Loan Officers pay range in El Centro
New workers and the lowest-paid 10% earn about $42,070 a year or less, while the top 10% make $163,420 or more. The middle half of loan officers in El Centro earn between $60,920 and $127,420.
- $42K10th
- $61K25th
- $78KMedian
- $127K75th
- $163K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $96,300 | $8,025 | $46.30 |
| Median | $78,350 | $6,529 | $37.67 |
| Entry level (25th percentile) | $60,920 | $5,077 | $29.29 |
| Experienced (75th percentile) | $127,420 | $10,618 | $61.26 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in El Centro vs. California and the U.S.
Loan officers in El Centro earn about the same as the California average ($97,120) and 10% more than the U.S. average ($87,790). At the median the gap is +2% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| El Centro | $96,300 | $78,350 | $42,070 | $163,420 | 60 |
| California | $97,120 | $81,770 | $37,460 | $169,040 | 25,790 |
| United States | $87,790 | $76,690 | $39,430 | $153,180 | 274,330 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Loan Officers salary after taxes in El Centro
On the average salary of $96,300, a single filer in El Centro takes home about $71,713 a year, or $5,976 a month and $2,758 every two weeks. Taxes take 26% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Is El Centro a good place for loan officers? Pay vs. cost of living
Prices in the El Centro area are 5% below the U.S. average (BEA price parity 95.2), so the average $96,300 buys what about $101,183 would buy in a typical U.S. metro. This job pays 1.7 times the median wage of all jobs in El Centro ($45,140). A typical home costs $379,330, or 3.9 years of this average salary before tax.
Loan Officers salary in other California cities
El Centro ranks 12th of 24 California metro areas for this job; San Francisco pays the most ($116,480).
- San Francisco$116,480
- Santa Maria$112,610
- San Jose$110,240
- Napa$108,320
- Modesto$106,380
- Salinas$103,980
- Vallejo$103,580
- Stockton$103,440
- San Luis Obispo$101,810
- El Centro$96,300
Highest-paying cities for loan officers
Elmira, NY pays this job the most of the metro areas we cover ($129,370).
- Elmira, NY$129,370
- New York, NY$121,180
- Boston, MA$120,300
- San Francisco, CA$116,480
- Norwich, CT$116,460
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Loan Officers salary in El Centro: questions
How much do loan officers make an hour in El Centro?
$46.30 an hour on average, and $37.67 at the median (BLS, May 2025).
What is the entry-level loan officers salary in El Centro?
The lowest-paid 10% earn about $42,070 a year and the 25th percentile is $60,920, a fair guide to starting pay.
What is the loan officers take-home pay in El Centro?
About $71,713 a year ($5,976 a month) for a single filer on the average salary of $96,300. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do loan officers earn more in El Centro than elsewhere?
The average here is 10% more than the U.S. average for this job ($87,790).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2072; area El Centro, CA (20940). Relative standard error of the mean wage: 4.9%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
- Job concentration: location quotient 0.52, this job is less common than in the U.S. overall (location quotient 0.52).
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