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Mortgage Analyst Jobs (NOW HIRING)

CEI

Mortgage Credit Analyst

Manhattan, NY · On-site

Mortgage Credit Analyst Job at a Glance Title: Mortgage Credit Analyst Location: New York City, NY (Hybrid ) Contract: W2 only, Pay: $ 72 /hour + optional medical, dental, vision, 401(k) match ...

AmeriSave Mortgage Corp.

$65K/yr

Minimum of 3 years of mortgage experience (processing) * Adept in complex income analysis and appraisal and title review * Proficient with DU * Excellent customer service skills * Excellent ...

Pennymac

Mortgage Trading Analyst

Westlake Village, CA · On-site

$55K - $85K/yr

A Typical Day The Mortgage Trading Analyst will conduct extensive analysis on various mortgage portfolios & loan level data. As the Trading Analyst , you will also act as a junior supervised trader ...

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Mortgage Analyst information

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$16

$36

$63

How much do mortgage analyst jobs pay per hour?

As of Jul 25, 2026, the average hourly pay for mortgage analyst in the United States is $36.19, according to ZipRecruiter salary data. Most workers in this role earn between $20.91 and $53.85 per hour, depending on experience, location, and employer.

How much income to qualify for a $200,000 mortgage?

A mortgage analyst would note that qualifying income depends on the lender's debt-to-income ratio, typically around 28-36%. For a $200,000 mortgage, assuming a 30-year term and 3.5% interest, the gross monthly income needed is approximately $5,500 to $6,500, meaning annual income of about $66,000 to $78,000. Borrowers should also have a good credit score and stable employment to meet qualification standards.

What Does a Mortgage Analyst Do?

As a mortgage analyst, your responsibilities are to assess the financial risks and rewards pertaining to the execution of a mortgage or loan application. You also determine how to mitigate the risks by suggesting ways for the mortgage lender to capitalize on the loan, such as by suggesting servicing transfers or passing on the servicing rights to another financial vendor. When dealing with commercial mortgage applicants, you might assess the financial institution’s loan inventory to determine how to capitalize on those loans to advanced credit to applicants.

What are the key skills and qualifications needed to thrive as a Mortgage Analyst, and why are they important?

To thrive as a Mortgage Analyst, you need strong analytical skills, attention to detail, and a background in finance or accounting, often supported by a relevant degree. Familiarity with mortgage underwriting software, financial modeling tools, and regulatory compliance systems is commonly required. Excellent communication, problem-solving abilities, and time management make someone stand out in this position. These skills ensure accurate risk assessment, informed decision-making, and effective collaboration with clients and stakeholders in the mortgage process.

How much does a loan officer make on a $500,000 loan?

A mortgage analyst or loan officer typically earns a commission or fee based on the loan amount, often around 0.5% to 1% of the loan. For a $500,000 loan, this could translate to $2,500 to $5,000 in fees or commissions, depending on the lender and compensation structure. Actual earnings vary based on experience, location, and the specific terms of the loan agreement.

What are some common challenges faced by Mortgage Analysts when assessing loan applications?

Mortgage Analysts often encounter challenges such as evaluating complex financial documents, assessing risk in non-standard borrower situations, and staying updated with ever-changing lending regulations. Balancing thorough risk assessment with competitive turnaround times can also be demanding, especially during high-volume periods. Developing strong communication skills is essential, as analysts frequently collaborate with underwriters, loan officers, and clients to clarify application details and ensure all necessary documentation is complete.

What is the difference between Mortgage Analyst vs Mortgage Underwriter?

AspectMortgage AnalystMortgage Underwriter
Primary RoleAnalyzes mortgage data, assesses risk, and prepares reports for decision-making.Reviews loan applications, verifies documentation, and approves or rejects mortgage loans.
Required CredentialsTypically requires a bachelor's degree; certifications like MLO or mortgage licensing may be beneficial.Requires similar credentials; often needs mortgage licensing and underwriting certifications.
Work EnvironmentOffice setting, often working with financial data and reports.Office environment, closely reviewing loan files and documentation.
Industry UsageCommonly employed by banks, mortgage companies, and financial institutions.Primarily employed by lenders and mortgage companies for loan approval processes.

While both roles operate within the mortgage industry and require similar credentials, a Mortgage Analyst focuses on analyzing data and assessing risk, whereas a Mortgage Underwriter reviews applications and makes approval decisions. Understanding these differences helps in choosing the right career path or job search focus.

How much does a mortgage broker make on a $500,000 mortgage?

