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Secondary Lock Desk Jobs (NOW HIRING)

AD Mortgage

Lock Desk Specialist

Troy, MI

Experience : 1-3 years of experience in the mortgage industry, specifically within a Lock Desk, Secondary Marketing, or Capital Markets function is preferred. * Communication : Exceptional written ...

Crosscountrymortgage

Lock Desk Analyst

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ... Secondary Marketing or Capital Markets experience, preferred. * Excellent attention to detail ...

Crosscountrymortgage

Lock Desk Analyst

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ... Secondary Marketing or Capital Markets experience, preferred. * Excellent attention to detail ...

CrossCountry Mortgage

Lock Desk Analyst

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ... Secondary Marketing or Capital Markets experience, preferred. * Excellent attention to detail ...

CrossCountry Mortgage

Lock Desk Analyst

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ... Secondary Marketing or Capital Markets experience, preferred. * Excellent attention to detail ...

Crosscountrymortgage

Lock Desk Analyst

Cleveland, OH · On-site

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ... Secondary Marketing or Capital Markets experience, preferred. * Excellent attention to detail ...

Crosscountrymortgage

Lock Desk Analyst

Cleveland, OH · On-site

The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ... Secondary Marketing or Capital Markets experience, preferred. * Excellent attention to detail ...

USA Mortgage

Secondary Marketing Analyst

Creve Coeur, MO · On-site +1

$80K - $100K/yr

Lock desk capabilities are a given for this position and will be required to support timely ... Secondary marketing operations and lock desk. * Hedge and pipeline risk management. * Pricing ...

Risewell Homes

Lock Desk & Pricing Analyst

Englewood, CO · On-site

$62K - $72K/yr

A Lock Desk & Pricing Analyst is responsible for Lock Desk management and sales support. Supporting ... secondary marketing preferred. Technical Skills: * Proficiency in Excel and Microsoft products.

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Secondary Lock Desk information

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How much do secondary lock desk jobs pay per hour?

As of Sep 9, 2026, the average hourly pay for secondary lock desk in the United States is $23.15, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 per hour, depending on experience, location, and employer.

What is a secondary lock desk?

A Secondary Lock Desk is a specialized team or function within a mortgage lending institution responsible for managing and locking in interest rates on mortgage loans after they have been originated but before they are sold on the secondary market. This team ensures that interest rates are secured for borrowers and coordinates the process of delivering these loans to investors. The Secondary Lock Desk plays a crucial role in maximizing profitability and minimizing risk for lenders by monitoring market conditions and making timely decisions on rate locks and loan sales.

What are the key skills and qualifications needed to thrive as a secondary lock desk analyst?

To thrive as a Secondary Lock Desk Analyst, you need strong analytical abilities, attention to detail, and a solid understanding of mortgage products and pricing, typically supported by experience in mortgage banking or finance. Familiarity with loan origination systems (LOS), pricing engines, and industry platforms such as Encompass or Optimal Blue is essential. Excellent communication, time management, and problem-solving skills help you effectively coordinate with loan officers and address pricing or lock issues. These competencies are vital to ensure accurate rate locks, risk mitigation, and timely support for loan production in a fast-moving mortgage environment.

What are some typical challenges faced by professionals in a secondary lock desk role, and how are they addressed?

Professionals in a Secondary Lock Desk role frequently encounter challenges such as managing high volumes of loan lock requests, ensuring compliance with investor guidelines, and adapting to fluctuating market rates. To address these, strong attention to detail, effective time management, and clear communication with loan officers and secondary marketing teams are crucial. Many organizations provide robust training, use specialized software to streamline processes, and encourage collaboration across departments to resolve issues quickly and maintain accuracy.

What is the difference between Secondary Lock Desk vs Loan Processor?

AspectSecondary Lock DeskLoan Processor
Primary ResponsibilitiesManaging and monitoring loan locks, ensuring rate lock agreements are maintained, and coordinating with lenders and borrowersGathering borrower documentation, verifying information, and preparing loan files for underwriting
Required CredentialsKnowledge of mortgage products, lock policies, and industry regulations; often requires mortgage licensingMortgage licensing, familiarity with loan documentation, and underwriting processes
Work EnvironmentOffice-based, fast-paced mortgage or banking environmentOffice-based, mortgage lending or banking setting
Employer & Industry UsageCommon in mortgage banking, lenders, and financial institutionsWidely used in mortgage lending, banks, and credit unions

The main difference is that the Secondary Lock Desk focuses on managing loan rate locks and ensuring lock agreements are maintained, while the Loan Processor handles gathering documentation and preparing loans for approval. Both roles require mortgage industry knowledge and often work closely within the mortgage lending process.

What cities are hiring for Secondary Lock Desk jobs?

Cities with the most Secondary Lock Desk job openings:

What states have the most Secondary Lock Desk jobs?

States with the most job openings for Secondary Lock Desk jobs include:

What are popular job titles related to Secondary Lock Desk jobs?

For Secondary Lock Desk jobs, the most frequently searched job titles are:

LOCK DESK SPECIALIST

Sacramento, CA • On-site

American Pacific Mortgage
1 - 5K employees
Learn more about American Pacific Mortgageexternal

$25 - $27/hr

Full-time

Re-posted 13 days ago

Job description

 
 

Job Title:    Lock Desk Specialist  

Hybrid Position/Roseville, CA



Essential Duties and Responsibilities:

  • This position works directly with branches, loan officers and loan processors by directing phone calls and emails to Lock Desk Specialists.  Duties include but are not limited to:
  • Answer phone calls with questions from loan officer
  • Monitor lock desk email Inbox and assign emails to individual Lock Desk Specialists
  • Provide loan scenario pricing and respond to product eligibility questions quickly and accurately when needed
  • Maintain pricing/lock data within the company’s LOS system
  • Process locks, changes, relocks, and extension requests
  • Lock loans with investors 
  • Provide support and answer questions regarding the rate lock process
  • Resolve and/or escalate complex loan scenarios to appropriate resources
  • Troubleshoot pricing discrepancies and take steps to resolve any issues
  • Maintain general mortgage compliance knowledge and complete annual recertification of training
  • Other miscellaneous tasks as needed and assigned by the Secondary Marketing

Qualifications/Requirements:


  • Secondary Marketing/Lock Desk experience in the mortgage industry a plus
  • Optimal Blue and Encompass experience is a plus
  • Must be able to effectively and positively communicate with branch offices, investors and co-workers
  • Effectively analyze and resolve problems at a functional level with branch offices, closing agents, underwriting, compliance and all other co-workers
  • Self-starter with the ability to complete a project from start to finish while needing little to no supervision
  • Utilize required software packages, including but not limited to:  Encompass, Microsoft Word, Microsoft Excel, Adobe Acrobat


‘American Pacific Mortgage Corporation is an equal opportunity employer.  All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.’

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