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Usda Underwriter Jobs (NOW HIRING)

SERVION INC

Underwriter II

New Brighton, MN

$31.43 - $39.29/hr

Underwrite FHA/VA/USDA mortgage residential mortgage loans to federal, state, and investor guidelines ESSENTIAL DUTIES, KNOWLEDGE, SKILLS, ABILITIES: * Current knowledge of and ability to apply ...

SERVION INC

Underwriter II

Saint Paul, MN · On-site

$31.43 - $39.29/hr

Underwrite FHA/VA/USDA mortgage residential mortgage loans to federal, state, and investor guidelines ESSENTIAL DUTIES, KNOWLEDGE, SKILLS, ABILITIES: * Current knowledge of and ability to apply ...

Equity Resources Inc

Mortgage Underwriter

Newark, OH · On-site

USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an ... Make underwriting decisions based on risk assessment, taking into consideration the 4 C's of ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an ... Make underwriting decisions based on risk assessment, taking into consideration the 4 C's of ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an ... Make underwriting decisions based on risk assessment, taking into consideration the 4 C's of ...

Mortgage Solutions of Georgia

Underwriter

If you're a self-driven Underwriter with USDA experience, DE and SAR certified, motivated professional looking to achieve a high level of success in the mortgage industry, then this is the ...

Atlantic Bay

Underwriter

Ability to underwrite all product types including Conventional, FHA, VA, and USDA required; Construction and/or Jumbo loans is a plus * Ability to review appraisals * Self-motivated, ability to work ...

Choice Mortgage Group

Senior Underwriter

Boca Raton, FL · On-site

$75K/yr

Knowledge of home loans and residential mortgages such as conventional, VA, FHA, and USDA loans ... Excellent decision-making and communication skills * 2+ years of mortgage underwriting experience ...

Seacoast Bank

Mortgage Loan Underwriter

Orlando, FL

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investmentquality and salable ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment‑quality and ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investmentquality and salable ...

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Usda Underwriter information

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$32.5K

$78.9K

$139.5K

How much do usda underwriter jobs pay per year?

As of Jul 14, 2026, the average yearly pay for usda underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a USDA Underwriter, and why are they important?

To thrive as a USDA Underwriter, you need a deep understanding of mortgage underwriting guidelines, risk assessment, and government loan programs, typically supported by experience in mortgage lending and a relevant degree. Familiarity with automated underwriting systems (AUS), loan origination software, and regulatory compliance tools is vital. Strong analytical skills, attention to detail, and effective communication set standout underwriters apart. These competencies ensure accurate loan decisions, regulatory adherence, and a smooth approval process for USDA-backed mortgages.

What are some common challenges USDA Underwriters face when assessing rural property eligibility?

USDA Underwriters often encounter challenges verifying that properties meet USDA’s rural and eligibility requirements, especially when boundaries and property types are unclear. They must carefully review appraisals, flood zone maps, and property records to ensure compliance with USDA guidelines. Additionally, navigating unique rural property features, such as outbuildings or mixed-use land, requires careful analysis to confirm they don't disqualify the loan. Strong attention to detail and clear communication with loan officers and appraisers are essential to overcome these challenges.

What is a USDA Underwriter?

A USDA Underwriter is a mortgage professional responsible for reviewing and evaluating loan applications for mortgages backed by the United States Department of Agriculture (USDA). Their primary role is to assess an applicant’s financial information, property eligibility, and compliance with USDA Rural Development guidelines to determine if the loan meets all program requirements. They ensure that both the borrower and the property meet the standards set by the USDA before approving or denying the loan. USDA Underwriters play a crucial role in facilitating affordable homeownership in rural areas by safeguarding the integrity and standards of the program.

What is the difference between Usda Underwriter vs FHA Underwriter?

AspectUsda UnderwriterFHA Underwriter
CredentialsTypically requires mortgage underwriting experience, relevant certifications (e.g., MLO license)Similar credentials, often with FHA-specific training or certifications
Work EnvironmentWorks primarily with USDA loan applications, rural property assessmentsHandles FHA loan files, urban and suburban properties
Employer & Industry UsageUsed by USDA-approved lenders, government-backed rural housing programsUsed by FHA-approved lenders, government-backed urban housing programs

Both USDA and FHA underwriters evaluate mortgage applications for government-backed loans, requiring similar skills and certifications. The main difference lies in the loan programs they support and the types of properties they assess, with USDA underwriters focusing on rural areas and FHA underwriters on urban and suburban properties.

