Is mortgage underwriting a stressful job? (2024)

Yes, mortgage underwriting is a stressful job. This job can be stressful due to the many variables that influence the decision to be made.

A mortgage underwriter considers layers of risk. They do not just look at the borrower profile in a vacuum, which can make the job stressful as they attempt to navigate the essential components of the borrower's credit profile in every unique scenario.

This becomes more stressful when a wrong decision, either way, can mean enormous consequences. On the one hand, a bad decision to lend to less than stellar borrowers who default on the loan has significant implications for the mortgage underwriter's career prospects.

While a wrong decision to not lend to good borrowers could cause them to lose their opportunity to purchase their home and push your company to lose out on interest earnings from a suitable mortgage.