What are the main factors that influence a Mortgage Agent's salary?

The primary factors are: 1) Experience Level, 2) Geographic Location, 3) Education/Skills, 4) Company Size & Industry

How does experience change A Mortgage Agent's salary?

A Mortgage Agent's salary grows with experience: a Mortgage Agent (0-2 years)earns $63,473, a Mortgage Underwriter II (2-4 years)earns $71,335, a Mortgage Underwriter III (4-7 years)earns $92,362, a Mortgage Underwriter IV (7+ years)earns $109,221, a Mortgage Underwriting Manager (7+ years)earns $108,098,

What are the highest paying states for a Mortgage Agent?

Mortgage Agent salary varies significantly by state. The top 3 highest paying states for Mortgage Agent roles are District of Columbia $71,133, California $70,863, Massachusetts $69,919. These tech hubs typically pay 10-15% above the national average.

How much do different types of Mortgage Agent roles make?

Salaries for Mortgage Agent level roles vary by specialization: Mortgage Assistant: $133,209; Mortgage Banker: $122,161; Mortgage Trader: $113,165; ROW Agent: $100,900; Right of Way Agent: $100,899.

How do different companies affect a Mortgage Agent's salary?

Company size, industry, and compensation structure create significant salary variations for Mortgage Agent roles. Large, established industry leaders like Kpmg Us LLP ($114,295) and Warner Bros Discovery ($114,096) offer base salaries 35-40% above the national average. In contrast, smaller firms or startups may offer closer to $88,138.

Mortgage Agent Salary in the United States

How much does a Mortgage Agent make in the United States?

As of May 01, 2026, the average salary for a Mortgage Agent in the United States is $64,246 per year, which breaks down to an hourly rate of $31.

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

Top Earners (90th percentile): $84,327
Majority Range (25th-75th percentile): $57,527 to $74,757
Entry-Level (10th percentile): $51,409

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Mortgage Agent Salaries by Percentile

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$74,757	$6,230	$1,438	$36
Average	$64,246	$5,354	$1,236	$31
25th Percentile	$57,527	$4,794	$1,106	$28

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Key Factors That Influence Mortgage Agent Salaries

A Mortgage Agent'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, education and company size can directly affect your earning potential.

How Experience Level Affects Mortgage Agent Salaries?

Experience is a primary driver of a Mortgage Agent'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): $63,473
Early Career (1-2 years): $71,335
Mid-Level (2-4 years): $92,362
Senior-Level (5-8 years): $109,221
Expert (over 8 years): $108,098

Levels	Salary
Mortgage ... Level Mortgage Agent	$63,473
Mortgage ... Level Mortgage Agent	$71,335
Mortgage ... Level Mortgage Agent	$92,362
Mortgage ... Level Mortgage Agent	$109,221
Mortgage ... Level Mortgage Agent	$108,098

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What Am I Worth?

How Do Mortgage Agent Salaries Vary from State to State?

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 Agents. For example, consider the average annual salaries in these key locations:

District of Columbia: $71,133.
California: $70,863.
Massachusetts: $69,919.

District of Columbia $71,133 California $70,863 Massachusetts $69,919 Washington $69,662 New Jersey $69,636 Alaska $69,546 Connecticut $68,660 New York $68,300

Hawaii $67,150 Rhode Island $66,610 Maryland $66,244 Minnesota $65,743 Colorado $65,550 Illinois $65,486 Oregon $65,242 Delaware $65,062

New Hampshire $64,949 Virginia $64,696 Pennsylvania $63,957 Nevada $63,584 North Dakota $63,462 Michigan $63,270 Wisconsin $63,199 Vermont $63,058

Texas $62,666 Maine $62,640 Arizona $62,601 Ohio $62,556 Georgia $61,965 Indiana $61,670 Wyoming $61,612 Utah $61,522

Iowa $61,484 Kansas $61,175 Louisiana $61,085 North Carolina $61,053 Missouri $61,040 Florida $60,790 Montana $60,655 Nebraska $60,526

Kentucky $60,456 South Carolina $60,199 Tennessee $60,038 Idaho $59,974 New Mexico $59,505 Oklahoma $59,402 Alabama $59,023 South Dakota $58,387

Arkansas $58,040 West Virginia $57,854 Mississippi $57,295

Top Paying Cities for Mortgage Agents

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: $81,034
San Francisco: $80,146
Oakland: $78,457

