Evaluate, authorize, and recommend mortgage loan applications for real estate purchases. Median salary in Garland: $72K/year. Data from BLS, O*NET, and H-1B disclosures.
Figures represent annual base salary in Garland, Texas. Reviewed by SalaryOptics Editorial · How we calculate this →
Analysis derived from the salary, COL, tax, and labor-market figures above — specific to this role and city.
Adjusted for Garland's cost-of-living index (91), the median Mortgage Loan Officer salary buys the equivalent of $79,121 in a US-average-cost city. That's $7,121 more purchasing power than the national median — a meaningful real-wage advantage.
Texas has no state income tax, which is worth roughly $6,696 per year at this salary level compared to a California Mortgage Loan Officer on the same gross pay. A Garland Mortgage Loan Officer would need to earn $79,383 in California to net the same take-home.
Average 1-bedroom rent in Garland ($1,200/mo) consumes approximately 28% of an after-tax median Mortgage Loan Officer salary. Financial planners typically recommend keeping housing under 30% of take-home — a salary at the 75th percentile ($108K) brings that ratio into a more comfortable range here.
Based on BLS 2022–2032 Employment Projections and WEF Future of Jobs Report 2026. At current growth rates, median salary reaches $72K by 2030.
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The median Mortgage Loan Officer salary in Garland, TX is $72,000 per year as of Q1 2026. This figure represents the midpoint of all reported compensation for this role in the Garland–TX metropolitan area, based on data from the Bureau of Labor Statistics Occupational Employment Statistics, H-1B visa disclosures from the Department of Labor, and O*NET occupational data.
Entry-level Mortgage Loan Officers in Garland with 0–2 years of experience typically earn between $48,000 and $72,000 annually. Mid-career professionals with 3–7 years command $72,000 to $108,000, while senior-level practitioners with 8+ years of experience regularly earn $108,000 to $162,000 or more.
Garland has a cost of living index of 91 compared to the US national average of 100. This means your salary goes approximately 9% further in Garland than the national average. Crucially, Texas has no state income tax — giving Garland-based Mortgage Loan Officers an immediate 5–7% take-home pay advantage over workers in states like California (9.3%) or New York (6.85%).
Bachelor's; NMLS license required. 38% of these roles offer some remote flexibility.