Top 14 Mortgage underwriter Jobs in Minnesota

Mortgage Loan Underwriter - Construction/Renovation
Luminate Bank —Minneapolis, MN
- $90,000 - $100,000 a year
- Remote
- Mid-level
- Analysis skills
- Leadership
- Health savings account
- AD&D insurance
Quick Apply
8d
Mortgage Banker
Falcon National Bank —Isanti, MN
- $75,000 - $95,000 a year
- Full-time
- Basic math
- Mid-level
- Office
- Health savings account
- Paid holidays
Quick Apply
Mortgage Banker
Falcon National Bank —Richmond, MN
- $70,000 - $90,000 a year
- Full-time
- Mid-level
- Office
- 3 years
- Health savings account
- Paid holidays
Quick Apply
Mortgage Loan Processor (Elk River, MN)
Neighborhood Loans —Elk River, MN
- From $60,000 a year
- Full-time
- Customer service
- Computer literacy
- Mid-level
- Health insurance
- Dental insurance
Quick Apply
Agency Underwriter – Affordable/Conventional
Northmarq —Minneapolis, MN
- $57.69 an hour
- Extended hours
- Microsoft Excel
- Data analysis skills
- Mid-level
- Paid parental leave
- Health insurance
Request for Action (RFA) Underwriter / Housing Development Officer, Intermediate
State of Minnesota - Housing Finance Agency —Saint Paul, MN
- $28.75 - $42.16 an hour
- Online Application
- Hybrid work
- Microsoft Access
- Microsoft Outlook
- Mid-level
- Paid parental leave
- Paid holidays
3d
Underwriter II
SERVION INC —New Brighton, MN
- $31.43 - $39.29 an hour
- Full-time
- Mid-level
- 3 years
- Finance
- Disability insurance
- Dental insurance
Quick Apply
Mortgage Loan Officer
First International Bank & Trust —Edina, MN
- $130,000 a year
- Full-time
- Mid-level
- Bachelor's degree
- 4 years
- Paid parental leave
- Paid holidays
Senior Loan Partner
Atwood Companies Inc, —Saint Louis Park, MN
- $65,000 - $115,000 a year
- Weekends as needed
- Mid-level
- Office
- 3 years
- Continuing education credits
- Paid time off
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Mortgage Loan Processor
SERVION INC —New Brighton, MN
- $21.89 - $27.11 an hour
- Overtime
- Mid-level
- Residential
- High school diploma or GED
- Disability insurance
- Dental insurance
Quick Apply
Senior Loan Partner
Atwood Companies Inc —Saint Louis Park, MN
- $65,000 - $115,000 a year
- Weekends as needed
- Mid-level
- Office
- 3 years
- Continuing education credits
- Paid time off
Quick Apply
Senior Mortgage Loan Officer
American Heritage National Bank —Wayzata, MN
- $70,000 - $90,000 a year
- Full-time
- 5 years
- Basic math
- Office
- Paid holidays
- Disability insurance
Mortgage Loan Officer
Affinity Plus Federal Credit Union —Bemidji, MN
- $22.30 - $27.90 an hour
- Full-time
- Background check
- Customer service
- Computer literacy
- Wellness program
- Health insurance
Quick Apply
Processor
Infosys —United States
- Overtime
- Mid-level
- Microsoft Office
- High school diploma or GED
Quick Apply
7d

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Mortgage Loan Underwriter - Construction/Renovation

Luminate Bank -
Minneapolis, MN

Quick Apply

Job Details

$90,000 - $100,000 a year
8 days ago

Benefits

Health savings account
AD&D insurance
Health insurance
Dental insurance
Flexible spending account
Paid time off
Vision insurance
401(k) matching

Qualifications

Regulatory compliance
Construction mortgage loans
Construction loans

Full Job Description

Luminate Bank is redefining what modern banking can be. In just five years under its current leadership, the company has grown from a $62 million community bank into a $500 million financial institution, the fastest-growing state-chartered bank, while building one of the fastest-growing mortgage platforms in the country.

