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Temporary Mortgage Lock Desk Jobs (NOW HIRING)

Orion Lending

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Mortgage Lock Desk Specialist

Orange, CA · Remote

$25 - $29/hr

... mortgage commitments into Encompass. · Reconciling daily locks. · Resolving price discrepancies at the time of lock · Other duties may be assigned. Preferred Qualifications and Experience · ...

AD Mortgage

Lock Desk Specialist

Troy, MI

About this opportunity The Lock Desk Specialist is responsible for managing the daily interest rate lock process for all mortgage loan channels (e.g., Retail, Correspondent, Wholesale). This role ...

AD Mortgage

Lock Desk Specialist

Troy, MI

About this opportunity The Lock Desk Specialist is responsible for managing the daily interest rate lock process for all mortgage loan channels (e.g., Retail, Correspondent, Wholesale). This role ...

ICCU

Lock Desk Analyst

Chubbuck, ID · On-site

The Lock Desk Analyst provides a crucial role to optimize ICCU's capital and liquidity by managing ... Collect, organize, and analyze rate and fee data on mortgage loans * Calculate income margins to ...

Village Capital & Investment

Lock Desk Agent

Hildale, UT

$13.75 - $17.75/hr

Job Title: Lock Desk Agent Location: Hildale, UT Job Type: Full-time Company: Village Capital ... Village Capital is a well-established mortgage company committed to delivering a quick, efficient ...

Bayview Asset Management

LOCK DESK SPECIALIST

Denver, CO · On-site

$45K - $60K/yr

... mortgage servicing rights, and other credit-related assets. POSITION SUMMARY: The Lock Desk ... Specialist will execute Bayview's pricing strategies. You will be required to follow all necessary ...

Risewell Homes

Lock Desk & Pricing Analyst

Englewood, CO · On-site

$62K - $72K/yr

Mortgage Pricing & Analysis: * Lock Desk management and sales support. * Update and import rates into Optimal Blue * Support updates in Optimal Blue * Support mortgage loan sale process. * Assist in ...

SoFi

Lock Desk Analyst

Frisco, TX · On-site

The Lock Desk Specialist will be responsible for ensuring SoFi company policies and procedures ... The ideal candidate will have experience in the mortgage industry, proficiency in relevant software ...

Village Capital & Investment

Lock Desk Agent

Hildale, UT · On-site

$13.75 - $17.75/hr

Job Title: Lock Desk Agent Location: Hildale, UT Job Type: Full-time Company: Village Capital ... Village Capital is a well-established mortgage company committed to delivering a quick, efficient ...

Risewell Homes

Lock Desk & Pricing Analyst

Englewood, CO

$62K - $72K/yr

Mortgage Pricing & Analysis: * Lock Desk management and sales support. * Update and import rates into Optimal Blue * Support updates in Optimal Blue * Support mortgage loan sale process. * Assist in ...

Bayview Asset Management

Specialist, Lock Desk

Denver, CO · Hybrid

$45K - $60K/yr

... mortgage servicing rights, and other credit-related assets. POSITION SUMMARY: The Lock Desk ... Specialist will execute Bayview's pricing strategies. You will be required to follow all necessary ...

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Temporary Mortgage Lock Desk information

What is a Temporary Mortgage Lock Desk?

A Temporary Mortgage Lock Desk is a specialized team or department within a mortgage lending organization that handles the process of locking in interest rates for borrowers, typically during periods of high volume or staffing shortages. The lock desk ensures that loan interest rates are secured at specific terms when borrowers request them, protecting them from market fluctuations. Temporary lock desks may be staffed with contract or temporary employees to manage surges in application volume or to fill in during transitions. Their main responsibilities include processing lock requests, confirming lock terms, and communicating with loan officers and borrowers. This role is critical for maintaining efficiency and accuracy in the mortgage rate lock process.

What are some common challenges faced when working in a Temporary Mortgage Lock Desk role, and how can they be managed?

In a Temporary Mortgage Lock Desk position, one common challenge is managing a high volume of lock requests while ensuring accuracy and compliance with lending guidelines. Deadlines can be tight, and details around rates, terms, and documentation must be precise to avoid costly errors. Effective communication and strong organizational skills are essential, as the role often involves coordinating with loan officers, underwriters, and borrowers. Staying updated on changing market rates and internal policies can also help you succeed and minimize stress in this fast-paced environment.

What are the key skills and qualifications needed to thrive as a Temporary Mortgage Lock Desk specialist, and why are they important?

To thrive as a Temporary Mortgage Lock Desk specialist, you need strong analytical skills, attention to detail, and knowledge of mortgage products and rate lock processes, often supported by experience in mortgage operations or finance. Familiarity with loan origination systems (LOS), pricing engines, and compliance software is typically required. Exceptional organizational skills, the ability to multitask under pressure, and clear communication are valuable soft skills in this role. These competencies ensure accurate rate lock management, timely processing, and regulatory compliance in a fast-paced lending environment.

What is the difference between Temporary Mortgage Lock Desk vs Mortgage Underwriter?

AspectTemporary Mortgage Lock DeskMortgage Underwriter
Primary RoleManages and monitors mortgage rate locks and ensures timely executionEvaluates loan applications, assesses risk, and approves or denies loans
CredentialsKnowledge of mortgage products, industry regulations, and lock proceduresTypically requires mortgage licensing, underwriting certifications, and financial analysis skills
Work EnvironmentLoan processing departments, often in a fast-paced, transactional settingUnderwriting departments, focused on risk assessment and compliance

The Temporary Mortgage Lock Desk primarily handles rate lock management and coordination, while Mortgage Underwriters focus on evaluating loan applications and approving loans based on risk. Both roles require industry knowledge and certifications but serve different functions within the mortgage process.

