Loan Officers pay range in Modesto
New workers and the lowest-paid 10% earn about $39,120 a year or less, while the top 10% make $200,760 or more. The middle half of loan officers in Modesto earn between $58,590 and $125,010.
- $39K10th
- $59K25th
- $82KMedian
- $125K75th
- $201K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $106,380 | $8,865 | $51.14 |
| Median | $82,250 | $6,854 | $39.54 |
| Entry level (25th percentile) | $58,590 | $4,882 | $28.17 |
| Experienced (75th percentile) | $125,010 | $10,418 | $60.10 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Modesto vs. California and the U.S.
Loan officers in Modesto earn 10% more than the California average ($97,120) and 21% more than the U.S. average ($87,790). At the median the gap is +7% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Modesto | $106,380 | $82,250 | $39,120 | $200,760 | 190 |
| 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 Modesto
On the average salary of $106,380, a single filer in Modesto takes home about $77,867 a year, or $6,489 a month and $2,995 every two weeks. Taxes take 27% 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 Modesto a good place for loan officers? Pay vs. cost of living
Prices in the Modesto area are 4% above the U.S. average (BEA price parity 104.1), so the average $106,380 buys what about $102,182 would buy in a typical U.S. metro. This job pays 1.6 times the median wage of all jobs in Modesto ($50,610). A typical home costs $468,302, or 4.4 years of this average salary before tax.
Loan Officers salary in other California cities
Modesto ranks 5th 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
- Redding$97,870
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
Does this match what you are paid?
Anonymous, no account. Results update as visitors answer.
Share your pay anonymously
Loan Officers salary in Modesto: questions
How much do loan officers make an hour in Modesto?
$51.14 an hour on average, and $39.55 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Modesto?
The lowest-paid 10% earn about $39,120 a year and the 25th percentile is $58,590, a fair guide to starting pay.
What is the loan officers take-home pay in Modesto?
About $77,867 a year ($6,489 a month) for a single filer on the average salary of $106,380. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do loan officers earn more in Modesto than elsewhere?
The average here is 21% 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 Modesto, CA (33700). Relative standard error of the mean wage: 5.5%.
- 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 0.56, this job is less common than in the U.S. overall (location quotient 0.56).
Read the full methodology. Spotted an error? Tell us.