What is the average Mortgage Loan Officer salary in the US?

The national median Mortgage Loan Officer salary is $72,000 per year. Entry-level positions start around $48,000, while senior professionals earn $162,000 or more.

Which city pays Mortgage Loan Officers the most?

San Francisco offers the highest median Mortgage Loan Officer salary at $108K per year among the cities we track. However, high-cost cities like San Francisco and New York often have lower purchasing power once cost of living is factored in.

How fast are Mortgage Loan Officer salaries growing?

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

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%
Jersey City, NJ	$68K	$102K	$153K	162	10.75%
Oakland, CA	$66K	$99K	$149K	185	9.3%
Washington, DC	$66K	$99K	$149K	152	8.5%
Newark, NJ	$65K	$97K	$146K	155	10.75%
Boston, MA	$63K	$95K	$143K	162	5%
Los Angeles, CA	$62K	$94K	$140K	163	9.3%
Arlington, VA	$62K	$94K	$140K	148	5.75%
Seattle, WA	$61K	$92K	$138K	150	None ✓
San Diego, CA	$60K	$90K	$135K	148	9.3%
Long Beach, CA	$59K	$88K	$132K	155	9.3%
Chicago, IL	$58K	$86K	$130K	107	4.95%
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%
Austin, TX	$53K	$79K	$119K	110	None ✓
Fort Lauderdale, FL	$53K	$79K	$119K	118	None ✓
Tacoma, WA	$53K	$79K	$119K	128	None ✓
Charlotte, NC	$53K	$79K	$119K	100	4.75%
Anchorage, AK	$53K	$79K	$119K	128	None ✓
Irving, TX	$52K	$78K	$117K	97	None ✓
McKinney, TX	$52K	$78K	$117K	108	None ✓
Aurora, CO	$52K	$78K	$117K	112	4.55%
St. Paul, MN	$52K	$78K	$117K	104	6.8%
Salt Lake City, UT	$52K	$78K	$117K	105	4.85%
Houston, TX	$51K	$76K	$114K	91	None ✓
Tampa, FL	$50K	$76K	$113K	102	None ✓
Phoenix, AZ	$50K	$76K	$113K	100	2.5%
Chandler, AZ	$50K	$76K	$113K	105	2.5%
Raleigh, NC	$50K	$76K	$113K	102	4.75%
Durham, NC	$50K	$76K	$113K	100	4.75%
Nashville, TN	$50K	$76K	$113K	102	None ✓
Fort Worth, TX	$49K	$73K	$110K	93	None ✓
Orlando, FL	$49K	$73K	$110K	100	None ✓
Richmond, VA	$49K	$73K	$110K	98	5.75%
Provo, UT	$49K	$73K	$110K	100	4.85%
Arlington, TX	$48K	$72K	$108K	94	None ✓
Garland, TX	$48K	$72K	$108K	91	None ✓
Amarillo, TX	$48K	$72K	$108K	82	None ✓
Grand Prairie, TX	$48K	$72K	$108K	90	None ✓
Frisco, TX	$48K	$72K	$108K	118	None ✓
Brownsville, TX	$48K	$72K	$108K	75	None ✓
Pasadena, TX	$48K	$72K	$108K	88	None ✓
Mesquite, TX	$48K	$72K	$108K	88	None ✓
Killeen, TX	$48K	$72K	$108K	80	None ✓
Midland, TX	$48K	$72K	$108K	92	None ✓
Waco, TX	$48K	$72K	$108K	82	None ✓
Abilene, TX	$48K	$72K	$108K	78	None ✓
Beaumont, TX	$48K	$72K	$108K	85	None ✓
Round Rock, TX	$48K	$72K	$108K	108	None ✓
Denton, TX	$48K	$72K	$108K	100	None ✓
Odessa, TX	$48K	$72K	$108K	85	None ✓
Carrollton, TX	$48K	$72K	$108K	102	None ✓
Tyler, TX	$48K	$72K	$108K	85	None ✓
Bakersfield, CA	$48K	$72K	$108K	95	9.3%
Anaheim, CA	$48K	$72K	$108K	148	9.3%
Santa Ana, CA	$48K	$72K	$108K	150	9.3%
Riverside, CA	$48K	$72K	$108K	118	9.3%
Stockton, CA	$48K	$72K	$108K	105	9.3%
Chula Vista, CA	$48K	$72K	$108K	138	9.3%
Irvine, CA	$48K	$72K	$108K	172	9.3%
San Bernardino, CA	$48K	$72K	$108K	100	9.3%