San Jose, CA $81,034

San Francisco, CA $80,146

Oakland, CA $78,457

New York, NY $73,972

Paramus, NJ $73,073

Queens Village, NY $73,070

Passaic, NJ $73,009

Bergenfield, NJ $73,003

Stamford, CT $72,862

Huntington, NY $72,835

Newark, NJ $72,360

Bridgeport, CT $72,225

Vallejo, CA $72,097

New Brunswick, NJ $72,071

Petaluma, CA $72,033

Middlesex, NJ $71,911

Somerset, NJ $71,866

Santa Cruz, CA $71,782

Boston, MA $71,390

Monterey, CA $71,165

Seattle, WA $71,018

Santa Rosa, CA $71,005

Los Angeles, CA $70,986

Juneau, AK $70,818

Washington, DC $70,748

Orange, CA $70,519

Santa Ana, CA $70,349

Long Beach, CA $70,285

Anaheim, CA $70,272

Anchorage, AK $70,240

Santa Maria, CA $70,048

Everett, WA $70,035

Danbury, CT $69,809

Bremerton, WA $69,720

Tacoma, WA $69,489

New Suffolk, NY $69,487

Sacramento, CA $69,469

Santa Barbara, CA $69,399

Trenton, NJ $69,328

San Diego, CA $69,328

Brockton, MA $69,257

Fairbanks, AK $69,100

Lompoc, CA $68,936

Lowell, MA $68,884

Ventura, CA $68,872

Nashua, NH $68,859

Stockton, CA $68,853

Modesto, CA $68,384

Poughkeepsie, NY $68,242

Olympia, WA $68,120

Kennewick, WA $68,120

New Haven, CT $68,094

Lawrence, MA $67,863

Hartford, CT $67,799

Riverside, CA $67,786

New Bedford, MA $67,722

Richland, WA $67,722

Bakersfield, CA $67,632

San Bernardino, CA $67,606

New Britain, CT $67,600

Atlantic City, NJ $67,600

New London, CT $67,574

Norwich, CT $67,555

Portsmouth, NH $67,542

Boulder, CO $67,406

Portland, OR $67,317

Worcester, MA $67,311

Minneapolis, MN $67,111

Philadelphia, PA $67,022

Honolulu, HI $66,810

Saint Paul, MN $66,779

Vineland, NJ $66,765

Providence, RI $66,578

Chicago, IL $66,392

Bellingham, WA $66,315

Springfield, MA $66,263

Baltimore, MD $66,244

Chico, CA $66,084

Pittsfield, MA $65,910

Manchester, NH $65,788

Spokane, WA $65,505

Denver, CO $65,499

Albany, NY $65,197

Troy, NY $65,171

Nassau, NY $65,103

Schenectady, NY $65,036

Wilmington, DE $64,985

Burlington, VT $64,895

Salem, OR $64,869

Portland, ME $64,670

Yakima, WA $64,606

Rochester, MN $64,407

Reno, NV $64,375

Fresno, CA $64,375

Milwaukee, WI $64,317

Detroit, MI $64,253

Ann Arbor, MI $64,242

Allentown, PA $64,233

Colorado Springs, CO $64,124

Syracuse, NY $64,092

Carson City, NV $64,092

Houston, TX $64,002

Eugene, OR $63,970

Gary, IN $63,893

Springfield, OR $63,841

Bismarck, ND $63,829

Galveston, TX $63,784

Medford, OR $63,687

Fort Collins, CO $63,661

Concord, NH $63,629

Austin, TX $63,610

Mesa, AZ $63,475

Reading, PA $63,469

Phoenix, AZ $63,462

Dallas, TX $63,443

Saint Cloud, MN $63,381

Madison, WI $63,295

Utica, NY $63,122

Rochester, NY $63,019

Des Moines, IA $63,013

Raleigh, NC $63,006

Atlanta, GA $62,910

Battle Creek, MI $62,891

Salt Lake City, UT $62,871

Lancaster, PA $62,775

Harrisburg, PA $62,685

Kansas City, MO $62,621

Champaign, IL $62,608

Kansas City, KS $62,608

Fort Worth, TX $62,601

Columbus, OH $62,590

Boca Raton, FL $62,576

Pittsburgh, PA $62,550

Richmond, VA $62,524

Indianapolis, IN $62,511

Cleveland, OH $62,505

Las Vegas, NV $62,428

Cincinnati, OH $62,428

Petersburg, VA $62,332

Huntsville, AL $62,235

Lansing, MI $62,192

Lebanon, PA $62,184

Pueblo, CO $62,177

Appleton, WI $62,158

Buffalo, NY $62,132

Dayton, OH $62,113

Racine, WI $62,100

Charlotte, NC $62,094

Saint Louis, MO $62,075

York, PA $62,036

Elkhart, IN $62,036

Gastonia, NC $62,024

Billings, MT $62,008