A mortgage analyst or broker typically earns a commission based on a percentage of the loan amount, often around 0.5% to 1%. For a $500,000 mortgage, this could translate to $2,500 to $5,000 in commission, though actual earnings depend on the broker's agreement and the lender's policies.

What does a mortgage analyst do?

A mortgage analyst evaluates loan applications, reviews financial documents, and assesses borrower creditworthiness to determine loan eligibility. They analyze property values, ensure compliance with lending guidelines, and often use financial software to support decision-making in a fast-paced environment.
More about Mortgage Analyst jobs
What cities are hiring for Mortgage Analyst jobs? Cities with the most Mortgage Analyst job openings:
What are the most commonly searched types of Mortgage Analyst jobs? The most popular types of Mortgage Analyst jobs are:
Who are the top companies hiring for Mortgage Analyst jobs? The top employers for Mortgage Analyst jobs are:
What states have the most Mortgage Analyst jobs? States with the most job openings for Mortgage Analyst jobs include:
What job categories do people searching Mortgage Analyst jobs look for? The top searched job categories for Mortgage Analyst jobs are:
What are popular job titles related to Mortgage Analyst jobs? For Mortgage Analyst jobs, the most frequently searched job titles are:
Mortgage Analyst jobs near you
Infographic showing various Mortgage Analyst job openings in the United States as of July 2026, with employment types broken down into 89% Full Time, 6% Part Time, 1% Temporary, and 4% Contract. Highlights an 83% Physical, 7% Hybrid, and 10% Remote job distribution, with an average salary of $75,267 per year, or $36.2 per hour.
Junior Mortgage Consultant

Junior Mortgage Consultant

Mutual of Omaha Mortgage

Independence, OH • On-site

$17/hr

Full-time

Medical, Dental, Vision, Retirement

Posted 8 days ago

Job description

No mortgage experience? No problem.

At Mutual of Omaha Mortgage, we hand you warm, inbound leads from customers who are already interested in working with us — no cold calling, no buying your own leads, no guessing your way through it. We invest in your training from day one so you can build a real career in mortgage lending, starting now.

Company Overview

Mutual of Omaha Mortgage is a division of Mutual of Omaha Insurance, built on hometown values and a reputation customers already trust. That trust makes your job easier — when you call, people want to talk. We're a full-service lender offering residential mortgages, refinancing, and specialty loans, backed by an outstanding operations team and pricing that stays competitive in any market.

We operate in a fast-paced, entrepreneurial environment where everyone strives to be the best — and we invest in your growth every step of the way.

Job Summary

The Junior Mortgage Consultant role is your launchpad into loan origination. You'll work directly alongside experienced Mortgage Analysts, connecting with customers by phone and email, guiding them through basic questions about the loan process, and gathering the information needed to move deals forward. You'll also help drive social media marketing and reach out to past customers to keep relationships warm. This role is designed to grow — many of our Junior Consultants move into full Mortgage Analyst positions as they build experience.

Why Choose Mutual:

  • Inbound Leads, Not Cold Calls — Our Mortgage Analysts work incoming leads from customers already interested in Mutual of Omaha Mortgage. It's the kind of opportunity most sales roles never offer.
  • Coaching From Day One — No mortgage background? No inside sales experience? We provide extensive call coaching so you can build confidence and skill with real support behind you.
  • Love What You Do — Help clients find real financial solutions. Sell from the heart, not with seedy tactics. Go home knowing you made a genuine impact in someone's life.
  • Work/Life Balance — 40 hours a week, Monday–Friday, with flexible scheduling and robust benefits.
  • Awesome Culture — Volunteer events, company outings, and some friendly competition on the ping pong table. Our family-like culture stands out.
  • Room to Grow — Your hard work here creates your next opportunity. Many Junior Consultants advance into Mortgage Analyst and other roles over time.

The Person:

  • You've got previous sales or customer service experience — full-time, part-time, any industry counts
  • Mortgage experience is a plus, but not required
  • Bachelor's degree preferred
  • You're motivated, competitive, and driven to succeed
  • You're a strong communicator who builds relationships easily
  • You're comfortable in Microsoft Office, especially Outlook

The Perks:

  • $17/hour base pay, plus commission on funded and closed loans — Junior Consultants typically earn an additional $500–$2,000 per month in commission on top of base pay, depending on performance
  • 40 hours/week, Monday–Friday — real work/life balance
  • Medical, Dental, Vision, 401K with company match, and FSA
  • Real growth opportunities into Mortgage Analyst and other roles

We're growing our office with long-term employees who are building a career, not just taking a job. If that's you, we want to talk.

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