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Home mortgage consultant vs senior loan processor

The differences between home mortgage consultants and senior loan processors can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a home mortgage consultant and a senior loan processor. Additionally, a senior loan processor has an average salary of $50,297, which is higher than the $36,437 average annual salary of a home mortgage consultant.

The top three skills for a home mortgage consultant include customer service, financial professionals and NMLS. The most important skills for a senior loan processor are customer service, FHA, and va.

Home mortgage consultant vs senior loan processor overview

Home Mortgage ConsultantSenior Loan Processor
Yearly salary$36,437$50,297
Hourly rate$17.52$24.18
Growth rate4%4%
Number of jobs53,98721,995
Job satisfaction--
Most common degreeBachelor's Degree, 72%Bachelor's Degree, 50%
Average age4545
Years of experience66

What does a home mortgage consultant do?

Mortgage Consultants work to help people or businesses find the right lenders to get a mortgage from. They work with customers to find options that fit their current circumstances and financial capacity. They deal with lending institutions (banks, credit unions, mortgage bankers, or savings and loan associations) and act on behalf of potential borrowers to get the best deals. Consultants prefer working as independent contractors and not work for lending institutions and convince real estate agents to recommend them to clients when they apply for a loan.

What does a senior loan processor do?

A senior loan processor works in a financial institution to solicit, negotiate, and coordinate consumers' and commercial loans. Old loan processors must review and verify loan documents and ensure that the required documents are complete and accurate. In the case of missing documentation, senior loan processors must communicate with customers to avoid loan approval delay. Old loan processors must also obtain a bachelor's degree in finance, business administration, or any other related field.

Home mortgage consultant vs senior loan processor salary

Home mortgage consultants and senior loan processors have different pay scales, as shown below.

Home Mortgage ConsultantSenior Loan Processor
Average salary$36,437$50,297
Salary rangeBetween $26,000 And $50,000Between $33,000 And $75,000
Highest paying City-Baltimore, MD
Highest paying state-Hawaii
Best paying company-Accenture
Best paying industry-Professional

Differences between home mortgage consultant and senior loan processor education

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

Home Mortgage ConsultantSenior Loan Processor
Most common degreeBachelor's Degree, 72%Bachelor's Degree, 50%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Home mortgage consultant vs senior loan processor demographics

Here are the differences between home mortgage consultants' and senior loan processors' demographics:

Home Mortgage ConsultantSenior Loan Processor
Average age4545
Gender ratioMale, 62.7% Female, 37.3%Male, 23.0% Female, 77.0%
Race ratioBlack or African American, 9.2% Unknown, 4.6% Hispanic or Latino, 16.1% Asian, 6.4% White, 63.2% American Indian and Alaska Native, 0.5%Black or African American, 9.1% Unknown, 4.6% Hispanic or Latino, 15.8% Asian, 6.3% White, 63.6% American Indian and Alaska Native, 0.5%
LGBT Percentage8%8%

Differences between home mortgage consultant and senior loan processor duties and responsibilities

Home mortgage consultant example responsibilities.

  • Analyze applications to manage customer data and ensure an accurate loan origination process for purchase and refinance transactions.
  • Originate home loans for customers with various financing needs that include conventional, VA & FHA loans and high-risk consumers.
  • Advise customers regarding other foreclosure prevention alternatives including short sale and deed in lieu.
  • Register with NMLS and S.A.F.E.
  • Determine workout options including loan modifications, pre-foreclosure sale, deed in lieu, repayment plans and forbearance agreements.
  • Continue with on going training for new or experience collection counselor about information systems and collection guidelines in accordance with FDCPA.
  • Show more

Senior loan processor example responsibilities.

  • Work knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors.
  • Monitor compliance with the regulatory and secondary markets guidelines with FNMA, FHLMC, VA, FHA investors and PMI loans.
  • Process conforming, non-conforming, FHA, and VA files from the time of application to the day of funding.
  • Analyze all pertinent financial and credit data to determine the loan risk for bank, VA, and investor guidelines.
  • Process, close, and perform preliminary underwriting on conventional, FHA, and VA loans retail purchase and refinance.
  • Create charts and client files using calyx system.
  • Show more

Home mortgage consultant vs senior loan processor skills

Common home mortgage consultant skills
  • Customer Service, 34%
  • Financial Professionals, 10%
  • NMLS, 10%
  • Real Estate Transactions, 9%
  • Customer Applications, 8%
  • Credit Data, 6%
Common senior loan processor skills
  • Customer Service, 14%
  • FHA, 8%
  • Va, 8%
  • Property Appraisals, 6%
  • Calculate Income, 6%
  • Loan Applications, 6%

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