Beaumont, TX $61,991

Lorain, OH $61,978

Benton Harbor, MI $61,965

Toledo, OH $61,953

Binghamton, NY $61,920

Rock Hill, SC $61,914

Rockford, IL $61,882

Springfield, IL $61,856

Elyria, OH $61,850

Fargo, ND $61,850

Flagstaff, AZ $61,805

Fort Lauderdale, FL $61,766

Duluth, MN $61,728

Miami, FL $61,728

Cheyenne, WY $61,683

Grand Forks, ND $61,683

Bangor, ME $61,541

Cedar Rapids, IA $61,471

Durham, NC $61,444

Louisville, KY $61,439

Grand Rapids, MI $61,426

Hialeah, FL $61,419

Casper, WY $61,329

Scranton, PA $61,252

New Orleans, LA $61,233

Virginia Beach, VA $61,227

Akron, OH $61,194

Peoria, IL $61,111

Sarasota, FL $61,098

Nashville, TN $61,053

Omaha, NE $61,053

Green Bay, WI $61,053

Baton Rouge, LA $61,021

Charleston, SC $61,008

Jamestown, NY $60,976

Davenport, IA $60,976

Tucson, AZ $60,944

Saint Petersburg, FL $60,905

Tampa, FL $60,892

Evansville, IN $60,854

Port Arthur, TX $60,854

Bradenton, FL $60,828

Santa Fe, NM $60,713

Orlando, FL $60,597

Clearwater, FL $60,578

Canton, OH $60,443

La Crosse, WI $60,443

Albuquerque, NM $60,404

Newport News, VA $60,398

High Point, NC $60,378

Ogden, UT $60,353

Corpus Christi, TX $60,301

Norfolk, VA $60,263

Laramie, WY $60,263

Rock Island, IL $60,224

Saginaw, MI $60,211

Jacksonville, FL $60,205

Salisbury, NC $60,192

Boise, ID $60,179

Moline, IL $60,147

Fort Myers, FL $60,128

Memphis, TN $60,115

Tulsa, OK $60,083

Waterloo, IA $60,044

Spartanburg, SC $59,980

Lincoln, NE $59,948

Fort Wayne, IN $59,935

Provo, UT $59,929

Cedar Falls, IA $59,852

San Antonio, TX $59,826

Greensboro, NC $59,800

South Bend, IN $59,794

Savannah, GA $59,723

Muskegon, MI $59,697

Birmingham, AL $59,691

Winston Salem, NC $59,660

Lake Charles, LA $59,505

Anderson, IN $59,492

Lexington, KY $59,473

Augusta, GA $59,453

Greenville, SC $59,453

Lima, OH $59,402

Wichita, KS $59,396

Tuscaloosa, AL $59,396

Columbia, SC $59,338

Springfield, OH $59,325

Asheville, NC $59,222

Bloomington, IN $59,177

Knoxville, TN $58,946

Shreveport, LA $58,939

Wilmington, NC $58,856

Roanoke, VA $58,856

Topeka, KS $58,740

Frankfort, KY $58,733

Oklahoma City, OK $58,689

Chillicothe, OH $58,663

Longview, TX $58,657

Melbourne, FL $58,650

Sioux Falls, SD $58,547

Mobile, AL $58,541

Terre Haute, IN $58,515

Altoona, PA $58,477

Amarillo, TX $58,432

Killeen, TX $58,413

Fayetteville, AR $58,361

Chattanooga, TN $58,342

Sioux City, IA $58,284

Idaho Falls, ID $58,271

Lynchburg, VA $58,220

Gainesville, FL $58,136

Portsmouth, OH $58,104

Little Rock, AR $58,091

Lafayette, LA $58,066

Youngstown, OH $58,066

Daytona Beach, FL $58,027

Clarksville, TN $58,021

Pensacola, FL $58,014

Temple, TX $58,010

Hopkinsville, KY $57,821

Erie, PA $57,809

Florence, SC $57,783

Charleston, WV $57,680

Great Falls, MT $57,648

Macon, GA $57,558

Tallahassee, FL $57,552

Fayetteville, NC $57,539

Waco, TX $57,526

Helena, MT $57,481

Pine Bluff, AR $57,457

Vincennes, IN $57,378

Lubbock, TX $57,352

Alamogordo, NM $57,314

Twin Falls, ID $57,256

Rapid City, SD $57,237

Jackson, MS $57,121

Huntington, WV $57,117

Greenville, MS $57,115

Parkersburg, WV $57,049

Montgomery, AL $57,038

Wichita Falls, TX $56,973

Springfield, MO $56,973

Biloxi, MS $56,941

Monroe, LA $56,877

Johnstown, PA $56,832

Sumter, SC $56,806

Columbus, GA $56,800

Pascagoula, MS $56,678

Abilene, TX $56,678

Kingsport, TN $56,511

Albany, GA $56,511

Gulfport, MS $56,492

