Loan Officers Salary
Loan Officers in San Diego-Chula Vista-Carlsbad, CA make a median of $81,770 a year, or about $39.31 an hour. The range runs from $40K at the entry level to $168K for experienced workers. Prices run high here (RPP 111.89), so that salary is closer to $73,081 in real purchasing power. A 2-bedroom apartment runs $3,001/month, about 58.4% of take-home, which is tight.
So what does $82K get you in San Diego-Chula Vista-Carlsbad?
Groceries, utilities, transportation, and healthcare scaled from national averages by San Diego-Chula Vista-Carlsbad’s Regional Price Parity (111.89). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About loan officers
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
What this looks like in San Diego-Chula Vista-Carlsbad
Loan officers pay in San Diego-Chula Vista-Carlsbad tracks closely to the national median, $82K locally vs. $77K nationwide, a 7% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $3,001/month, which is 57.9% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 12% above the national average (BEA RPP 111.89), so groceries and services cost more too. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for loan officers in metros near San Diego-Chula Vista-Carlsbad, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $80K | $71K |
| San Francisco-Oakland-Fremont | $103K | $89K |
| Sacramento-Roseville-Folsom | $79K | $74K |
| Riverside-San Bernardino-Ontario | $79K | $74K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, San Diego-Chula Vista-Carlsbad, CA
Entry-level loan officers (10th percentile) start around $40K. Mid-career wages sit at $82K. Top earners bring in $168K or more, a $129K spread from bottom to top.
Loan Officers pay across states
Median income ranked highest to lowest, compared to the national figure
View Loan Officers salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| Massachusetts | $102K | +32% | 4,470 |
| Connecticut | $96K | +25% | 2,220 |
| New York | $96K | +25% | 10,840 |
| Minnesota | $95K | +24% | 6,430 |
| Colorado | $95K | +23% | 3,230 |
| Oregon | $94K | +23% | 4,220 |
| New Jersey | $93K | +21% | 6,200 |
| District of Columbia | $93K | +21% | 370 |
| Vermont | $89K | +16% | 350 |
| Kansas | $87K | +13% | 3,540 |
| North Dakota | $85K | +10% | 1,370 |
| Iowa | $84K | +9% | 2,840 |
| Delaware | $83K | +8% | 1,420 |
| Maine | $82K | +7% | 1,060 |
| California | $82K | +7% | 25,790 |
| New Hampshire | $81K | +5% | 1,120 |
| Washington | $80K | +4% | 6,040 |
| South Dakota | $80K | +4% | 1,820 |
| Nebraska | $80K | +4% | 2,710 |
| Wyoming | $80K | +4% | 740 |
| Illinois | $79K | +3% | 10,890 |
| Virginia | $78K | +2% | 8,790 |
| Wisconsin | $78K | +2% | 4,940 |
| Rhode Island | $77K | +1% | 1,290 |
| Ohio | $76K | -0% | 9,880 |
| North Carolina | $76K | -1% | 10,700 |
| Michigan | $74K | -3% | 11,340 |
| Missouri | $74K | -4% | 7,050 |
| Maryland | $74K | -4% | 3,850 |
| Oklahoma | $73K | -5% | 4,100 |
| Indiana | $73K | -5% | 4,790 |
| Alaska | $73K | -5% | 490 |
| Montana | $72K | -7% | 1,180 |
| Florida | $71K | -7% | 18,830 |
| Idaho | $71K | -7% | 2,030 |
| Arkansas | $70K | -8% | 2,610 |
| Pennsylvania | $69K | -10% | 8,140 |
| Georgia | $68K | -11% | 9,540 |
| Alabama | $67K | -13% | 5,050 |
| Texas | $66K | -13% | 21,200 |
| Nevada | $65K | -16% | 2,580 |
| Hawaii | $64K | -17% | 980 |
| South Carolina | $63K | -18% | 4,140 |
| Tennessee | $63K | -18% | 6,510 |
| New Mexico | $63K | -18% | 1,140 |
| Arizona | $62K | -19% | 10,020 |
| Kentucky | $62K | -19% | 3,940 |
| Louisiana | $61K | -20% | 2,810 |
| Mississippi | $60K | -21% | 3,450 |
| Utah | $59K | -22% | 3,990 |
| West Virginia | $58K | -25% | 1,290 |
Showing 1–10 of 51 (all 50 states + DC)
Track loan officers salary changes
BLS updates this data quarterly. We'll email you when San Diego-Chula Vista-Carlsbad numbers change.
Related careers in Business & Finance
Frequently asked questions
Can a loan officer afford a 2BR apartment alone in San Diego-Chula Vista-Carlsbad?
It’s a stretch — at the median salary of $82K, rent takes 57.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $3,001/month. The 30% guideline puts the comfortable ceiling at roughly $1,600/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for loan officers in San Diego-Chula Vista-Carlsbad?
The 10th-percentile wage — what new loan officers typically earn — is $40K/year. Take-home on that works out to about $2,378/month. At HUD’s $3,001/month FMR, rent would take 126% 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 San Diego-Chula Vista-Carlsbad?
Pay here is roughly in line with the national average — $82K locally vs. $77K nationally, a 7% difference.
How does San Diego-Chula Vista-Carlsbad compare to the national average for loan officers?
San Diego-Chula Vista-Carlsbad pays $82K median vs. the U.S. average of $77K — that’s +7%. After adjusting for local cost of living (RPP 111.89), the purchasing-power equivalent is $73K — below the national median.
How much do loan officers make in San Diego-Chula Vista-Carlsbad, CA?
The median is $81,770 a year, that works out to about $39 an hour. But the range is wide: entry-level workers start around $39,640, and experienced loan officers can clear $168,140. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $82K enough to live in San Diego-Chula Vista-Carlsbad?
On that salary, you'd take home roughly $5,181/month after taxes. A 2-bedroom here rents for about $3,001/month, which eats 57.9% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a loan officers salary go in San Diego-Chula Vista-Carlsbad?
San Diego-Chula Vista-Carlsbad has a Regional Price Parity of 111.89 (100 is the national average). Prices are above average here, so your dollar buys less than the same salary would in a cheaper metro. After cost-of-living adjustment, the median loan officers salary is worth about $73,081 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.