Loan Officers Salary
Loan Officers in Stockton-Lodi, CA make a median of $79,810 a year, or about $38.37 an hour. The range runs from $39K at the entry level to $197K for experienced workers. Prices run high here (RPP 105.09), so that salary is closer to $75,944 in real purchasing power. A 2-bedroom apartment runs $1,742/month, about 33.4% of take-home, which is tight.
So what does $80K get you in Stockton-Lodi?
Groceries, utilities, transportation, and healthcare scaled from national averages by Stockton-Lodi’s Regional Price Parity (105.09). 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
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What this looks like in Stockton-Lodi
Loan officers pay in Stockton-Lodi tracks closely to the national median, $80K locally vs. $77K nationwide, a 4% difference. Rent runs $1,742/month for a 2-bedroom (HUD FMR), taking 34.3% of the median take-home. That's within the 30% rule, though not by much. Cost-of-living overall is 5% above the national average (BEA RPP 105.09), so groceries and services cost more too. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compared to nearby metros
Median pay for loan officers in metros near Stockton-Lodi, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $80K | $71K |
| San Francisco-Oakland-Fremont | $103K | $89K |
| San Diego-Chula Vista-Carlsbad | $82K | $73K |
| Sacramento-Roseville-Folsom | $79K | $74K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Stockton-Lodi, CA
Entry-level loan officers (10th percentile) start around $39K. Mid-career wages sit at $80K. Top earners bring in $197K or more, a $158K 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
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Frequently asked questions
Can a loan officer afford a 2BR apartment alone in Stockton-Lodi?
It’s a stretch — at the median salary of $80K, rent takes 34.3% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,742/month. The 30% guideline puts the comfortable ceiling at roughly $1,500/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for loan officers in Stockton-Lodi?
The 10th-percentile wage — what new loan officers typically earn — is $39K/year. Take-home on that works out to about $2,327/month. At HUD’s $1,742/month FMR, rent would take 75% 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 Stockton-Lodi?
Pay here is roughly in line with the national average — $80K locally vs. $77K nationally, a 4% difference.
How does Stockton-Lodi compare to the national average for loan officers?
Stockton-Lodi pays $80K median vs. the U.S. average of $77K — that’s +4%. After adjusting for local cost of living (RPP 105.09), the purchasing-power equivalent is $76K — below the national median.
How much do loan officers make in Stockton-Lodi, CA?
The median is $79,810 a year, that works out to about $38 an hour. But the range is wide: entry-level workers start around $38,780, and experienced loan officers can clear $196,880. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $80K enough to live in Stockton-Lodi?
On that salary, you'd take home roughly $5,081/month after taxes. A 2-bedroom here rents for about $1,742/month, which eats 34.3% 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 Stockton-Lodi?
Stockton-Lodi has a Regional Price Parity of 105.09 (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 $75,944 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.