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Mortgage loan counselor vs mortgage specialist

The differences between mortgage loan counselors and mortgage specialists can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 1-2 years to become a mortgage loan counselor, becoming a mortgage specialist takes usually requires 2-4 years. Additionally, a mortgage loan counselor has an average salary of $45,635, which is higher than the $38,757 average annual salary of a mortgage specialist.

The top three skills for a mortgage loan counselor include customer service, FHA and loan process. The most important skills for a mortgage specialist are customer service, residential mortgage loans, and origination.

Mortgage loan counselor vs mortgage specialist overview

Mortgage Loan CounselorMortgage Specialist
Yearly salary$45,635$38,757
Hourly rate$21.94$18.63
Growth rate-3%-3%
Number of jobs38,48826,471
Job satisfaction--
Most common degreeBachelor's Degree, 54%Bachelor's Degree, 55%
Average age4542
Years of experience24

Mortgage loan counselor vs mortgage specialist salary

Mortgage loan counselors and mortgage specialists have different pay scales, as shown below.

Mortgage Loan CounselorMortgage Specialist
Average salary$45,635$38,757
Salary rangeBetween $35,000 And $57,000Between $29,000 And $51,000
Highest paying City-Oakland, CA
Highest paying state-Washington
Best paying company-Citi
Best paying industry-Finance

Differences between mortgage loan counselor and mortgage specialist education

There are a few differences between a mortgage loan counselor and a mortgage specialist in terms of educational background:

Mortgage Loan CounselorMortgage Specialist
Most common degreeBachelor's Degree, 54%Bachelor's Degree, 55%
Most common majorBusinessBusiness
Most common collegeStanford UniversityUniversity of Pennsylvania

Mortgage loan counselor vs mortgage specialist demographics

Here are the differences between mortgage loan counselors' and mortgage specialists' demographics:

Mortgage Loan CounselorMortgage Specialist
Average age4542
Gender ratioMale, 39.6% Female, 60.4%Male, 39.3% Female, 60.7%
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, 13.3% Unknown, 4.4% Hispanic or Latino, 14.2% Asian, 7.5% White, 60.2% American Indian and Alaska Native, 0.4%
LGBT Percentage8%7%

Differences between mortgage loan counselor and mortgage specialist duties and responsibilities

Mortgage loan counselor example responsibilities.

  • Innovate technical solutions, including development of complex macros within MSP, to automate work and reduce manual processes
  • Develop effective partnerships with non-profit organizations and community developments to improve origination of affordable housing loans for first time home buyers.
  • Help customers to bring their accounts current through negotiation and listening skills and programs that are available through Drivetime for assistance.

Mortgage specialist example responsibilities.

  • Manage internal team SharePoint and document repository.
  • Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
  • Work due diligence and process loans per FHLMC guidelines on conventional, USDA, FHA/VA and CHFA/DAP loans.
  • Advise clients with mortgage needs by providing information regarding traditional and government programs, including USVA, FHA and VA loans.
  • Review HUD-1's to confirm fees and charges with initial GFE and RESPA compliance, order wire and provide funding approval.
  • Maintain a working knowledge of FDCPA and RESPA guidelines.
  • Show more

Mortgage loan counselor vs mortgage specialist skills

Common mortgage loan counselor skills
  • Customer Service, 19%
  • FHA, 11%
  • Loan Process, 9%
  • Outbound Calls, 9%
  • Payment Arrangements, 8%
  • Loan Modifications, 4%
Common mortgage specialist skills
  • Customer Service, 22%
  • Residential Mortgage Loans, 6%
  • Origination, 6%
  • FHA, 5%
  • Va, 5%
  • Loan Applications, 4%

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