LocalSalaryHub Salary Report
Loan Officers in Modesto, CA · Generated August 13, 2026
Loan Officers Salary in Modesto, CA $82,250/yr
$82,250
Mean: $106,380
~$64,155 est. take-home
$39.55
Based on 2,080 hrs/yr
100
100 = national avg
Very affordable
Affordability score: 100/100
$2,826/mo
53%
Salary Distribution
Where the median falls between the 25th and 75th percentile.
25th %
$58,590
Median
$82,250
75th %
$125,010
Median is in the 36th percentile of the typical range
Loan Officers in other CA cities
Compare the same occupation across cities in CA.
About Loan Officers salaries in Modesto, CA
Loan Officers in Modesto, CA earn a median of $82,250 per year, based on BLS Occupational Employment and Wage Statistics data. The mean salary is $106,380, which tends to skew higher because a small number of high earners pull the average up.
Most loan officers in this area earn between $58,590 and $125,010. Where you land depends on experience, employer type, and whether you have in-demand specializations.
That works out to roughly $39.55 per hour assuming a standard 2,080-hour work year. Actual hourly pay may differ for part-time or contract roles.
Career Outlook
4% growth. Mortgage volume swings with interest rates, but commercial lending, SBA loans, and fintech platforms create steadier demand. When rates drop, refinance booms create temporary spikes in hiring.
Worth knowing: Commercial loan officers consistently out-earn consumer loan officers. The commission structure matters more than the base salary — top producers at commercial banks can double their base through origination fees.
Loan Officers Jobs in Modesto, CA
Median: $82,250/yr — browse openings that fit.
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Frequently Asked Questions
What is the average salary for a loan officers in Modesto?▾
The median — where half earn more and half earn less — is $82,250. The average (mean) is $106,380, which is higher because top earners pull it up.
How much does a loan officers make per hour in Modesto?▾
About $39.55/hour, based on a standard 2,080-hour work year. Part-time or overtime hours will change the actual rate.
What is the salary range for loan officers in Modesto?▾
The middle 50% earn between $58,590 and $125,010. Below $58,590 is typically entry-level; above $125,010 usually means significant experience or specialized skills.
Salary Conversion Table
How does $82,250 per year break down across different time periods?
| Period | Gross | Est. Take-Home |
|---|---|---|
| Yearly | $82,250 | $64,155 |
| Monthly | $6,854 | $5,346 |
| Biweekly | $3,163 | $2,468 |
| Weekly | $1,582 | $1,234 |
| Hourly (40h/wk) | $39.55 | $30.84 |
| Hourly (35h/wk) | $45.19 | $35.25 |
| Hourly (30h/wk) | $52.72 | $41.13 |
| Daily (8h) | $316 | $247 |
Take-home estimates use an effective tax rate of 22%. Actual amounts vary by filing status, deductions, and state tax.
Loan Officers: Highest-Paying Cities in the U.S.
Top 10 cities nationwide for loan officers, based on BLS median salary data.
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See more salary data
More pages tied to this occupation and region.
- Loan Officers salaries nationwide — the national median and the highest-paying metros for loan officers across all states.
- All CA salary data — every occupation we cover in CA, ranked by median pay, plus the cities that pay the most.
- Loan Officers in Enid, OK — the top-paying city for loan officers in our dataset, in case you are weighing a move out of Modesto.
- Project Management Specialists salary overview — a closely related role (same SOC major group) with a national median of $93,644.