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Mortgage broker vs senior underwriter

The differences between mortgage brokers and senior underwriters can be seen in a few details. Each job has different responsibilities and duties. Additionally, a mortgage broker has an average salary of $124,376, which is higher than the $69,375 average annual salary of a senior underwriter.

The top three skills for a mortgage broker include loan applications, FHA and va. The most important skills for a senior underwriter are customer service, portfolio, and underwriting guidelines.

Mortgage broker vs senior underwriter overview

Mortgage BrokerSenior Underwriter
Yearly salary$124,376$69,375
Hourly rate$59.80$33.35
Growth rate4%-4%
Number of jobs12,7826,726
Job satisfaction--
Most common degreeBachelor's Degree, 64%Bachelor's Degree, 71%
Average age4544
Years of experience6-

Mortgage broker vs senior underwriter salary

Mortgage brokers and senior underwriters have different pay scales, as shown below.

Mortgage BrokerSenior Underwriter
Average salary$124,376$69,375
Salary rangeBetween $89,000 And $172,000Between $44,000 And $108,000
Highest paying City-New York, NY
Highest paying state-New York
Best paying company-Capital Group
Best paying industry-Insurance

Differences between mortgage broker and senior underwriter education

There are a few differences between a mortgage broker and a senior underwriter in terms of educational background:

Mortgage BrokerSenior Underwriter
Most common degreeBachelor's Degree, 64%Bachelor's Degree, 71%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Mortgage broker vs senior underwriter demographics

Here are the differences between mortgage brokers' and senior underwriters' demographics:

Mortgage BrokerSenior Underwriter
Average age4544
Gender ratioMale, 67.5% Female, 32.5%Male, 42.0% Female, 58.0%
Race ratioBlack or African American, 9.3% Unknown, 4.6% Hispanic or Latino, 16.1% Asian, 6.4% White, 63.0% American Indian and Alaska Native, 0.5%Black or African American, 9.3% Unknown, 2.5% Hispanic or Latino, 9.4% Asian, 5.6% White, 72.9% American Indian and Alaska Native, 0.4%
LGBT Percentage8%9%

Differences between mortgage broker and senior underwriter duties and responsibilities

Mortgage broker example responsibilities.

  • Educate clients on mortgage contractual guidelines and process FHA, VA, and conventional loans reviewing files for submission to underwriting.
  • Foster deeper client relationships with commercial and residential lenders driving referrals by delivering excellent customer service.
  • Originate residential conventional, VA, home equity, commercial and construction loans.
  • Establish a network of contacts with community banks, appraisers, lenders, and other brokers.
  • Originate, process, and submit all types of commercial and SBA loans to the applicable lender.
  • Develop business plan, raise investment capital, create business processes, and obtain licensing, VA certification, HUD approval.
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Senior underwriter example responsibilities.

  • Manage AUS findings and analyze approvals and results accordingly.
  • Perform underwriter approval/declines on FHA, VA, FmHA and conventional loan applications providing financing for one-to-four family residential properties.
  • Fix and n variable annuities.
  • Check for the accuracy and proper recording of UCC filings and mortgages.
  • Order and review flood searches, title reports, UCC searches, appraisals, insurance policies and binders, and contracts.
  • Review preliminary HUD-1 for accuracy.
  • Show more

Mortgage broker vs senior underwriter skills

Common mortgage broker skills
  • Loan Applications, 14%
  • FHA, 8%
  • Va, 8%
  • Loan Programs, 5%
  • Credit Reports, 5%
  • Loan Process, 5%
Common senior underwriter skills
  • Customer Service, 11%
  • Portfolio, 8%
  • Underwriting Guidelines, 5%
  • Strong Analytical, 4%
  • SR, 4%
  • Excellent Interpersonal, 4%

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