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As of August 01, 2026, the average salary for an Intermediate Mortgage Underwriter in Kentucky is $69,100 per year, which breaks down to an hourly rate of $33.
However, an Intermediate Mortgage Underwriter's salary can vary significantly. Here’s a look at the typical salary range:
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Intermediate Mortgage Underwriter Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $77,400 | $6,450 | $1,488 | $37 |
| Average | $69,100 | $5,758 | $1,329 | $33 |
| 25th Percentile | $60,200 | $5,017 | $1,158 | $29 |
Saint Luke's Hospital of Kansas City - KANSAS CITY, MO
Reliance Savings Bank - ALTOONA, PA
Mercy - SPRINGFIELD, MO
FM - THE COLONY, TX
An Intermediate Mortgage Underwriter'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, and company size can directly affect your earning potential.
Experience is a primary driver of an Intermediate Mortgage Underwriter'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:
| Job Role | Years of Experience | Average Salary |
|---|---|---|
| Entry Mortgage Underwriter | 0-2 years | $61,429 |
| Intermediate Mortgage Underwriter | 2-4 years | $69,009 |
| Senior Mortgage Underwriter | 4-7 years | $89,353 |
| Lead Mortgage Underwriter | 7+ years | $105,683 |
| Underwriting Manager - Mortgage Loans | 7+ years | $104,563 |
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 Intermediate Mortgage Underwriters. For example, consider the average annual salaries in these key locations:
Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:
Intermediate Mortgage Underwriter salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $74,397. While startup companies pay approximate $63,053.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $63,053 |
| Growth Stage | 51~500 | $66,668 |
| Established | 501~5000 | $71,868 |
| Enterprise | 5000+ | $74,397 |
For Intermediate Mortgage Underwriter roles, the industry you choose can affect earning potential by as much as 100% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Business Services sectors offer the strongest compensation, at 50% above the average. In contrast, Intermediate Mortgage Underwriter positions in Insurance or Edu., Gov't. & Nonprofit typically offer lower base pay, as these industries often view Intermediate Mortgage Underwriter as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Financial Services | $103,650 | $50.0 | 50% |
| Business Services | $82,920 | $40.0 | 20% |
Understanding how an Intermediate Mortgage Underwriter'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.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $77,400 | $6,450 | $1,488 | $37 |
| Average | $69,100 | $5,758 | $1,329 | $33 |
| 25th Percentile | $60,200 | $5,017 | $1,158 | $29 |
Promotions are the fastest way to increase your earnings. As an Intermediate Mortgage Underwriter, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.
| Next Step Role | Estimate Salary | Projected Raise |
|---|---|---|
| Senior Mortgage Underwriter | $89,400 | 29% |
| Consumer Loan Credit Analyst III | $80,500 | 16% |
Ready to take the next step in your career? Browse thousands of current Intermediate Mortgage Underwriter job openings on our job board. Use the search bar below to find your perfect match.
FM
NORWOOD, MA
FM | NORWOOD, MA
Job Description: Established nearly two centuries ago, FM is a leading mutual insurance company whose capital, scientific research capability and engineeri... more
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FM
GRAND CENTRAL, NY
FM | GRAND CENTRAL, NY
Job Description: FM is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engi... more
3 Days Ago
Midland States Bank
SUNSET HILLS, MO
Midland States Bank | SUNSET HILLS, MO
Mortgage Careers- All Levels At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors... more
5 Days Ago
Altra Federal Credit Union
CLARKSVILLE, TN
Altra Federal Credit Union | CLARKSVILLE, TN
Real Estate / Mortgage Loan Originator, Madison Street Office, Clarksville TN Since 1931, Altra Federal Credit Union has been committed to helping members ... more
1 Day Ago
HomeXpress Mortgage Corp
SANTA ANA, CA
HomeXpress Mortgage Corp | SANTA ANA, CA
Company Description HomeXpress – Your Leading Non-QM Mortgage Lender Join our growing team and be part of the Top Non-QM Lender in the Business We are know... more
4 Days Ago
Generations Home Loans
STOCKTON, CA
Generations Home Loans | STOCKTON, CA
Generations Home Loans in Seattle, WA is seeking a driven Mortgage Loan Officer to grow production and build a high-performing team. You’ll originate purch... more
17 Days Ago
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