Alexandria, LA $56,280

Fort Smith, AR $56,119

El Paso, TX $55,946

Las Cruces, NM $55,656

Harlingen, TX $55,493

Pocatello, ID $55,483

Florence, AL $55,399

Brownsville, TX $55,387

Mcallen, TX $55,252

Dothan, AL $55,162

Columbus, MS $54,780

Altus, OK $54,481

Lawton, OK $54,359

Pierre, SD $54,127

What Skills Can Increase a Mortgage Agent's Salary?

Demanded Skills for the Role:

Analysis (Mentioned in 4.98% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
Tax Return (Mentioned in 1.76% Job Postings): Calculating an entity’s income earned with the amount of tax payable to the government, organizations, or potential taxpayers.
Financial Services (Mentioned in 1.16% Job Postings): A services provided by the finance industry, which encompasses a broad range of businesses that manage money. These services involve banking, brokerage, mortgages, credit cards, payment services, real estate, investment funds, taxes and accounting.

See More Skills

Skills	Demand Percentage
Analysis	4.98%
Tax Return	1.76%
Financial Services	1.16%

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 Mortgage Agent's salary.

Consulting: Can increase your salary by up to 32%.
Partnering: Can increase your salary by up to 15%.
Verbal Communication: Can increase your salary by up to 9%.

Skill	Salary	Salary % Increase
Consulting	$84,805	32%
Partnering	$73,883	15%
Verbal Communication	$70,028	9%
Presentation	$68,743	7%
Insight	$68,101	6%
Tax Return	$68,101	6%

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How Education impacts a Mortgage Agent's Salary?

Your level of education can impact your salary potential. While many Mortgage Agents enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Mortgage Agent with a High School Diploma or Technical Certificate is between $54,716 and $59,386).

Mortgage Agent Salaries by Degree Level

Typical Education for Mortgage Agent

No Diploma 32.7%

High School 32.7%

Associates 8.9%

Bachelors 49.5%

Masters 8.9%

Doctorate 0.0%

view as table

Degree Level	% of user with this level of education
No Diploma	32.7%
High School	32.7%
Associates	8.9%
Bachelors	49.5%
Masters	8.9%
Doctorate	0.0%

view as graph

Mortgage Agent Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Mortgage Agent'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 May 01, 2026

$57,527

Average $64,246/year

$74,757

$4,794

Average $5,354/month

$6,230

$1,106

Average $1,236/week

$1,438

$28

Average $31/hour

$36

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$74,757	$6,230	$1,438	$36
Average	$64,246	$5,354	$1,236	$31
25th Percentile	$57,527	$4,794	$1,106	$28

Salaries of jobs related to Mortgage Agent

Salary Trends for Mortgage Agent

Salaries for a Mortgage Agent can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $58,293 in 2023 to around $57,539 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Mortgage Agent salary trends, .

Average Annual Salary of Mortgage Agent Over Time

2022

$???

2023

$58,293

2024

$57,856

2025

$57,539

2026

$???

2027

$???

Year	Average Annual Salary
2022	View More
2023	$58,293
2024	$57,856
2025	$57,539
2026	View More
2027	View More

Most common benefits for Mortgage Agent

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Where Does Our Salary Data Come From?

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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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