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Quality Control Mortgage Underwriter Jobs (NOW HIRING)

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 ...

Nastech Global

Mortgage Underwriter

Cincinnati, OH · On-site

Minimum 24-36 months of conventional mortgage underwriting/QA/QC experience * Knowledge of the full loan cycle (from beginning to end) * Strong understanding of Desktop Underwriter (DU) and Loan ...

SoFi

Mortgage Underwriter

Frisco, TX · Hybrid

The Role SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage ... Manage a high-volume pipeline, balancing quality (QC) and production SLAs - goal of 5+ new credit ...

AmeriSave Mortgage Corp.

$28 - $38/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Contribute to QC reviews and continuous improvement across the department What You'll Need: * 5+ years current/recent frontline mortgage underwriting experience * DE and/or SAR certifications ...

Gateway First Bank

Mortgage Underwriter

Plano, TX · On-site

... and quality seriously, then this is the place for you! Mortgage Underwriter JOB SUMMARY ... Responsible for underwriting designated residential loans by analyzing credit data to ensure ...

AmeriSave Mortgage Corp.

Mortgage Underwriter

$28 - $38/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Contribute to QC reviews and continuous improvement across the department What You'll Need: * 5+ years current/recent frontline mortgage underwriting experience * DE and/or SAR certifications ...

AmeriSave Mortgage Corp.

Mortgage Underwriter

Charleston, WV · Remote

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Contribute to QC reviews and continuous improvement across the department What You'll Need: * 5+ years current/recent frontline mortgage underwriting experience * DE and/or SAR certifications ...

SoFi

Mortgage Underwriter

Frisco, TX · On-site

The Role SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage ... Manage a high-volume pipeline, balancing quality (QC) and production SLAs - goal of 5+ new credit ...

Nicolet National Bank

Mortgage Underwriter

Green Bay, WI · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The Mortgage Underwriter is responsible for the preparation, processing, and underwriting of ... Exercise discretion and independent judgment to assess loan quality of proposed loans by to confirm ...

Nicolet National Bank

Mortgage Underwriter

Green Bay, WI · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The Mortgage Underwriter is responsible for the preparation, processing, and underwriting of ... Exercise discretion and independent judgment to assess loan quality of proposed loans by to confirm ...

RIGHT START MORTGAGE INC

Underwriter

San Antonio, TX · On-site

Quality Assurance: * Implement and oversee quality control measures to ensure accuracy and ... Proven experience as a Mortgage Underwriter or in a similar role within the mortgage industry. * In ...

Teachers Federal Credit Union

Mortgage Underwriter

Hauppauge, NY · On-site

$36 - $43.25/hr

  • Dental

  • Vision

  • Retirement

  • PTO

The Mortgage Underwriter reviews and evaluates residential mortgage loan applications to determine ... Meets established turn times, productivity expectations, and quality standards while maintaining ...

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Quality Control Mortgage Underwriter information

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$86K

$98K

How much do quality control mortgage underwriter jobs pay per year?

As of Aug 20, 2026, the average yearly pay for quality control mortgage underwriter in the United States is $86,000.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $93,000.00 per year, depending on experience, location, and employer.

What is a quality control mortgage underwriter?

A Quality Control Mortgage Underwriter is responsible for reviewing and auditing mortgage loan files to ensure compliance with industry regulations, lending guidelines, and company policies. They evaluate creditworthiness, income verification, asset documentation, and adherence to underwriting standards. Their role helps mitigate risk by identifying errors or inconsistencies in loan approvals before they are funded or sold. This ensures loan quality and reduces potential financial losses for lenders.

What skills and qualifications are needed to be a quality control mortgage underwriter?

A Quality Control Mortgage Underwriter needs solid experience in mortgage underwriting, knowledge of regulatory compliance (such as FHA, VA, or conventional loan guidelines), and a background in finance or a related field. Familiarity with loan origination systems, automated underwriting software (like DU or LP), and quality control audit tools is essential, and certifications such as DE (Direct Endorsement) or SAR (Staff Appraisal Reviewer) are highly valued. Attention to detail, analytical thinking, and effective communication are standout soft skills in this role. These abilities help ensure loan files meet industry standards, compliance requirements, and minimize risk for the lending institution.

What challenges do quality control mortgage underwriters face in their daily work?

Quality Control Mortgage Underwriters often encounter challenges such as keeping up with ever-changing lending regulations, navigating complex loan files, and identifying discrepancies or errors that could impact loan quality. They must stay up-to-date on compliance standards while balancing accuracy with efficiency to meet tight deadlines. Additionally, collaborating with loan officers, processors, and compliance teams is common, requiring strong communication and problem-solving skills. Successfully overcoming these challenges is key to ensuring loan integrity and protecting the organization from potential losses or regulatory issues.

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Quality Control Mortgage Underwriter jobs near you
Infographic showing various Quality Control Mortgage Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 81% Full Time, 13% Part Time, 4% Contract, and 1% Nights. Highlights an 86% Physical, 2% Hybrid, and 12% Remote job distribution, with an average salary of $86,000 per year, or $41.3 per hour.

Mortgage Underwriter

HUNT Mortgage Corporation

Buffalo, NY

$65K - $75K/yr

Full-time

Posted 2 days ago

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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