Finance38% remote-eligible+2.5% YoY growth

Mortgage Loan Officer Salary
by City (2026)

Evaluate, authorize, and recommend mortgage loan applications for real estate purchases. National median: $72K/year. See how your city compares.

National median

$72K

Top 10% earn

$162K

Entry level

$48K

Salary growth

+2.5%/yr

Mortgage Loan Officer salary by city

Sorted by median salary

City	Entry	Median	Senior	COL	Tax
San Francisco, CA	$72K	$108K	$162K	224	9.3%
San Jose, CA	$70K	$104K	$157K	210	9.3%
New York City, NY	$68K	$102K	$153K	187	6.85%
Jersey City, NJ	$68K	$102K	$153K	162	10.75%
Cambridge, MA	$67K	$101K	$152K	185	5%
Pearl City, HI	$67K	$101K	$152K	185	11%
Oakland, CA	$66K	$99K	$149K	185	9.3%
Washington, DC	$66K	$99K	$149K	152	8.5%
Bellevue, WA	$65K	$98K	$147K	175	None ✓
Irvine, CA	$65K	$97K	$145K	172	9.3%
Newark, NJ	$65K	$97K	$146K	155	10.75%
Boston, MA	$63K	$95K	$143K	162	5%
Los Angeles, CA	$62K	$94K	$140K	163	9.3%
Yonkers, NY	$63K	$94K	$142K	165	6.85%
Kirkland, WA	$62K	$94K	$140K	162	None ✓
Arlington, VA	$62K	$94K	$140K	148	5.75%
Bethesda, MD	$63K	$94K	$142K	165	5.75%
Seattle, WA	$61K	$92K	$138K	150	None ✓
Stamford, CT	$61K	$92K	$138K	158	6.99%
Hilo, HI	$61K	$91K	$137K	155	11%
San Diego, CA	$60K	$90K	$135K	148	9.3%
Santa Ana, CA	$60K	$90K	$134K	150	9.3%
Anaheim, CA	$59K	$89K	$133K	148	9.3%
Rockville, MD	$59K	$89K	$133K	148	5.75%
Long Beach, CA	$59K	$88K	$132K	155	9.3%
Alexandria, VA	$59K	$88K	$132K	145	5.75%
Elizabeth, NJ	$59K	$88K	$132K	145	10.75%
Chula Vista, CA	$57K	$86K	$128K	138	9.3%
Chicago, IL	$58K	$86K	$130K	107	4.95%
Paterson, NJ	$58K	$86K	$129K	140	10.75%
Edison, NJ	$57K	$86K	$128K	138	10.75%
Fairbanks, AK	$57K	$86K	$128K	138	None ✓
Sacramento, CA	$57K	$85K	$127K	128	9.3%
Miami, FL	$57K	$85K	$127K	123	None ✓
Scottsdale, AZ	$55K	$83K	$124K	118	2.5%
Denver, CO	$55K	$83K	$124K	118	4.55%
Worcester, MA	$55K	$83K	$124K	120	5%
Philadelphia, PA	$55K	$83K	$124K	110	3.07%
Portland, OR	$55K	$83K	$124K	130	9.9%
Baltimore, MD	$55K	$83K	$124K	115	5.75%
Hartford, CT	$55K	$83K	$124K	118	6.99%
Honolulu, HI	$55K	$83K	$124K	192	11%
Dallas, TX	$55K	$82K	$123K	96	None ✓
Plano, TX	$54K	$81K	$121K	105	None ✓
Atlanta, GA	$54K	$81K	$121K	99	5.75%
Minneapolis, MN	$54K	$81K	$121K	106	6.8%
New Haven, CT	$54K	$80K	$121K	122	6.99%
Nashua, NH	$53K	$80K	$120K	120	None ✓
Austin, TX	$53K	$79K	$119K	110	None ✓
Frisco, TX	$53K	$79K	$119K	118	None ✓
Riverside, CA	$53K	$79K	$119K	118	9.3%
Fort Lauderdale, FL	$53K	$79K	$119K	118	None ✓
Naperville, IL	$53K	$79K	$119K	118	4.95%
