As of January 01, 2026, the average salary for a Junior Mortgage Underwriter in the United States is $69,475 per year, which breaks down to an hourly rate of $33.
However, a Junior Mortgage Underwriter's salary can vary significantly. Here’s a look at the typical salary range:
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A Junior 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 a Junior 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:
| Levels | Salary |
|---|---|
| Entry Level Junior Mortgage Underwriter | $70,283 |
| Intermediate Level Junior Mortgage Underwriter | $70,846 |
| Senior Level Junior Mortgage Underwriter | $72,031 |
| Specialist Level Junior Mortgage Underwriter | $72,268 |
| Expert Level Junior Mortgage Underwriter | $72,426 |
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 Junior Mortgage Underwriters. For example, consider the average annual salaries in these key locations:
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Analysis | 1.93% |
| Web Applications | 3.76% |
| Software Development | 2.81% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Consulting
|
$73,643 |
6%
|
|
Commitment
|
$72,254 |
4%
|
|
Solution Design
|
$72,254 |
4%
|
|
Agile
|
$71,559 |
3%
|
|
Leadership
|
$71,559 |
3%
|
|
Innovation
|
$71,559 |
3%
|
Understanding how a Junior 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.
Last Updated on January 01, 2026Salaries for a Junior Mortgage Underwriter can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $78,163 in 2023 to around $77,812 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Junior Mortgage Underwriter salary trends, .
| Year | Average Annual Salary |
|---|---|
| 2022 |
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|
| 2023 | $78,163 |
| 2024 | $78,727 |
| 2025 | $77,812 |
| 2026 |
View More
|
| 2027 |
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|
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