Mortgage Officer Salary in Java, VA

How much does a Mortgage Officer make in Java, VA?

As of April 01, 2026, the average salary for a Mortgage Officer in Java, VA is $46,588 per year, which breaks down to an hourly rate of $22.

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

  • Top Earners (90th percentile): $54,808
  • Majority Range (25th-75th percentile): $41,627 to $50,891
  • Entry-Level (10th percentile): $37,110
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Paid Annually Paid Monthly Paid Semimonthly Paid Biweekly Paid Weekly Paid Hourly
View as table View as graph 25% $41,627 10% $37,110 90% $54,808 75% $50,891 $46,588 50%(Median) Didn’t find job title? Click

Mortgage Officer Salaries by Percentile

Annual
Salary		 Monthly
Pay		 Weekly
Pay		 Hourly
Wage
75th Percentile $50,891 $4,241 $979 $24
Average $46,588 $3,882 $896 $22
25th Percentile $41,627 $3,469 $801 $20
Check out Mortgage Officer Job Openings in Java, VA
Mortgage Loan Officer

PNC - Norfolk, VA

Mortgage Loan Officer

Fulton Bank - Richmond, VA

Residential Mortgage Loan Officer

C&F Mortgage Corporation - Waynesboro, VA

Residential Mortgage Loan Officer

C&F Mortgage Corporation - Charlottesville, VA

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Key Factors That Influence Mortgage Officer Salaries

A Mortgage 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, skills and company size can directly affect your earning potential.

How Experience Level Affects Mortgage Officer Salaries?

Experience is a primary driver of a Mortgage 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): $45,358
  • Early Career (1-2 years): $46,272
  • Mid-Level (2-4 years): $47,664
  • Senior-Level (5-8 years): $47,854
  • Expert (over 8 years): $48,170
Levels Salary
Entry Level Mortgage Officer$45,358
Intermediate Level Mortgage Officer$46,272
Senior Level Mortgage Officer$47,664
Specialist Level Mortgage Officer$47,854
Expert Level Mortgage Officer$48,170
$45,358 0 yr
$46,272 < 2 yrs
$47,664 2-4 yrs
$47,854 5-8 yrs
$48,170 > 8 yrs
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What Am I Worth?

Top Paying Cities for Mortgage 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: $65,421
  • San Francisco: $64,778
  • Oakland: $63,342

What Skills Can Increase a Mortgage Officer's Salary?

Demanded Skills for the Role:

  • Attention to Detail (Mentioned in 2.9% Job Postings): Executing and completing a task with a high level of accuracy.
  • Microsoft Office (Mentioned in 2.78% Job Postings): Microsoft Office is a suite of desktop productivity applications that is designed by Microsoft for business use. You can create documents containing text and images, work with data in spreadsheets and databases, create presentations and posters.
  • Facility Management (Mentioned in 1.51% Job Postings): Facility management (or facilities management or FM) is a professional management discipline focused upon the efficient and effective delivery of support services for the organizations that it serves. The International Organization for Standardization(ISO) defines facility Management as the "organizational function which integrates people, place and process within the built environment with the purpose of improving the quality of life of people and the productivity of the core business."
See More Skills
Skills Demand Percentage
Attention to Detail 2.9%
Microsoft Office 2.78%
Facility Management 1.51%
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 Officer's salary.
  • Making An Impact: Can increase your salary by up to 36%.
  • Leadership: Can increase your salary by up to 16%.
  • Procurement: Can increase your salary by up to 16%.
Skill Salary Salary % Increase
Making An Impact
 $63,360
36%
Leadership
 $54,042
16%
Procurement
 $54,042
16%
Time Management
 $53,576
15%
Financial Management
 $53,110
14%
Attention to Detail
 $52,179
12%
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Mortgage Officer Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Mortgage 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.

  • Yearly
  • Monthly
  • Weekly
  • Hourly
  • Table View
Last Updated on April 01, 2026
$41,627
Average $46,588/year
$50,891
$3,469
Average $3,882/month
$4,241
$801
Average $896/week
$979
$20
Average $22/hour
$24
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $50,891 $4,241 $979 $24
Average $46,588 $3,882 $896 $22
25th Percentile $41,627 $3,469 $801 $20

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Cost of Living In Java, VA

Cost of Living in Java, VA is
-6.5% Lower
than the National Average

Use Salary.com's Cost of Living Calculator to find out what income you need to maintain your standard of living in a different city and how much more or less money you need to budget for basic expenses.

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Salary.com salary estimates, histograms, trends, and comparisons are derived from both employer job postings and third-party data sources. We also provide multiple percentiles of salary information for your reference, click here to know Why the Salary Midpoint Formula Is Crucial to Getting Pay Equity Right. With more online, real-time compensation data than any other website, Salary.com helps you determine your exact pay target.

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