As of March 01, 2026, the average salary for a Mortgage Credit Analyst in Texas is $56,486 per year, which breaks down to an hourly rate of $27.
However, a Mortgage Credit Analyst's salary can vary significantly. Here’s a look at the typical salary range:
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Mortgage Credit Analyst Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $65,685 | $5,474 | $1,263 | $32 |
| Average | $56,486 | $4,707 | $1,086 | $27 |
| 25th Percentile | $50,675 | $4,223 | $975 | $24 |
Simmons Bank - Dallas, TX
Hyundai Capital America - Plano, TX
Citi - Irving, TX
First Financial Bankshares - Abilene, TX
A 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 and company size can directly affect your earning potential.
Experience is a primary driver of a 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 Mortgage Credit Analyst | $56,053 |
| Intermediate Level Mortgage Credit Analyst | $56,761 |
| Senior Level Mortgage Credit Analyst | $58,820 |
| Specialist Level Mortgage Credit Analyst | $59,232 |
| Expert Level Mortgage Credit Analyst | $59,507 |
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 Mortgage Credit Analysts. 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:
Understanding how a 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.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $65,685 | $5,474 | $1,263 | $32 |
| Average | $56,486 | $4,707 | $1,086 | $27 |
| 25th Percentile | $50,675 | $4,223 | $975 | $24 |
For a Mortgage Credit Analyst, the most direct path to higher earnings is advancing to the Mortgage Underwriter II role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $71,522 - a projected growth of 27% over your current level.
Ready to take the next step in your career? Browse thousands of current Mortgage Credit Analyst job openings on our job board. Use the search bar below to find your perfect match.
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