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Credit processor vs mortgage loan processor

The differences between credit processors and mortgage loan processors can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 3-6 months to become a credit processor, becoming a mortgage loan processor takes usually requires 2-4 years. Additionally, a mortgage loan processor has an average salary of $43,594, which is higher than the $31,890 average annual salary of a credit processor.

The top three skills for a credit processor include data entry, customer service and financial statements. The most important skills for a mortgage loan processor are customer service, FHA, and va.

Credit processor vs mortgage loan processor overview

Credit ProcessorMortgage Loan Processor
Yearly salary$31,890$43,594
Hourly rate$15.33$20.96
Growth rate-3%-3%
Number of jobs11,08816,276
Job satisfaction--
Most common degreeBachelor's Degree, 41%Bachelor's Degree, 50%
Average age4442
Years of experience64

Credit processor vs mortgage loan processor salary

Credit processors and mortgage loan processors have different pay scales, as shown below.

Credit ProcessorMortgage Loan Processor
Average salary$31,890$43,594
Salary rangeBetween $26,000 And $38,000Between $33,000 And $57,000
Highest paying City-San Francisco, CA
Highest paying state-Massachusetts
Best paying company-Amplify Credit Union
Best paying industry-Professional

Differences between credit processor and mortgage loan processor education

There are a few differences between a credit processor and a mortgage loan processor in terms of educational background:

Credit ProcessorMortgage Loan Processor
Most common degreeBachelor's Degree, 41%Bachelor's Degree, 50%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Credit processor vs mortgage loan processor demographics

Here are the differences between credit processors' and mortgage loan processors' demographics:

Credit ProcessorMortgage Loan Processor
Average age4442
Gender ratioMale, 25.3% Female, 74.7%Male, 21.7% Female, 78.3%
Race ratioBlack or African American, 9.8% Unknown, 3.9% Hispanic or Latino, 17.4% Asian, 4.0% White, 64.4% American Indian and Alaska Native, 0.6%Black or African American, 13.3% Unknown, 4.3% Hispanic or Latino, 14.2% Asian, 6.8% White, 61.1% American Indian and Alaska Native, 0.4%
LGBT Percentage9%7%

Differences between credit processor and mortgage loan processor duties and responsibilities

Credit processor example responsibilities.

  • Manage accounting operations, accounting close, account reporting and reconciliations.
  • Obtain credit reports, run background checks
  • Review specific lender guidelines for conventional, FHA and VA refinance/purchase transactions.
  • Analyze personal credit reports and Dunn & Bradstreet business credit reports.
  • Review closing agents' packages after closing, wire funds and review HUD-1 documents.
  • Verify all documentation meets FHA guidelines and regulations.
  • Show more

Mortgage loan processor example responsibilities.

  • Manage individual pipeline using the LPS system.
  • Manage a monthly pipeline averaging 100 files from origination to funding per month as a Jr. processor.
  • Process all types of loan products including FHA, VA, conventional, no income verification, and the self-employed borrower.
  • Assist with executing all loan sales in the secondary market to FNMA, FHLMC and private investors.
  • Verify and validate loan applications for conforming, FHA, VA applications via DU/LP and complex lender software programs.
  • Process USDA and conventional loans.
  • Show more

Credit processor vs mortgage loan processor skills

Common credit processor skills
  • Data Entry, 16%
  • Customer Service, 15%
  • Financial Statements, 6%
  • Credit Card Processing, 5%
  • Credit Card Payments, 5%
  • Credit Bureaus, 4%
Common mortgage loan processor skills
  • Customer Service, 22%
  • FHA, 6%
  • Va, 6%
  • Property Appraisals, 5%
  • Excellent Organizational, 5%
  • Investor Guidelines, 5%

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