New York City, NY	$48K	$72K	$108K	187	6.85%
Yonkers, NY	$48K	$72K	$108K	165	6.85%
Syracuse, NY	$48K	$72K	$108K	88	6.85%
Albany, NY	$48K	$72K	$108K	98	6.85%
St. Petersburg, FL	$48K	$72K	$108K	105	None ✓
Hialeah, FL	$48K	$72K	$108K	115	None ✓
Port St. Lucie, FL	$48K	$72K	$108K	98	None ✓
Cape Coral, FL	$48K	$72K	$108K	100	None ✓
Tallahassee, FL	$48K	$72K	$108K	90	None ✓
Pembroke Pines, FL	$48K	$72K	$108K	112	None ✓
Hollywood, FL	$48K	$72K	$108K	115	None ✓
Gainesville, FL	$48K	$72K	$108K	88	None ✓
Aurora, IL	$48K	$72K	$108K	95	4.95%
Joliet, IL	$48K	$72K	$108K	90	4.95%
Naperville, IL	$48K	$72K	$108K	118	4.95%
Rockford, IL	$48K	$72K	$108K	80	4.95%
Vancouver, WA	$48K	$72K	$108K	118	None ✓
Bellevue, WA	$48K	$72K	$108K	175	None ✓
Kirkland, WA	$48K	$72K	$108K	162	None ✓
Mesa, AZ	$48K	$72K	$108K	98	2.5%
Glendale, AZ	$48K	$72K	$108K	95	2.5%
Gilbert, AZ	$48K	$72K	$108K	108	2.5%
Tempe, AZ	$48K	$72K	$108K	108	2.5%
Peoria, AZ	$48K	$72K	$108K	100	2.5%
Fort Collins, CO	$48K	$72K	$108K	112	4.55%
Lakewood, CO	$48K	$72K	$108K	115	4.55%
Thornton, CO	$48K	$72K	$108K	108	4.55%
Pueblo, CO	$48K	$72K	$108K	82	4.55%
Columbus, GA	$48K	$72K	$108K	82	5.75%
Augusta, GA	$48K	$72K	$108K	82	5.75%
Athens, GA	$48K	$72K	$108K	92	5.75%
Macon, GA	$48K	$72K	$108K	80	5.75%
Springfield, MA	$48K	$72K	$108K	105	5%
Cambridge, MA	$48K	$72K	$108K	185	5%
Lowell, MA	$48K	$72K	$108K	118	5%
Greensboro, NC	$48K	$72K	$108K	88	4.75%
Winston-Salem, NC	$48K	$72K	$108K	85	4.75%
Fayetteville, NC	$48K	$72K	$108K	82	4.75%
Cary, NC	$48K	$72K	$108K	112	4.75%
Norfolk, VA	$48K	$72K	$108K	95	5.75%
Chesapeake, VA	$48K	$72K	$108K	98	5.75%
Newport News, VA	$48K	$72K	$108K	95	5.75%
Alexandria, VA	$48K	$72K	$108K	145	5.75%
Chattanooga, TN	$48K	$72K	$108K	88	None ✓
Clarksville, TN	$48K	$72K	$108K	82	None ✓
Columbus, OH	$48K	$72K	$108K	90	3.99%
Cincinnati, OH	$48K	$72K	$108K	88	3.99%
Toledo, OH	$48K	$72K	$108K	78	3.99%
Akron, OH	$48K	$72K	$108K	80	3.99%
Dayton, OH	$48K	$72K	$108K	80	3.99%
Warren, MI	$48K	$72K	$108K	85	4.25%
Sterling Heights, MI	$48K	$72K	$108K	90	4.25%
Ann Arbor, MI	$48K	$72K	$108K	115	4.25%
Lansing, MI	$48K	$72K	$108K	85	4.25%
Pittsburgh, PA	$48K	$72K	$108K	90	3.07%
Allentown, PA	$48K	$72K	$108K	95	3.07%
Erie, PA	$48K	$72K	$108K	80	3.07%
Springfield, MO	$48K	$72K	$108K	80	5.3%
Independence, MO	$48K	$72K	$108K	85	5.3%
Fort Wayne, IN	$48K	$72K	$108K	80	3.23%
Evansville, IN	$48K	$72K	$108K	78	3.23%
South Bend, IN	$48K	$72K	$108K	82	3.23%
Green Bay, WI	$48K	$72K	$108K	88	5.3%
Kenosha, WI	$48K	$72K	$108K	90	5.3%
Rochester, MN	$48K	$72K	$108K	100	6.8%
Duluth, MN	$48K	$72K	$108K	92	6.8%
Salem, OR	$48K	$72K	$108K	105	9.9%
Eugene, OR	$48K	$72K	$108K	110	9.9%
Gresham, OR	$48K	$72K	$108K	118	9.9%
Las Vegas, NV	$48K	$72K	$108K	102	None ✓
Henderson, NV	$48K	$72K	$108K	105	None ✓
Reno, NV	$48K	$72K	$108K	108	None ✓
North Las Vegas, NV	$48K	$72K	$108K	98	None ✓
West Valley City, UT	$48K	$72K	$108K	98	4.85%
West Jordan, UT	$48K	$72K	$108K	100	4.85%
Orem, UT	$48K	$72K	$108K	98	4.85%