Tacoma, WA	$53K	$79K	$119K	128	None ✓
Vancouver, WA	$53K	$79K	$119K	118	None ✓
Lowell, MA	$53K	$79K	$119K	118	5%
Charlotte, NC	$53K	$79K	$119K	100	4.75%
Gresham, OR	$53K	$79K	$119K	118	9.9%
Bridgeport, CT	$53K	$79K	$119K	118	6.99%
Manchester, NH	$53K	$79K	$119K	118	None ✓
Burlington, VT	$53K	$79K	$119K	118	6.6%
Providence, RI	$53K	$79K	$119K	118	5.99%
Anchorage, AK	$53K	$79K	$119K	128	None ✓
Irving, TX	$52K	$78K	$117K	97	None ✓
McKinney, TX	$52K	$78K	$117K	108	None ✓
Hialeah, FL	$52K	$78K	$117K	115	None ✓
Hollywood, FL	$52K	$78K	$117K	115	None ✓
Aurora, CO	$52K	$78K	$117K	112	4.55%
Lakewood, CO	$52K	$78K	$117K	115	4.55%
Ann Arbor, MI	$52K	$78K	$117K	115	4.25%
St. Paul, MN	$52K	$78K	$117K	104	6.8%
Salt Lake City, UT	$52K	$78K	$117K	105	4.85%
Frederick, MD	$52K	$78K	$117K	115	5.75%
Portland, ME	$52K	$78K	$117K	115	7.15%
Concord, NH	$52K	$78K	$117K	115	None ✓
Warwick, RI	$52K	$78K	$117K	115	5.99%
Pembroke Pines, FL	$51K	$77K	$116K	112	None ✓
Fort Collins, CO	$51K	$77K	$116K	112	4.55%
Cary, NC	$51K	$77K	$116K	112	4.75%
Houston, TX	$51K	$76K	$114K	91	None ✓
Round Rock, TX	$50K	$76K	$114K	108	None ✓
Tampa, FL	$50K	$76K	$113K	102	None ✓
Phoenix, AZ	$50K	$76K	$113K	100	2.5%
Chandler, AZ	$50K	$76K	$113K	105	2.5%
Gilbert, AZ	$50K	$76K	$114K	108	2.5%
Tempe, AZ	$50K	$76K	$114K	108	2.5%
Thornton, CO	$50K	$76K	$114K	108	4.55%
Raleigh, NC	$50K	$76K	$113K	102	4.75%
Durham, NC	$50K	$76K	$113K	100	4.75%
Nashville, TN	$50K	$76K	$113K	102	None ✓
Eugene, OR	$51K	$76K	$115K	110	9.9%
Boise, ID	$50K	$76K	$114K	108	5.8%
Wilmington, DE	$50K	$76K	$114K	108	6.6%
Stockton, CA	$50K	$75K	$112K	105	9.3%
Springfield, MA	$50K	$75K	$112K	105	5%
Salem, OR	$50K	$75K	$112K	105	9.9%
Henderson, NV	$50K	$75K	$112K	105	None ✓
Meridian, ID	$50K	$75K	$112K	105	5.8%
Carrollton, TX	$49K	$74K	$111K	102	None ✓
Missoula, MT	$49K	$74K	$111K	102	6.75%
Fort Worth, TX	$49K	$73K	$110K	93	None ✓
Denton, TX	$49K	$73K	$110K	100	None ✓
San Bernardino, CA	$49K	$73K	$110K	100	9.3%
Orlando, FL	$49K	$73K	$110K	100	None ✓
Cape Coral, FL	$49K	$73K	$110K	100	None ✓
Peoria, AZ	$49K	$73K	$110K	100	2.5%
Richmond, VA	$49K	$73K	$110K	98	5.75%
Rochester, MN	$49K	$73K	$110K	100	6.8%
Provo, UT	$49K	$73K	$110K	100	4.85%
West Jordan, UT	$49K	$73K	$110K	100	4.85%
Overland Park, KS	$49K	$73K	$110K	100	5.7%
Dover, DE	$49K	$73K	$110K	100	6.6%
Arlington, TX	$48K	$72K	$108K	94	None ✓
Garland, TX	$48K	$72K	$108K	91	None ✓
Albany, NY	$48K	$72K	$109K	98	6.85%
St. Petersburg, FL	$48K	$72K	$108K	105	None ✓
