Mortgage Lock Desk Analyst at Independence Home Loans – Remote

Now Hiring: Lock Desk Analyst

We’re looking for a detailoriented Lock Desk Analyst to manage loan pricing, lock activities, and eligibility reviews in alignment with investor guidelines to support revenue integrity and efficient pipeline management. This role helps ensure accurate pricing, timely execution, and smooth coordination across Sales, Operations, and Secondary.

Publish daily pricing and margins in Optimal Blue / Encompass

Process new locks, relocks, extensions, and renegotiations

Validate eligibility, AUS findings, LLPAs, product fit, and key loan attributes

Coordinate investor lock requests and track turn-times for non-delegated underwriting

Manage lock expirations, pipeline aging, and fallout risk

Review and approve product, loan amount, and borrower attribute changes for pricing impact

Maintain accurate lock data and reconcile investor confirmations

Provide timely responses to pricing scenarios and lock inquiries

Generate pipeline and lock reports; support Secondary with pricing or margin updates

2 years of Lock Desk or Secondary experience (correspondent or non-delegated preferred)

Experience with Encompass and Optimal Blue/EPC

Strong understanding of agency/investor guidelines, LLPAs, SRP, and bestefforts delivery

High accuracy, strong analytical skills, and ability to work in fast-moving markets

Clear, professional written and verbal communication

If you excel in accuracy, speed, and supporting revenue-critical functions, we’d love to hear from you.

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