  • Certifications in instructional design or learning and development (e.g., CPTD, ATD, or similar) are a plus.

Experience:

  • 3+ years of experience in mortgage underwriting (e.g., NQM, FHA, VA, conventional loans).

  • 2+ years of experience in learning and development, instructional design, or corporate training.

Skills:

  • Proficient in instructional design frameworks, such as ADDIE, ROPES, and Bloom's Taxonomy.

  • Experience using learning management systems (LMS) and e-learning tools like Articulate, Captivate, or similar.

  • Strong project management skills to oversee training program development and execution.

  • Ability to design assessments that measure knowledge retention and application.

  • Exceptional communication, facilitation, and presentation skills.

  • Familiarity with adult learning theories and methodologies, including experiential and scenario-based learning.

Technical Knowledge:

  • Knowledge of underwriting software systems and compliance platforms.

  • Experience incorporating AI tools or analytics into training programs to monitor learner progress and outcomes.

What We Offer | Career and Culture

  • Company Culture: Inclusive, supportive company culture where you are not a number, but a voice that's heard and brings value.

  • Growth Path: Defined paid training and clear pathways for career development.

  • Benefits: Comprehensive benefits package including PTO, sick days, paid volunteer hours, medical, dental, vision insurance, and 401(k).

    Take the first step towards a rewarding career in the mortgage industry with AD Mortgage.

    Our Recruitment team will reach out to you shortly!

Connect with us: Explore our social media to get a sense of our corporate culture.

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.