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Donnie Moss

@donniemoss

Senior Mortgage Underwriter at Willow Bend Mortgage, underwriting complex FHA, VA, Jumbo, and Non-QM loans.

At Willow Bend Mortgage, I underwrite FHA, VA, USDA, Conventional, Jumbo, Non-QM, Renovation, and Bond loans. I take on complex income, credit, and collateral files that require judgment beyond the AUS, and look for sound, compliant paths to approval.

At Southwest Funding, I led a team of five underwriters and underwrote for both Retail and TPO/Wholesale channels. I became a resource for difficult scenarios and guideline questions while maintaining file quality and compliance.

Experience

Work history, roles, and key accomplishments

Senior Mortgage Underwriter

Willow Bend Mortgage

Apr 2025 - Nov 2026 (1 year 7 months)

Decisioned FHA, VA, USDA, and Conventional loans, owning complex income, credit, and collateral files. Underwrote Jumbo, Non-QM, Renovation, and Bond loans to investor-specific guidelines, handling 40-45 files per month at peak.

FHA USDA Conventional Jumbo Non Qualified Mortgage (Non QM)Renovations Bond Encompass DU LP LPA GUS FHA Connection VA WebLGY Calyx (POINT)

Senior Mortgage Underwriter Team Lead

Southwest Funding

Aug 2015 - Apr 2025 (9 years 8 months)

Led a team of 5 underwriters, driving productivity, consistency, and quality assurance. Underwrote up to 63 files per month at peak volume for both Retail and TPO/Wholesale divisions.

Team Leadership Quality Assurance Retail TPO Wholesale Encompass DU LP LPA GUS FHA Connection VA WebLGY Calyx (POINT)

Senior Account Manager

loanDepot

May 2013 - Aug 2015 (2 years 3 months)

Managed a pipeline of FHA, VA, Conventional, and HARP loans from submission to close, with in-depth credit, income, and appraisal review. Led and developed team members while ensuring program compliance.