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Quality Control Mortgage Underwriter Jobs (NOW HIRING)

Dow Credit Union

Mortgage Underwriter

Midland, MI · On-site

$33/hr

Perform prefunding quality control reviews to identify risk and ensure compliance. * Partner with ... Three to five years of mortgage underwriting or related mortgage lending experience. * Strong ...

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 ...

Dow Credit Union

Mortgage Underwriter

Midland, MI · On-site

$36/hr

Dow Credit Union is seeking an experienced Mortgage Underwriter to join our Mortgage team. In this ... Perform prefunding quality control reviews to identify risk and ensure compliance.Partner with ...

Arrow Bank NA

Senior Mortgage Underwriter - Utica

Utica, NY · On-site

$118K/yr

... quality control, and regulatory examination requirements. > Serves as resource for complex ... mortgage underwriting or related mortgage experience required > Nationwide Multistate Licensing ...

VyStar Credit Union

Senior Mortgage Underwriter

Suwanee, GA · On-site

$108K/yr

Identify and make recommendations to Mortgage Underwriting Supervisor, AVP Mortgage Underwriting, and VP Mortgage Credit regarding process improvements, quality service, and increased efficiencies ...

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · Hybrid

Scope & Ownership As a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound credit decisions that protect portfolio quality while keeping files moving. This role exists to ...

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Quality Control Mortgage Underwriter information

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

As of Sep 2, 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, 14% Part Time, 3% Contract, and 1% Nights. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $86,000 per year, or $41.3 per hour.

Mortgage Underwriter

Dow Credit Union

Midland, MI • On-site

$33/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 9 days ago

Job description

Do you have a passion for making sound lending decisions while helping members achieve their homeownership goals? Dow Credit Union is seeking an experienced Mortgage Underwriter to join our Mortgage team. In this role, you'll evaluate mortgage and home equity loan applications, analyze risk, and make informed underwriting decisions that support both member success and the financial strength of the credit union.
As a key contributor to the lending process, you will review complex financial and property information, ensure compliance with investor and regulatory requirements, and help deliver an exceptional member experience from application to closing.
This position earns a competitive minimum starting pay of $33.00 an hour. We provide terrific benefits, including quarterly and annual incentives, medical, dental, vision, a 401(k) plan, paid holidays, and paid time off (PTO). If this sounds like the right opportunity for you, apply today!
DOW CREDIT UNION: OUR MISSION
In 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit. Two Dow employees heard about the credit union movement, and the rest is history. Today, we serve more than 84,000 members across all 50 states and in over 40 countries and have over $2.5 billion in assets. Our goal has always been to serve our members to the best of our abilities and provide them with the best value for their money. Every day, we continually strive to improve our level of service by keeping our focus on our members.
In order to do this, we have to hire and retain loyal, team-oriented employees who have genuine care and concern for our members and conduct themselves with integrity and professionalism. That's why we offer competitive pay, excellent benefits, and a positive work culture. We truly respect each other and actively encourage diversity, equity, and inclusion (DEI). We are an equal-opportunity employer.
What You'll Do
  • Underwrite mortgage and home equity loans in accordance with Dow Credit Union policies, investor guidelines, and regulatory requirements.
  • Evaluate creditworthiness using income, assets, employment history, debt-to-income ratios, loan-to-value ratios, credit reports, and supporting documentation.
  • Approve or deny loan applications within delegated lending authority.
  • Review real estate appraisals and valuation reports to ensure accuracy, marketability, and compliance.
  • Process Reconsideration of Value (ROV) requests and communicate with Appraisal Management Companies (AMCs) regarding revisions or clarifications.
  • Analyze title commitments to ensure acceptable risk and proper lien positioning.
  • Submit loans through Automated Underwriting Systems (AUS) and mortgage insurance providers.
  • Manage underwriting pipelines to ensure timely decisions and service-level expectations are met.
  • Clear underwriting conditions and prepare loans for final approval and closing.
  • Perform prefunding quality control reviews to identify risk and ensure compliance.
  • Partner with processors, loan originators, title companies, appraisers, settlement agents, and other stakeholders to facilitate a smooth loan process.
  • Stay current on mortgage regulations, investor requirements, and industry best practices.

What We're Looking For
  • Three to five years of mortgage underwriting or related mortgage lending experience.
  • Strong knowledge of mortgage and home equity lending practices, regulations, and underwriting guidelines.
  • Exceptional analytical skills with strong attention to detail and accuracy.
  • Ability to interpret and evaluate complex financial documentation.
  • Effective organizational and time-management skills with the ability to prioritize multiple deadlines.
  • Strong problem-solving and decision-making abilities.
  • Excellent verbal and written communication skills.
  • Ability to work independently while contributing positively within a team environment.
  • Proficiency with mortgage lending technology and standard business software applications

Education & Licensing
  • High school diploma plus additional post-secondary education or equivalent experience required.
  • Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) required in accordance with the SAFE Act.
  • Must maintain compliance with annual SAFE Act renewal requirements

Why Dow Credit Union?
At Dow Credit Union, we believe in building financial relationships that improve lives. Our team members enjoy a collaborative culture, opportunities for professional growth, and the ability to make a meaningful impact in the communities we serve. If you're looking for a workplace where your expertise is valued and your contributions make a difference, we'd love to hear from you.
Apply today and help our members make homeownership possible.

Apply