Port St. Lucie, FL	$48K	$72K	$109K	98	None ✓
Mesa, AZ	$48K	$72K	$108K	98	2.5%
Chesapeake, VA	$48K	$72K	$109K	98	5.75%
Columbus, OH	$48K	$72K	$108K	90	3.99%
Cincinnati, OH	$48K	$72K	$108K	88	3.99%
Pittsburgh, PA	$48K	$72K	$108K	90	3.07%
Las Vegas, NV	$48K	$72K	$108K	102	None ✓
Reno, NV	$48K	$72K	$108K	108	None ✓
North Las Vegas, NV	$48K	$72K	$109K	98	None ✓
West Valley City, UT	$48K	$72K	$109K	98	4.85%
Orem, UT	$48K	$72K	$109K	98	4.85%
Des Moines, IA	$48K	$72K	$108K	88	4.82%
Nampa, ID	$48K	$72K	$109K	98	5.8%
Billings, MT	$48K	$72K	$109K	98	6.75%
Lewiston, ME	$48K	$72K	$109K	98	7.15%
Bakersfield, CA	$48K	$71K	$107K	95	9.3%
Jacksonville, FL	$47K	$71K	$106K	93	None ✓
Aurora, IL	$48K	$71K	$107K	95	4.95%
Glendale, AZ	$48K	$71K	$107K	95	2.5%
Virginia Beach, VA	$47K	$71K	$106K	98	5.75%
Norfolk, VA	$48K	$71K	$107K	95	5.75%
Newport News, VA	$48K	$71K	$107K	95	5.75%
Allentown, PA	$48K	$71K	$107K	95	3.07%
Kansas City, MO	$47K	$71K	$106K	90	5.3%
St. Louis, MO	$47K	$71K	$106K	86	5.3%
Madison, WI	$47K	$71K	$106K	102	5.3%
Charleston, SC	$47K	$71K	$106K	105	6.5%
North Charleston, SC	$48K	$71K	$107K	95	6.5%
Omaha, NE	$47K	$71K	$106K	88	5.84%
Grand Prairie, TX	$47K	$70K	$105K	90	None ✓
Midland, TX	$47K	$70K	$106K	92	None ✓
Tallahassee, FL	$47K	$70K	$105K	90	None ✓
Joliet, IL	$47K	$70K	$105K	90	4.95%
Athens, GA	$47K	$70K	$106K	92	5.75%
Sterling Heights, MI	$47K	$70K	$105K	90	4.25%
Kenosha, WI	$47K	$70K	$105K	90	5.3%
Duluth, MN	$47K	$70K	$106K	92	6.8%
Greenville, SC	$47K	$70K	$106K	92	6.5%
Cheyenne, WY	$47K	$70K	$106K	92	None ✓
Fargo, ND	$47K	$70K	$105K	90	2.5%
Pasadena, TX	$46K	$69K	$104K	88	None ✓
Mesquite, TX	$46K	$69K	$104K	88	None ✓
Syracuse, NY	$46K	$69K	$104K	88	6.85%
Gainesville, FL	$46K	$69K	$104K	88	None ✓
Colorado Springs, CO	$46K	$69K	$104K	102	4.55%
Greensboro, NC	$46K	$69K	$104K	88	4.75%
Chattanooga, TN	$46K	$69K	$104K	88	None ✓
Detroit, MI	$46K	$69K	$104K	82	4.25%
Indianapolis, IN	$46K	$69K	$104K	88	3.23%
Milwaukee, WI	$46K	$69K	$104K	90	5.3%
Green Bay, WI	$46K	$69K	$104K	88	5.3%
Lexington, KY	$46K	$69K	$104K	88	5%
Great Falls, MT	$46K	$69K	$104K	88	6.75%
Casper, WY	$46K	$69K	$104K	88	None ✓
Bismarck, ND	$46K	$69K	$104K	88	2.5%
Sioux Falls, SD	$46K	$69K	$104K	88	None ✓
Rapid City, SD	$46K	$69K	$104K	88	None ✓
San Antonio, TX	$46K	$68K	$103K	87	None ✓
Beaumont, TX	$45K	$68K	$102K	85	None ✓
Odessa, TX	$45K	$68K	$102K	85	None ✓
Tyler, TX	$45K	$68K	$102K	85	None ✓
Fresno, CA	$46K	$68K	$103K	102	9.3%
Buffalo, NY	$46K	$68K	$103K	88	6.85%