Lexington, KY	$48K	$72K	$108K	88	5%
Bowling Green, KY	$48K	$72K	$108K	80	5%
Montgomery, AL	$48K	$72K	$108K	80	5%
Mobile, AL	$48K	$72K	$108K	82	5%
North Charleston, SC	$48K	$72K	$108K	95	6.5%
Greenville, SC	$48K	$72K	$108K	92	6.5%
Norman, OK	$48K	$72K	$108K	80	4.75%
Broken Arrow, OK	$48K	$72K	$108K	82	4.75%
Shreveport, LA	$48K	$72K	$108K	78	6%
Lafayette, LA	$48K	$72K	$108K	85	6%
Frederick, MD	$48K	$72K	$108K	115	5.75%
Rockville, MD	$48K	$72K	$108K	148	5.75%
Paterson, NJ	$48K	$72K	$108K	140	10.75%
Elizabeth, NJ	$48K	$72K	$108K	145	10.75%
Edison, NJ	$48K	$72K	$108K	138	10.75%
Bridgeport, CT	$48K	$72K	$108K	118	6.99%
New Haven, CT	$48K	$72K	$108K	122	6.99%
Stamford, CT	$48K	$72K	$108K	158	6.99%
Des Moines, IA	$48K	$72K	$108K	88	4.82%
Cedar Rapids, IA	$48K	$72K	$108K	85	4.82%
Davenport, IA	$48K	$72K	$108K	82	4.82%
Overland Park, KS	$48K	$72K	$108K	100	5.7%
Kansas City, KS	$48K	$72K	$108K	85	5.7%
Lincoln, NE	$48K	$72K	$108K	85	5.84%
Las Cruces, NM	$48K	$72K	$108K	80	5.9%
Rio Rancho, NM	$48K	$72K	$108K	85	5.9%
Boise, ID	$48K	$72K	$108K	108	5.8%
Meridian, ID	$48K	$72K	$108K	105	5.8%
Nampa, ID	$48K	$72K	$108K	98	5.8%
Billings, MT	$48K	$72K	$108K	98	6.75%
Missoula, MT	$48K	$72K	$108K	102	6.75%
Great Falls, MT	$48K	$72K	$108K	88	6.75%
Cheyenne, WY	$48K	$72K	$108K	92	None ✓
Casper, WY	$48K	$72K	$108K	88	None ✓
Fargo, ND	$48K	$72K	$108K	90	2.5%
Bismarck, ND	$48K	$72K	$108K	88	2.5%
Sioux Falls, SD	$48K	$72K	$108K	88	None ✓
Rapid City, SD	$48K	$72K	$108K	88	None ✓
Jackson, MS	$48K	$72K	$108K	78	5%
Gulfport, MS	$48K	$72K	$108K	80	5%
Fort Smith, AR	$48K	$72K	$108K	75	4.9%
Fayetteville, AR	$48K	$72K	$108K	85	4.9%
Charleston, WV	$48K	$72K	$108K	78	6.5%
Huntington, WV	$48K	$72K	$108K	75	6.5%
Portland, ME	$48K	$72K	$108K	115	7.15%
Lewiston, ME	$48K	$72K	$108K	98	7.15%
Manchester, NH	$48K	$72K	$108K	118	None ✓
Nashua, NH	$48K	$72K	$108K	120	None ✓
Concord, NH	$48K	$72K	$108K	115	None ✓
Burlington, VT	$48K	$72K	$108K	118	6.6%
Providence, RI	$48K	$72K	$108K	118	5.99%
Warwick, RI	$48K	$72K	$108K	115	5.99%
Wilmington, DE	$48K	$72K	$108K	108	6.6%
Dover, DE	$48K	$72K	$108K	100	6.6%
Pearl City, HI	$48K	$72K	$108K	185	11%
Hilo, HI	$48K	$72K	$108K	155	11%
Fairbanks, AK	$48K	$72K	$108K	138	None ✓
Bethesda, MD	$48K	$72K	$108K	165	5.75%
Jacksonville, FL	$47K	$71K	$106K	93	None ✓
Virginia Beach, VA	$47K	$71K	$106K	98	5.75%
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%
Omaha, NE	$47K	$71K	$106K	88	5.84%
Colorado Springs, CO	$46K	$69K	$104K	102	4.55%
Detroit, MI	$46K	$69K	$104K	82	4.25%
Indianapolis, IN	$46K	$69K	$104K	88	3.23%
Milwaukee, WI	$46K	$69K	$104K	90	5.3%
San Antonio, TX	$46K	$68K	$103K	87	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%
Louisville, KY	$46K	$68K	$103K	85	5%
Huntsville, AL	$46K	$68K	$103K	88	5%
Cleveland, OH	$44K	$66K	$99K	82	3.99%
Birmingham, AL	$44K	$66K	$99K	82	5%
New Orleans, LA	$44K	$66K	$99K	92	6%
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%
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 Salaryby City (2026)