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Senior loan consultant vs mortgage underwriter

The differences between senior loan consultants and mortgage underwriters can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a senior loan consultant and a mortgage underwriter. Additionally, a mortgage underwriter has an average salary of $55,721, which is higher than the $34,256 average annual salary of a senior loan consultant.

The top three skills for a senior loan consultant include origination, loan applications and loan products. The most important skills for a mortgage underwriter are customer service, work ethic, and FHA.

Senior loan consultant vs mortgage underwriter overview

Senior Loan ConsultantMortgage Underwriter
Yearly salary$34,256$55,721
Hourly rate$16.47$26.79
Growth rate4%4%
Number of jobs22,8729,260
Job satisfaction--
Most common degreeBachelor's Degree, 67%Bachelor's Degree, 65%
Average age4545
Years of experience66

Senior loan consultant vs mortgage underwriter salary

Senior loan consultants and mortgage underwriters have different pay scales, as shown below.

Senior Loan ConsultantMortgage Underwriter
Average salary$34,256$55,721
Salary rangeBetween $27,000 And $42,000Between $38,000 And $80,000
Highest paying City-New York, NY
Highest paying state-New Mexico
Best paying company-CTBC Bank
Best paying industry-Professional

Differences between senior loan consultant and mortgage underwriter education

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

Senior Loan ConsultantMortgage Underwriter
Most common degreeBachelor's Degree, 67%Bachelor's Degree, 65%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Senior loan consultant vs mortgage underwriter demographics

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

Senior Loan ConsultantMortgage Underwriter
Average age4545
Gender ratioMale, 64.7% Female, 35.3%Male, 39.3% Female, 60.7%
Race ratioBlack or African American, 9.3% Unknown, 4.6% Hispanic or Latino, 16.2% Asian, 6.4% White, 63.0% American Indian and Alaska Native, 0.5%Black or African American, 9.2% Unknown, 4.6% Hispanic or Latino, 15.9% Asian, 6.4% White, 63.4% American Indian and Alaska Native, 0.5%
LGBT Percentage8%8%

Differences between senior loan consultant and mortgage underwriter duties and responsibilities

Senior loan consultant example responsibilities.

  • Manage all HMDA reporting, and performing post-closing review of loan documentation.
  • Specialize in mortgage lending for customers with complex credit portfolios and government loan programs to include FHA and VA loans.
  • Originate loans through FHA and conventional lenders through knowledge of programs guidelines and availability, following all of RESPA guidelines.
  • Maintain customer files and documents in RESPA compliance.
  • Oversee entire mortgage process including application, origination, underwriting and closing.
  • Create and implement training protocol for new recruits across origination, processing and post-closing.
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Mortgage underwriter example responsibilities.

  • Manage AUS findings and analyze approvals and results accordingly.
  • Involve with USDA and NH housing loans.
  • Obtain NMLS license in 2011 and real estate license in 2005.
  • Prepare and respond to compliance HMDA, NMLS, and ECOA relate inquiries.
  • Audit and analyze TIL, GFE and HUD documentation for accuracy to insure compliance.
  • Review MHA and FHA guidelines and calculate proper income to approve or decline loans for a temporary or permanent modification.
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Senior loan consultant vs mortgage underwriter skills

Common senior loan consultant skills
  • Origination, 12%
  • Loan Applications, 10%
  • Loan Products, 9%
  • Escrow, 7%
  • FHA, 6%
  • Va, 6%
Common mortgage underwriter skills
  • Customer Service, 7%
  • Work Ethic, 6%
  • FHA, 5%
  • Va, 5%
  • Excellent Organizational, 4%
  • Excellent Interpersonal, 4%

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