Rochester, NY	$46K	$68K	$103K	90	6.85%
Winston-Salem, NC	$45K	$68K	$102K	85	4.75%
Warren, MI	$45K	$68K	$102K	85	4.25%
Lansing, MI	$45K	$68K	$102K	85	4.25%
Independence, MO	$45K	$68K	$102K	85	5.3%
Louisville, KY	$46K	$68K	$103K	85	5%
Huntsville, AL	$46K	$68K	$103K	88	5%
Lafayette, LA	$45K	$68K	$102K	85	6%
Cedar Rapids, IA	$45K	$68K	$102K	85	4.82%
Kansas City, KS	$45K	$68K	$102K	85	5.7%
Lincoln, NE	$45K	$68K	$102K	85	5.84%
Rio Rancho, NM	$45K	$68K	$102K	85	5.9%
Fayetteville, AR	$45K	$68K	$102K	85	4.9%
Amarillo, TX	$45K	$67K	$101K	82	None ✓
Killeen, TX	$44K	$67K	$100K	80	None ✓
Waco, TX	$45K	$67K	$101K	82	None ✓
Rockford, IL	$44K	$67K	$100K	80	4.95%
Pueblo, CO	$45K	$67K	$101K	82	4.55%
Columbus, GA	$45K	$67K	$101K	82	5.75%
Augusta, GA	$45K	$67K	$101K	82	5.75%
Macon, GA	$44K	$67K	$100K	80	5.75%
Fayetteville, NC	$45K	$67K	$101K	82	4.75%
Clarksville, TN	$45K	$67K	$101K	82	None ✓
Akron, OH	$44K	$67K	$100K	80	3.99%
Dayton, OH	$44K	$67K	$100K	80	3.99%
Erie, PA	$44K	$67K	$100K	80	3.07%
Springfield, MO	$44K	$67K	$100K	80	5.3%
Fort Wayne, IN	$44K	$67K	$100K	80	3.23%
South Bend, IN	$45K	$67K	$101K	82	3.23%
Bowling Green, KY	$44K	$67K	$100K	80	5%
Montgomery, AL	$44K	$67K	$100K	80	5%
Mobile, AL	$45K	$67K	$101K	82	5%
Norman, OK	$44K	$67K	$100K	80	4.75%
Broken Arrow, OK	$45K	$67K	$101K	82	4.75%
Davenport, IA	$45K	$67K	$101K	82	4.82%
Las Cruces, NM	$44K	$67K	$100K	80	5.9%
Gulfport, MS	$44K	$67K	$100K	80	5%
Abilene, TX	$44K	$66K	$99K	78	None ✓
Cleveland, OH	$44K	$66K	$99K	82	3.99%
Toledo, OH	$44K	$66K	$99K	78	3.99%
Evansville, IN	$44K	$66K	$99K	78	3.23%
Birmingham, AL	$44K	$66K	$99K	82	5%
New Orleans, LA	$44K	$66K	$99K	92	6%
Shreveport, LA	$44K	$66K	$99K	78	6%
Jackson, MS	$44K	$66K	$99K	78	5%
Charleston, WV	$44K	$66K	$99K	78	6.5%
Brownsville, TX	$43K	$65K	$97K	75	None ✓
Spokane, WA	$43K	$65K	$97K	95	None ✓
Memphis, TN	$43K	$65K	$97K	82	None ✓
Grand Rapids, MI	$43K	$65K	$97K	90	4.25%
Columbia, SC	$43K	$65K	$97K	88	6.5%
Oklahoma City, OK	$43K	$65K	$97K	82	4.75%
Baton Rouge, LA	$43K	$65K	$97K	88	6%
Fort Smith, AR	$43K	$65K	$97K	75	4.9%
Huntington, WV	$43K	$65K	$97K	75	6.5%
Corpus Christi, TX	$42K	$63K	$95K	84	None ✓
Tucson, AZ	$42K	$63K	$95K	90	2.5%
Savannah, GA	$42K	$63K	$95K	92	5.75%
Knoxville, TN	$42K	$63K	$95K	85	None ✓
Tulsa, OK	$42K	$63K	$95K	80	4.75%
Albuquerque, NM	$42K	$63K	$95K	88	5.9%
Wichita, KS	$41K	$62K	$93K	82	5.7%
El Paso, TX	$41K	$61K	$92K	82	None ✓
Little Rock, AR	$41K	$61K	$92K	82	4.9%
Lubbock, TX	$39K	$59K	$89K	78	None ✓
Laredo, TX	$37K	$56K	$84K	76	None ✓

