Loan Officers pay range in Charlotte
New workers and the lowest-paid 10% earn about $39,350 a year or less, while the top 10% make $137,900 or more. The middle half of loan officers in Charlotte earn between $58,230 and $104,910.
- $39K10th
- $58K25th
- $78KMedian
- $105K75th
- $138K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $89,980 | $7,498 | $43.26 |
| Median | $78,200 | $6,517 | $37.60 |
| Entry level (25th percentile) | $58,230 | $4,852 | $28.00 |
| Experienced (75th percentile) | $104,910 | $8,742 | $50.44 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Charlotte vs. North Carolina and the U.S.
Loan officers in Charlotte earn 7% more than the North Carolina average ($84,160) and about the same as 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 |
|---|---|---|---|---|---|
| Charlotte | $89,980 | $78,200 | $39,350 | $137,900 | 4,080 |
| North Carolina | $84,160 | $75,920 | $43,270 | $130,480 | 10,700 |
| 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 Charlotte
On the average salary of $89,980, a single filer in Charlotte takes home about $69,049 a year, or $5,754 a month and $2,656 every two weeks. Taxes take 23% of gross pay.
The Charlotte-Concord-Gastonia, NC-SC metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in NC | $69,049 | $5,754 |
| Working in SC | $68,480 | $5,707 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules).
Is Charlotte a good place for loan officers? Pay vs. cost of living
Prices in the Charlotte area are 3% below the U.S. average (BEA price parity 97.3), so the average $89,980 buys what about $92,431 would buy in a typical U.S. metro. This job pays 1.6 times the median wage of all jobs in Charlotte ($49,990). A typical home costs $390,321, or 4.3 years of this average salary before tax.
Loan Officers salary in other North Carolina cities
Charlotte ranks 2nd of 15 North Carolina metro areas for this job; Wilmington pays the most ($103,370).
- Wilmington$103,370
- Charlotte$89,980
- Raleigh$85,830
- Pinehurst$83,820
- Goldsboro$82,180
- Asheville$81,260
- Hickory$80,750
- Winston-Salem$80,040
- Fayetteville$76,640
- Durham$75,160
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 Charlotte: questions
How much do loan officers make an hour in Charlotte?
$43.26 an hour on average, and $37.59 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Charlotte?
The lowest-paid 10% earn about $39,350 a year and the 25th percentile is $58,230, a fair guide to starting pay.
What is the loan officers take-home pay in Charlotte?
About $69,049 a year ($5,754 a month) for a single filer on the average salary of $89,980.
Do loan officers earn more in Charlotte than elsewhere?
The average here is about the same as 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 Charlotte-Concord-Gastonia, NC-SC (16740). Relative standard error of the mean wage: 2.6%.
- 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).
- Job concentration: location quotient 1.70, this job is 1.7 times as concentrated as in the U.S. overall.
Read the full methodology. Spotted an error? Tell us.