Explore More Salaries
Browse our database for salaries in other careers or locations.
Mortgage Underwriter Salary in Cardiff-By-The-Sea, CA
How much does a Mortgage Underwriter make in Cardiff-By-The-Sea, CA?
$93,131 (USD)/year
Average Bonus
$3,511 (USD)
per Year
Total Compensation
$95,460.04
Entry Level
$66,416
Median
$91,949
Senior Level
$106,036
As of July, 23, 2026, the average mortgage underwriter gross salary in Cardiff-By-The-Sea, California is $93,131 or an equivalent hourly rate of $45. In addition, mortgage underwriters earn an average bonus of $3,511. An entry level mortgage underwriter with 1-3 years of experience earns an average salary of $66,416. At the higher end of the pay range, a senior level mortgage underwriter with 8+ years of experience earns an average salary of $106,036. Salary estimates are based on salary survey data collected directly from employers in Cardiff-By-The-Sea, California.
Data powered by ERI
Salary Potential for a Mortgage Underwriter
Explore the estimated salary growth for a Mortgage Underwriter in Cardiff-By-The-Sea, CA for up to 5 years. The estimated salary of a Mortgage Underwriter will be $95,534 in 1 year and $105,783 in 5 years.
View Salary by Year
Estimated Salary
$97,999
Average Growth
5.2 %
The estimated salary for a Mortgage Underwriter in 2 years is $97,999, which is 5.2 % average growth. This information is based on ERI's compensation database.
Typical Mortgage Underwriter Education
This chart displays the highest level of education for Mortgage Underwriters.
- 0% of Mortgage Underwriters have less than a High School Diploma
- 17% of Mortgage Underwriters have a High School Diploma
- 15% of Mortgage Underwriters have an Associate's Degree
- 52% of Mortgage Underwriters have a Bachelor's Degree
- 16% of Mortgage Underwriters have a Master's Degree
- 0% of Mortgage Underwriters have a Doctorate Degree
The typical field of study for a Mortgage Underwriter is Finance.
See how education can impact your salaryPopular Skills for a Mortgage Underwriter
Examines information
95%
Gives approval
95%
Trains employees
5%
These are the most popular skills for Mortgage Underwriters. About 95% of Mortgage Underwriters have a skill in Examines information. The top 3 most popular skills for Mortgage Underwriters are examines information, gives approval, and trains employees.
See how skills can impact your salaryAre you getting paid what you're worth?
Discover your true earning potential. Get a personalized salary report and negotiate pay with confidence.
Where can a Mortgage Underwriter earn more?
Discover where a Mortgage Underwriter earns the most and choose a location that maximizes your career potential.
Mortgage Underwriter Salaries in Other Locations
Salaries for Similar Job Titles in Cardiff-By-The-Sea, CA
Mortgage Underwriter Jobs
View moreCost of Living in Cardiff-By-The-Sea, CA
The cost of living in Cardiff-By-The-Sea, CA is 85% higher than the national average.
85% higher
than the national average
Whether you're planning to move or just want to see the cost of living in different locations, our cost-of-living calculator is the place to start. Compare salaries for other locations by city, U.S. ZIP code, state, or country.
Explore Cost-of-Living Calculator
Frequently Asked Questions
What does a Mortgage Underwriter do?
Gives approval or denial for mortgage loans, following mortgage standards. Checks and examines information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.
How much does a Mortgage Underwriter make in Cardiff-By-The-Sea, CA?
The average salary for a Mortgage Underwriter is $93,131 per year or $44.77 per hour in Cardiff-By-The-Sea, CA. Top earners have reported making up to $106,036. However, the typical pay range in Cardiff-By-The-Sea, CA is between $66,416 and $106,036 annually.
What is the salary trajectory for a Mortgage Underwriter?
Mortgage Underwriter is projected to see a 13.6 % salary change in 5 years.
How can you increase your salary?
Increasing your salary often starts with understanding your value in today’s job market. You can increase your earning potential by building your skills, advancing your education, moving into a new role or industry, switching companies, or negotiating pay.
How can you negotiate a salary offer?
Negotiating a salary offer involves preparation and finding our your market value. Use our salary calculator to find out how much you should be paid based on what someone in your area, with similar experience, earns. Use this personalized report to help negotiate a higher salary offer or find your dream career.
What are some factors that impact Mortgage Underwriter salaries?
Several factors can impact your salary, including experience, company size, job market, location, industry, and more. Understanding how these factors affect your role can help you spot pay gaps and provide opportunities for a competitive salary.
About Our Data
This page is an excerpt of the much more complete compensation information available in ERI's Assessor Series.
ERI compiles the most robust and accurate salary, cost-of-living, and executive compensation survey database available. Data are analyzed using AI and traditional statistics, depending on which approach is best for a particular application. ERI collects salary survey data from five different sources, which you can learn about here.
Verified Sources
Data sourced from internal salary surveys, purchased surveys, public sources, HRIS data, and proprietary databases.
Real-Time Data
Our salary database is updated and verified approximately every six weeks.
Quality Assurance
Along with our data scientists, we have included AI in our rigorous process to analyze and provide the highest quality data.
For Employers
See How Employers Price Mortgage Underwriter
Explore how ERI's compensation data and analytics can help you benchmark salaries with ease and build competitive offers to maximize every pay decision.
Get Started