COL-adjusted: where does your salary go furthest?

A $72K Mortgage Loan Officer salary in Houston (COL 91, no tax) has significantly more purchasing power than the same salary in San Francisco (COL 224, 9.3% state tax). Use our calculator to see the real numbers.

Try COL Calculator →

Mortgage Loan Officer Salary Guide (2026)

The national median salary for a Mortgage Loan Officer is $72,000 per year. Entry-level positions typically start at $48,000, while experienced professionals in the top 25% earn $108,000 or more. The highest-paid 10% of Mortgage Loan Officers nationally earn $162,000+.

Education and requirements

Bachelor's; NMLS license required. This role is 38% remote-eligible nationally, which significantly expands the geographic job market for workers in lower cost-of-living cities.

Salary growth outlook

Mortgage Loan Officer compensation is growing at 2.5% annually, near the national average wage growth rate.

Mortgage Loan Officer salary FAQ

How much does a Mortgage Loan Officer make?

The median Mortgage Loan Officer salary in the US is $72,000 per year — about $35/hour. Most earn between $48,000 (25th percentile) and $108,000 (75th percentile).

What is the starting salary for a Mortgage Loan Officer?

Entry-level Mortgage Loan Officer positions typically start around $48,000 per year. Pay rises with experience, specialization, and location.

How much do the highest-paid Mortgage Loan Officers earn?

The top 10% of Mortgage Loan Officers earn $162,000 or more per year — usually senior, lead, or specialized professionals in high-cost or high-demand markets.

Which city pays Mortgage Loan Officers the most?

San Francisco has the highest median Mortgage Loan Officer salary at $108K among the cities we track. But high-cost metros like San Francisco and New York often have lower real purchasing power once cost of living and taxes are factored in.

Are Mortgage Loan Officer salaries going up?

Yes — Mortgage Loan Officer pay is growing about 2.5% year over year, near the US average wage-growth rate.

Mortgage Loan Officer Salaryby City (2026)