The momentum has been extraordinary:

Grew bank assets from $62 million to $500 million in five years- the fastest-growing state-chartered bank

Ranked a 2026 Top Workplace in Minnesota by the Star Tribune and #1 among large companies in Colorado Top Workplaces 2026

Named a 2026 Top Workplaces Culture Excellence winner in eight categories and a Top Workplace nationally in Financial Services

Surpassed $4 billion in mortgage originations in 2025

Ranked among the Top 30 Mortgage Lenders nationally by Scotsman Guide

Maintain a 4.9-star average rating across 45,000+ customer reviews

Recognized by Freddie Mac with two 2026 Home Possible RISE Awards® for Greatest Volume and Fastest Growth

Honored by the Minnesota Mortgage Association as 2025 Leaders of the Year

But the story is bigger than growth metrics and awards. Luminate Bank is building a culture designed for ambitious, high-performing people who want to shape the future of banking. We move quickly, think boldly, and invest deeply in our people. Innovation, accountability, collaboration, and customer experience are at the center of everything we do.

What began as a rapidly growing lending and banking platform is now entering its next phase: building a nationally recognized financial brand that redefines how modern banking is experienced. For leaders who want the opportunity to build, scale, and leave a lasting impact, this is a rare moment to join a company with startup energy, national momentum, and a long runway ahead.

Position Overview: The Mortgage Underwriter is responsible for evaluating and analyzing residential mortgage loan applications to determine creditworthiness and risk, ensuring loans meet investor and regulatory guidelines. This role involves reviewing documentation for completeness and accuracy, assessing borrower financials, and issuing timely loan decisions.

Essential Duties and Responsibilities:

Review mortgage loan applications and supporting documentation (credit reports, income documents, appraisals, etc.) to assess borrower qualifications.
Evaluate loans according to company, investor, and regulatory guidelines.
Analyze risk factors and ensure loans meet product and compliance requirements.
Render loan decisions (approve, suspend, or deny) and provide detailed conditions and rationale.
Maintain thorough and accurate documentation in loan files and LOS (Loan Origination System).
Communicate underwriting decisions and conditions clearly to processors, loan officers, and other stakeholders.
Stay updated on investor guidelines, industry trends, and regulatory changes (e.g., TRID, ATR/QM, HMDA).
Work collaboratively with processing and closing departments to resolve issues and ensure timely closings.
Participate in audits and quality control reviews as needed.
Maintain performance goals including turnaround time and accuracy.

Qualifications and Skills:

Experience with Construction (one‑time and two‑time close) and Renovation loan programs is required.
FHA, VA, USDA, and/or Non-Agency experience preferred
Strong understanding of agency guidelines required. Experience working with individual investors preferred.
High attention to detail and accuracy.
Strong analytical and decision-making skills.
Proficient in LOS systems (e.g., Encompass, Blend) and Microsoft Office Suite.
Effective verbal and written communication skills.
Ability to work independently in a deadline-driven environment.

Benefits:

Competitive compensation reliant on ability and experience
Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision
Life and AD&D Insurance, as well as additional voluntary benefit possibilities
401K with robust company match
Flexible PTO program
Earned Sick & Safe Time (ESST)
The opportunity to work for the Midwest’s fastest growing lender

We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Quick Apply

Refine Your Search

mortgage underwriter jobs in minnesota

Mortgage Loan Underwriter - Construction/Renovation

Mortgage Banker

Mortgage Banker

Mortgage Loan Processor (Elk River, MN)

Agency Underwriter – Affordable/Conventional

Request for Action (RFA) Underwriter / Housing Development Officer, Intermediate

Underwriter II

Mortgage Loan Officer

Senior Loan Partner

Mortgage Loan Processor

Senior Loan Partner

Senior Mortgage Loan Officer

Mortgage Loan Officer

Processor

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