More about Usda Underwriter jobs
What job categories do people searching Usda Underwriter jobs look for? The top searched job categories for Usda Underwriter jobs are:
Usda Underwriter jobs near you
Infographic showing various Usda Underwriter job openings in the United States as of July 2026, with employment types broken down into 86% Full Time, 8% Part Time, 3% Contract, and 3% Nights. Highlights an 76% Physical, 9% Hybrid, and 15% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Mortgage Underwriter

Mortgage Underwriter

Virginia Credit Union

Midlothian, VA • On-site

Full-time

Re-posted 11 days ago

Job description

Job Description:
PRIMARY FUNCTION:
Underwrite first and second mortgage loans based on guidelines established by agencies, investors and Virginia Credit Union (VACU) guidelines. Maintains on-going training for loan originators and processors on changes and updates to underwriting guidelines established by agencies and credit union. Examine loan documentation for accuracy and completeness to determine credit worthiness. Works with the production staff to secure all required documentation. Requires daily contact with Originators, Processors and Underwriters. We pride ourselves on turn-time, efficiency, and providing the best member experience possible.
JOB DUTIES AND RESPONSIBILITIES:
  • Provide quality member service to meet the standards set by mortgage management and the Member Experience team.
  • Reviews/analyzes loan files submitted for members to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.
  • Identifies/calculates loan risk of loss.
  • Assist VACU staff members with questions regarding VACU first and second mortgage products.
  • Underwrites conventional (FNMA/ FHLMC) and government (FHA/VA/VHDA & USDA) mortgages.
  • Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.
  • Ability to underwrite self-employed borrowers, tax returns, business returns etc.
  • Ensures compliance with Federal, State and local government accounting and financial reporting standards and controls.
  • Underwrite files within an acceptable time frame that is determined by mortgage management with primary emphasis on first mortgage loans.
  • Create and maintain a courteous and professional relationship with co-workers.
  • Conditions files for missing/supporting documentation according to secondary market and VACU guidelines.
  • Ability to prioritize multiple competing tasks.
  • Proven ability to perform quality work while maintaining productivity and compliance standards.
  • Must have excellent problem solving skills.
  • Discuss loan denial decision results with loan officers and loan advisors/processors.
  • Assists First Mortgage management to investigate audit exceptions and formulate responses.
  • Available to work extended hours as business need requires. Flexibility to work extended hours during heavy workload periods.
  • Other duties may be required and assigned by the supervisor.
  • Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
  • Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
  • Report all Risk Management Policy violations in accordance with policy.

JOB QUALIFICATIONS:
  • Responsible for underwriting Government and Conventional loans following established VACU, agency and investor guidelines.
  • The underwriter evaluates mortgage loan files and assesses risk based on compliance, agency, investor, and VACU guidelines to ensure salability with minimal loss.
  • Ideal candidates will be service-focused with superior time-management and communication skills, have the ability to multi-task, and possess keen attention to detail.
  • Must conduct business with integrity and in a highly ethical manner.

Knowledge and Experience:
  • Considerable demonstrated experience underwriting conventional (conforming and non-conforming) and government (FHA/VA/USDA & VHDA) first and second mortgage residential products.
  • FHA Direct Endorsement, VA Credit Certification, VA SAR, USDA and VHDA Certifications preferred.
  • Experience with operation of Automated Underwriting Systems (AUS) required.
  • Experience in mortgage origination (sales and processing) a plus.

Skills and Abilities:
  • Excellent oral and written communication skills combined with the ability to make sound decisions.
  • Excellent problem solving and organizational skills required.
  • Knowledge of tax return and balance sheet analysis, including both cash flow and AGI methods.
  • Must be a team player who works for the best solution for the team and the member.
  • Computer experience required.

Minimum Education:
Bachelor's degree (B. A.) from four-year college or university; and preferred five years or more related experience in automated underwriting systems including FNMA's Desktop Underwriter and knowledge of FNMA and all government program underwriting guidelines and/or training; or equivalent combination of education and experience.
PHYSICAL REQUIREMENTS:
  • This job requires the ability to sit for long periods of time.
  • This job requires occasionally lifting up to 20 pounds and/or up to 10 pounds frequently.

Salary range: $86,000 - $104,000

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