As of July 01, 2026, the average salary for a Mortgage Underwriter I in Kerman, CA is $65,464 per year, which breaks down to an hourly rate of $31.
However, a Mortgage Underwriter I's salary can vary significantly. Here’s a look at the typical salary range:
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A Mortgage Underwriter I'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, skills, and company size can directly affect your earning potential.
Experience is a primary driver of a Mortgage Underwriter I'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 |
|---|---|---|
| Mortgage Underwriter I | 0-2 years | $65,464 |
| Mortgage Underwriter II | 2-4 years | $73,552 |
| Mortgage Underwriter III | 4-7 years | $95,233 |
| Mortgage Underwriter IV | 7+ years | $112,632 |
| Mortgage Underwriting Manager | 7+ years | $111,450 |
What Am I Worth?
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Analysis | 4.98% |
| Tax Return | 1.76% |
| Financial Services | 1.16% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Consulting
|
$86,412 |
32%
|
|
Partnering
|
$75,283 |
15%
|
|
Verbal Communication
|
$71,356 |
9%
|
|
Presentation
|
$70,046 |
7%
|
|
Insight
|
$69,392 |
6%
|
|
Tax Return
|
$69,392 |
6%
|
Mortgage Underwriter I salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $71,568. While startup companies pay approximate $60,457.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $60,457 |
| Growth Stage | 51~500 | $63,974 |
| Established | 501~5000 | $69,091 |
| Enterprise | 5000+ | $71,568 |
For Mortgage Underwriter I roles, the industry you choose can impact your earning potential by as much as 60% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Insurance, offers compensation 30% above the average. Conversely, Mortgage Underwriter positions in Business Services typically offer lower base pay, as this sector often view Mortgage Underwriter I as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Insurance | $85,103 | $41.0 | 30% |
Understanding how a Mortgage Underwriter I'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 July 01, 2026Promotions are the fastest way to increase your earnings. As a Mortgage Underwriter I, 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 |
|---|---|---|
| Mortgage Underwriter II | $73,552 | 12% |
| Loan Underwriter II | $69,587 | 6% |
Ready to take the next step in your career? Browse thousands of current Mortgage Underwriter I job openings on our job board. Use the search bar below to find your perfect match.
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