More about Temporary Mortgage Lock Desk jobs
What cities are hiring for Temporary Mortgage Lock Desk jobs? Cities with the most Temporary Mortgage Lock Desk job openings:
What are the most commonly searched types of Mortgage Lock Desk jobs? The most popular types of Mortgage Lock Desk jobs are:
What states have the most Temporary Mortgage Lock Desk jobs? States with the most job openings for Temporary Mortgage Lock Desk jobs include:
What job categories do people searching Temporary Mortgage Lock Desk jobs look for? The top searched job categories for Temporary Mortgage Lock Desk jobs are:
Temporary Mortgage Lock Desk jobs near you
Infographic showing various Temporary Mortgage Lock Desk job openings in the United States as of July 2026, with employment types broken down into 78% Full Time, 20% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution.

Mortgage Lock Desk Manager

Griffin Funding, Inc.

San Diego, CA • On-site

$80K - $85K/yr

Full-time

Posted 24 days ago

Job description

Must be located in San Diego, CA
Do you want to lead a lock desk without stepping away from the work itself?
Are you the person who can lock a loan, catch a margin issue, and pull the report that explains it, all in the same afternoon?
Do you take ownership of the numbers that drive profitability, not just the tasks in front of you?
If you answered yes, we want to talk to you.
About Griffin Funding
Griffin Funding is a full-service mortgage lender licensed across the U.S. and committed to making homeownership more accessible. We're a Non-QM, VA, FHA, and CONV Lender with a reputation for speed, service, and doing right by our borrowers. Our team is performance-driven, collaborative, and growing, and we're looking for people who want to grow with us.
About the Role
The Lock Desk Manager leads our lock desk while staying hands-on in the work. You're still reviewing and verifying lock requests, registering loans with investors, and issuing confirmations, and on top of that you own the health of the desk: monitoring margins and revenue, running the reports that show how we're performing, and serving as our Optimal Blue administrator. You set the standard for accuracy and responsiveness, you're the final word on lock policy, and you make sure pricing and profitability stay protected on every file. It's a player-coach role built for someone who wants to lead without losing touch with the desk.
A Day in the Life
Morning
You start with the market. Rate sheets come in, pricing moves, and lock requests are waiting. You're locking loans alongside the team, reviewing and verifying requests, confirming pricing in Optimal Blue, and registering loans with investors. When sales or operations has a lock policy question, it comes to you, and you keep the desk moving at pace.
Afternoon
You shift into the parts of the job only you own. You monitor margins and revenue, watching for anything that puts profitability at risk. You run and review reports on desk performance, and you manage Optimal Blue as its administrator, keeping pricing rules, configurations, and investor setups current. You handle extensions and loan restructures that affect pricing, keep the secondary tab and lock confirmations current in LendingPad, and stay in close contact with your investor reps as pricing and guidelines shift. Throughout, you're supporting your team and making sure the desk runs clean.
Major Goals and Responsibilities
Locking and Confirmations
  • Review, verify, and lock incoming LO lock requests
  • Register loans with investors and issue confirmations to the appropriate parties
  • Enter lock request and confirmation information accurately and efficiently into the LOS
  • Extend locks and assist in loan restructures
  • Audit locks for accuracy

Margins, Revenue, and Reporting
  • Monitor margins and revenue to protect profitability across the pipeline
  • Run and review reports on lock desk performance
  • Flag and address risks to pricing and margin before they become problems

Systems and Administration
  • Serve as the Optimal Blue administrator, managing pricing rules, configurations, and investor setups
  • Keep the secondary tab and lock confirmations in LendingPad updated throughout the life of the loan

Leadership and Communication
  • Set the standard for accuracy and responsiveness on the desk
  • Serve as the final resource for lock policy questions from sales and operations
  • Build and maintain investor relationships, communicating lock changes and building rapport
  • Perform any other duties as assigned from time to time by the Company, depending on operational needs and changes

Key Characteristics
Accurate under pressure. You hold precision even when the market is moving and the requests are stacking up.
Ownership over the numbers. You treat margins and revenue as yours to protect, and you dig into a report until it tells you what you need to know.
A leader who still does the work. You set the standard by example and stay in the day-to-day, not above it.
A clear communicator. You're the bridge between sales, operations, and investors, and people trust the answers you give.
Fluent with the tools. You don't just use Optimal Blue, you administer it, and you adapt quickly as platforms evolve.
What We're Looking For
  • 3+ years of mortgage experience with direct lock desk experience
  • Experience monitoring margins and revenue and running lock desk reporting
  • Optimal Blue administration experience
  • LendingPad experience a plus
  • A track record of building and keeping strong investor relationships
  • Located in San Diego, CA

Career Path
The Lock Desk Manager role is a step into secondary marketing leadership. As you deepen your command of pricing, margin strategy, and investor relationships, there's room to grow toward senior secondary and capital markets roles. Growth here is driven by your performance and your appetite to take on more.
Griffin Funding, provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Griffin Funding, complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.
NMLS #1120111
VA Approved Lender ID: 9088650000
FHA Non-Supervised Lender No.: 01472-0000-3

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