Junior Mortgage Loan Officer Salary in the United States

How much does a Junior Mortgage Loan Officer make in the United States?

As of January 01, 2026, the average salary for a Junior Mortgage Loan Officer in the United States is $50,423 per year, which breaks down to an hourly rate of $24.

However, a Junior Mortgage Loan Officer's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $59,850
  • Majority Range (25th-75th percentile): $43,597 to $55,358
  • Entry-Level (10th percentile): $37,383
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View as table View as graph 25% $43,597 10% $37,383 90% $59,850 75% $55,358 $50,423 50%(Median) Didn’t find job title? Click

Junior Mortgage Loan Officer Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $55,358 $4,613 $1,065 $27
Average $50,423 $4,202 $970 $24
25th Percentile $43,597 $3,633 $838 $21
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Key Factors That Influence Junior Mortgage Loan Officer Salaries

A Junior Mortgage Loan Officer'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.

How Experience Level Affects Junior Mortgage Loan Officer Salaries?

Experience is a primary driver of a Junior Mortgage Loan Officer'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:

  • Entry-Level (less than 1 year): $49,949
  • Early Career (1-2 years): $50,707
  • Mid-Level (2-4 years): $51,820
  • Senior-Level (5-8 years): $52,435
  • Expert (over 8 years): $52,589
Levels Salary
Entry Level Junior Mortgage Loan Officer$49,949
Intermediate Level Junior Mortgage Loan Officer$50,707
Senior Level Junior Mortgage Loan Officer$51,820
Specialist Level Junior Mortgage Loan Officer$52,435
Expert Level Junior Mortgage Loan Officer$52,589
$49,949 0 yr
$50,707 < 2 yrs
$51,820 2-4 yrs
$52,435 5-8 yrs
$52,589 > 8 yrs
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What Am I Worth?

Top Paying Cities for Junior Mortgage Loan Officers

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:

  • San Jose: $63,599
  • San Francisco: $62,973
  • Oakland: $61,577

What Skills Can Increase a Junior Mortgage Loan Officer's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 3.95% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
  • CRM (Mentioned in 5.87% Job Postings): Customer relationship management (CRM) is a technology for managing all your company's relationships and interactions with customers and potential customers.
  • Mortgage Lending (Mentioned in 0.84% Job Postings): A mortgage loan is a secured loan that allows you to avail funds by providing an immovable asset, such as a house or commercial property, as collateral to the lender.
See More Skills
Skills Demand Percentage
Customer Service 3.95%
CRM 5.87%
Mortgage Lending 0.84%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on a Junior Mortgage Loan Officer's salary.
  • Food Safety: Can increase your salary by up to 82%.
  • Integrity: Can increase your salary by up to 4%.
  • Products and Services: Can increase your salary by up to 4%.
Skill Salary Salary % Increase
Food Safety
$91,770
82%
Integrity
$52,440
4%
Products and Services
$52,440
4%
Data Entry
$52,440
4%
Communication Skills
$52,440
4%
Effective Communication
$52,440
4%
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Junior Mortgage Loan Officer Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Junior Mortgage Loan Officer'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, 2026

Salary Trends for Junior Mortgage Loan Officer

Salaries for a Junior Mortgage Loan Officer can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $59,456 in 2023 to around $59,044 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Junior Mortgage Loan Officer salary trends, .

Average Annual Salary of Junior Mortgage Loan Officer Over Time

2022
$???
2023
$59,456
2024
$59,382
2025
$59,044
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $59,456
2024 $59,382
2025 $59,044
2026
View More
2027
View More

Most common benefits for Junior Mortgage Loan Officer

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Junior Mortgage Loan Officer

Here are companies hiring for Junior Mortgage Loan Officer and their salaries, click below for more details.

Find Your Next Junior Mortgage Loan Officer Job

Ready to take the next step in your career? Browse thousands of current Junior Mortgage Loan Officer job openings on our job board. Use the search bar below to find your perfect match.

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Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

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