Loan Officers pay range in San Jose
New workers and the lowest-paid 10% earn about $40,570 a year or less, while the top 10% make $205,560 or more. The middle half of loan officers in San Jose earn between $60,100 and $134,630.
- $41K10th
- $60K25th
- $95KMedian
- $135K75th
- $206K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $110,240 | $9,187 | $53.00 |
| Median | $95,090 | $7,924 | $45.72 |
| Entry level (25th percentile) | $60,100 | $5,008 | $28.89 |
| Experienced (75th percentile) | $134,630 | $11,219 | $64.73 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in San Jose vs. California and the U.S.
Loan officers in San Jose earn 14% more than the California average ($97,120) and 26% more than the U.S. average ($87,790). At the median the gap is +24% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| San Jose | $110,240 | $95,090 | $40,570 | $205,560 | 1,140 |
| 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 San Jose
On the average salary of $110,240, a single filer in San Jose takes home about $80,224 a year, or $6,685 a month and $3,086 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 San Jose a good place for loan officers? Pay vs. cost of living
Prices in the San Jose area are 10% above the U.S. average (BEA price parity 110.4), so the average $110,240 buys what about $99,834 would buy in a typical U.S. metro. This job pays 1.1 times the median wage of all jobs in San Jose ($84,050). A typical home costs $1,610,466, or 14.6 years of this average salary before tax.
Loan Officers salary in other California cities
San Jose ranks 3rd 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
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Loan Officers salary in San Jose: questions
How much do loan officers make an hour in San Jose?
$53.00 an hour on average, and $45.71 at the median (BLS, May 2025).
What is the entry-level loan officers salary in San Jose?
The lowest-paid 10% earn about $40,570 a year and the 25th percentile is $60,100, a fair guide to starting pay.
What is the loan officers take-home pay in San Jose?
About $80,224 a year ($6,685 a month) for a single filer on the average salary of $110,240. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do loan officers earn more in San Jose than elsewhere?
The average here is 26% 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 San Jose-Sunnyvale-Santa Clara, CA (41940). Relative standard error of the mean wage: 3.5%.
- 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 0.57, this job is less common than in the U.S. overall (location quotient 0.57).
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