As of August 01, 2026, the average salary for an Entry Mortgage Credit Analyst in the United States is $57,930 per year, which breaks down to an hourly rate of $28.
However, an Entry Mortgage Credit Analyst's salary can vary significantly. Here’s a look at the typical salary range:
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An Entry Mortgage Credit Analyst's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education, and company size can directly affect your earning potential.
Experience is a primary driver of an Entry Mortgage Credit Analyst's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
| Levels | Salary |
|---|---|
| Entry Level Entry Mortgage Credit Analyst | $57,485 |
| Intermediate Level Entry Mortgage Credit Analyst | $58,212 |
| Senior Level Entry Mortgage Credit Analyst | $60,330 |
| Specialist Level Entry Mortgage Credit Analyst | $60,754 |
| Expert Level Entry Mortgage Credit Analyst | $61,036 |
What Am I Worth?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Entry Mortgage Credit Analysts. For example, consider the average annual salaries in these key locations:
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Analysis | 17.96% |
| Commercial Loans | 2.25% |
| Billing | 1.45% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Financial Statement Analysis
|
$78,206 |
35%
|
|
Commercial Banking
|
$72,413 |
25%
|
|
Credit Risk
|
$71,254 |
23%
|
|
Risk Management
|
$70,675 |
22%
|
|
Accountability
|
$68,937 |
19%
|
|
Financial Analysis
|
$67,199 |
16%
|
Entry Mortgage Credit Analyst salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $62,688. While startup companies pay approximate $53,072.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $53,072 |
| Growth Stage | 51~500 | $56,126 |
| Established | 501~5000 | $60,547 |
| Enterprise | 5000+ | $62,688 |
For Entry Mortgage Credit Analyst roles, the industry you choose can impact your earning potential by as much as 40% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Financial Services, offers compensation 20% above the average. Conversely, Entry Mortgage Credit Analyst positions in Business Services typically offer lower base pay, as this sector often view Entry Mortgage Credit Analyst as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Financial Services | $69,516 | $33.0 | 20% |
Your level of education can impact your salary potential. While many Entry Mortgage Credit Analysts enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.
According to our 100% employer-reported salary data, the median salary for an Entry Mortgage Credit Analyst with a High School Diploma or Technical Certificate is between $52,185 and $56,487).
Entry Mortgage Credit Analyst Salaries by Degree Level
| Degree Level | % of user with this level of education |
|---|---|
| No Diploma | 24.0% |
| High School | 24.0% |
| Associates | 4.0% |
| Bachelors | 64.0% |
| Masters | 8.0% |
| Doctorate | 0.0% |
Understanding how an Entry Mortgage Credit Analyst's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.
Last Updated on August 01, 2026For an Entry Mortgage Credit Analyst, the most direct path to higher earnings is advancing to the Intermediate Commercial Credit Analyst role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $74,600 - a projected growth of 29% over your current level.
Salaries for an Entry Mortgage Credit Analyst can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $59,923 in 2023 to around $59,147 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Entry Mortgage Credit Analyst salary trends, .
| Year | Average Annual Salary |
|---|---|
| 2022 |
View More
|
| 2023 | $59,923 |
| 2024 | $59,474 |
| 2025 | $59,147 |
| 2026 |
View More
|
| 2027 |
View More
|
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The Financial Services industry offers the highest average compensation for Entry Mortgage Credit Analyst roles, with salaries approximately 20% above the market median.
Credit Analysts at New Day USA earn between $50,840 and $72,960 annually, with a median salary of $58,320. This reflects a competitive compensation range for the role, aligning more closely with industry standards compared to the previously mentioned average of $47,056, which is significantly below the national average.
Credit analysts typically work full-time, often exceeding 40 hours a week due to the need for accuracy and meeting deadlines. Their responsibilities can lead to longer hours, especially when making critical decisions that impact others. Entry-level mortgage credit analysts can expect salaries ranging from $50,840 to $72,960, depending on experience and location.
An entry-level credit analyst evaluates creditworthiness and makes recommendations on credit lines. They conduct risk analysis using various financial data, prepare credit reports, and perform quality assurance reviews. The salary for this role ranges from $50,840 to $72,960, with a midpoint of $58,320, reflecting the importance of their analytical skills in financial decision-making.
The salary for an Entry Mortgage Credit Analyst ranges from approximately $50,840 to $72,960 annually. The average salary for this position is around $58,320, reflecting the earnings potential for recent graduates entering the field.
As of now, the salary for an Entry Mortgage Credit Analyst in the US ranges from $50,840 to $72,960 annually, with a midpoint of $58,320. This translates to approximately $24.43 to $35.05 per hour, depending on experience and location.
Being a credit analyst can be a challenging role, as it involves assessing the creditworthiness of individuals or companies and determining appropriate interest rates. This significant responsibility can lead to stress, especially considering the salary range for entry-level positions, which typically falls between $50,840 and $72,960.
Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.
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