If you’re a seasoned mortgage underwriter who can move fast without getting sloppy, this role is built for you. You’ll underwrite a steady pipeline across major loan products, make sound credit decisions, and keep files compliant so loans can close clean and sell smoothly.
About loanDepot
loanDepot (NYSE: LDI) is a digital commerce mortgage company serving customers across the homeownership journey. Since 2010, they’ve built a digital-first approach to make buying or refinancing easier, with nationwide operations and a focus on growth, development, and community impact.
Schedule
- Remote
- Turn times expected: 24–48 hours per file (daily volume target: 4–6 loans)
What You’ll Do
- Underwrite 4–6 Conventional, USDA, FHA, and VA loans per day within company, investor, and industry guidelines
- Maintain up-to-date knowledge of loan programs and eligibility rules
- Analyze credit and issue decisions using financials, credit reports, and ratios like DTI and LTV
- Assess risk using property and file documentation (purchase contract, escrow instructions, prelim title, etc.)
- Ensure documentation accuracy, completeness, consistency, and compliance, flagging red flags early
- Assign and sign off on loan conditions based on agency guidance
- Support loan renegotiations when guidelines require changes
- Partner with Processing to troubleshoot difficult files and keep submissions moving
- Clearly explain underwriting decisions to internal partners and auditors
- Answer guideline and borrower qualification questions from loan consultants and processors
- Handle complex income calculations
What You Need
- High school diploma or equivalent required (Bachelor’s preferred)
- 3+ years of successful Conventional, FHA, and VA underwriting experience required
- FHA Direct Endorsement (DE) certification required (SAR preferred)
- Proficiency in Desktop Underwriter (DU) and Loan Prospector (LP) required
- 6+ years mortgage lending industry experience preferred
Benefits
- Base pay range: $33.17 to $58.17 per hour (based on skills, experience, location, internal equity)
- Medical, dental, vision
- Wellness program (mental and physical health)
- Generous paid time off (exempt and non-exempt)
- Tuition reimbursement and professional development
- Inclusive, collaborative culture
Real talk: this is not “learn on the job” underwriting. They want a closer who can hit volume, protect quality, and defend decisions.
Happy Hunting,
~Two Chicks…