Loan Officers Salary
Loan Officers in North Carolina make a median of $75,920 a year, or about $36.5 an hour. The range runs from $43K at the entry level to $130K for experienced workers. Cost of living is below average (RPP 92.66), which stretches that salary to about $81,934 in buying power. Rent on a 2-bedroom averages $1,284/month, or 25.3% of estimated take-home pay.
Statewide average. Salary and cost of living vary significantly across North Carolina. Jump to a metro for precise data:
So what does $76K get you in North Carolina?
About loan officers
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What this looks like in North Carolina
Loan officers pay in North Carolina tracks closely to the national median, $76K locally vs. $77K nationwide, a 1% difference. Rent runs $1,284/month for a 2-bedroom (HUD FMR), taking 26.4% of the median take-home. That's within the 30% rule, though not by much. Regional Price Parity sits at 92.66 (national = 100), meaning everyday costs run about 7% cheaper here. Your dollar stretches further than the headline salary suggests. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compensation breakdown
Annual earnings by percentile, North Carolina
Entry-level loan officers (10th percentile) start around $43K. Mid-career wages sit at $76K. Top earners bring in $130K or more, a $87K spread from bottom to top.
Loan Officers salary by metro in North Carolina
15 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| Wilmington | $82K | +8% | 520 |
| Charlotte-Concord-Gastonia | $78K | +3% | 4,080 |
| Raleigh-Cary | $77K | +2% | 1,560 |
| Asheville | $76K | +0% | 190 |
| Winston-Salem | $73K | -4% | 300 |
| Fayetteville | $69K | -9% | 150 |
| Goldsboro | $67K | -11% | 60 |
| Pinehurst-Southern Pines | $66K | -13% | 50 |
| Durham-Chapel Hill | $64K | -16% | 360 |
| Rocky Mount | $64K | -16% | 90 |
| Hickory-Lenoir-Morganton | $63K | -16% | 130 |
| Greenville | $63K | -17% | 80 |
| Greensboro-High Point | $58K | -23% | 970 |
| Jacksonville | $58K | -24% | 80 |
| Burlington | $53K | -31% | 160 |
Showing 1–10 of 15 metros
Compare to other states
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BLS updates this data quarterly. We'll email you when North Carolina numbers change.
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Frequently asked questions
Can a loan officer afford a 2BR apartment alone in North Carolina?
Yes — at the median salary of $76K, rent takes 26.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,284/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for loan officers in North Carolina?
The 10th-percentile wage — what new loan officers typically earn — is $43K/year. Take-home on that works out to about $2,596/month. At HUD’s $1,284/month FMR, rent would take 49% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is loan officer a high-paying job in North Carolina?
Pay here is roughly in line with the national average — $76K locally vs. $77K nationally, a 1% difference.
How does North Carolina compare to the national average for loan officers?
North Carolina pays $76K median vs. the U.S. average of $77K — that’s -1%. After adjusting for local cost of living (RPP 92.66), the purchasing-power equivalent is $82K — still ahead of the national median.
How much do loan officers make in North Carolina?
The median is $75,920 a year, that works out to about $37 an hour. But the range is wide: entry-level workers start around $43,270, and experienced loan officers can clear $130,480. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $76K enough to live in North Carolina?
On that salary, you'd take home roughly $4,865/month after taxes. A 2-bedroom here rents for about $1,284/month, which eats 26.4% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a loan officers salary go in North Carolina?
North Carolina has a Regional Price Parity of 92.66 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median loan officers salary is worth about $81,934 in national-average purchasing power.
Where do loan officers get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.