Loan Officers pay range in Lexington
New workers and the lowest-paid 10% earn about $43,570 a year or less, while the top 10% make $134,220 or more. The middle half of loan officers in Lexington earn between $50,200 and $100,840.
- $44K10th
- $50K25th
- $64KMedian
- $101K75th
- $134K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $81,070 | $6,756 | $38.98 |
| Median | $63,760 | $5,313 | $30.65 |
| Entry level (25th percentile) | $50,200 | $4,183 | $24.13 |
| Experienced (75th percentile) | $100,840 | $8,403 | $48.48 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Lexington vs. Kentucky and the U.S.
Loan officers in Lexington earn 8% more than the Kentucky average ($74,870) and 8% less than the U.S. average ($87,790). At the median the gap is -17% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Lexington | $81,070 | $63,760 | $43,570 | $134,220 | 420 |
| Kentucky | $74,870 | $62,090 | $41,620 | $124,520 | 3,940 |
| 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 Lexington
On the average salary of $81,070, a single filer in Lexington takes home about $60,913 a year, or $5,076 a month and $2,343 every two weeks. Taxes take 25% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Includes Lexington's local income tax (2.75%).
Is Lexington a good place for loan officers? Pay vs. cost of living
Prices in the Lexington area are 7% below the U.S. average (BEA price parity 92.9), so the average $81,070 buys what about $87,276 would buy in a typical U.S. metro. This job pays 1.3 times the median wage of all jobs in Lexington ($48,620). A typical home costs $327,671, or 4.0 years of this average salary before tax.
Loan Officers salary in other Kentucky cities
Lexington ranks 1st of 6 Kentucky metro areas for this job, the best-paid in the state.
- Lexington$81,070
- Bowling Green$79,080
- Louisville$77,620
- Paducah$75,490
- Elizabethtown$74,370
- Owensboro$65,470
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 Lexington: questions
How much do loan officers make an hour in Lexington?
$38.98 an hour on average, and $30.66 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Lexington?
The lowest-paid 10% earn about $43,570 a year and the 25th percentile is $50,200, a fair guide to starting pay.
What is the loan officers take-home pay in Lexington?
About $60,913 a year ($5,076 a month) for a single filer on the average salary of $81,070. Includes Lexington's local income tax (2.75%).
Do loan officers earn more in Lexington than elsewhere?
The average here is 8% less 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 Lexington-Fayette, KY (30460). Relative standard error of the mean wage: 2.9%.
- 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 (2026 rules). Includes Lexington's local income tax (2.75%).
- Job concentration: location quotient 0.84, this job is about as common as in the U.S. overall.
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