Loan Officer Salary in Charlotte, NC
Loan Officers in the Charlotte-Concord-Gastonia, NC-SC metro area earn a median $78,200 a year — 2% more than the national median. After 2026 taxes, that is $61,232 take-home, or $5,103 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Charlotte, NC. Enter your own offer to see your paycheck.
- Federal income tax$8,374
- Social Security (6.2%)$4,848
- Medicare (1.45%)$1,134
- North Carolina income tax$2,611
- Take-home pay$61,232
Marginal rate: 22% federal + 3.99% state
The Charlotte-Concord-Gastonia, NC-SC metro spans North Carolina, South Carolina. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Loan Officer pay by experience in Charlotte, NC
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $39,350 | $18.92 | $32,736 | $2,728 |
| 25th percentile | $58,230 | $28.00 | $47,153 | $3,929 |
| Median (50th) | $78,200 | $37.60 | $61,232 | $5,103 |
| 75th percentile | $104,910 | $50.44 | $78,957 | $6,580 |
| 90th percentile (top earners) | $137,900 | $66.30 | $100,527 | $8,377 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, North Carolina resident, 2026 tax rules.
What $78,200 buys in Charlotte, NC
Prices in Charlotte, NC are 2.7% lower than the U.S. average (housing costs are 2% below the national average). Adjusted for local prices, a median loan officer's $61,232 take-home pay has the buying power of $62,900 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Charlotte, NC has 1.7× the national concentration of loan officer jobs — a strong local market for this occupation.
Best-paying cities for loan officers, adjusted for cost of living
Charlotte, NC ranks #8 of 21 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Minneapolis, MN | $102,200 | $75,301 | $71,837 |
| 2 | Boston, MA | $103,400 | $76,622 | $70,772 |
| 3 | Columbus, OH | $82,160 | $65,153 | $68,245 |
| 4 | New York, NY | $101,570 | $75,332 | $66,924 |
| 5 | Washington, DC | $97,800 | $72,288 | $66,390 |
| 6 | Portland, OR | $96,100 | $68,857 | $65,316 |
| 7 | San Francisco, CA | $103,000 | $74,602 | $64,527 |
| 8 | Charlotte, NC | $78,200 | $61,232 | $62,900 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 21 metros →
About the job: loan officers
Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods.
- Typical education
- Bachelor's degree
- Work experience
- Less than 5 years
- On-the-job training
- Moderate-term on-the-job training
- Job outlook, 2025–35
- +1.1% (slower than average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Frequently asked questions
How much does a loan officer make in Charlotte, NC?
The median loan officer salary in the Charlotte-Concord-Gastonia, NC-SC metro area is $78,200 a year, or about $37.60 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $58,230 and $104,910.
What is a loan officer’s take-home pay in Charlotte, NC?
On the median $78,200 salary, a single filer living in North Carolina takes home about $61,232 a year ($5,103 a month) after federal tax, Social Security, Medicare and $2,611 in North Carolina taxes in 2026.
Is Charlotte, NC a good place to work as a loan officer?
Pay here is 2% above the national median of $76,690. Local prices are 2.7% below the U.S. average, so the take-home pay buys what $62,900 would in a typical U.S. city. Charlotte, NC ranks #8 of 21 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Charlotte, NC?
HUD’s fair market rent for a one-bedroom in Charlotte, NC is $1,428 a month ($1,577 for two bedrooms) — 28% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Charlotte, NC
- Financial and Investment Analyst — $106,510
- Project Management Specialist — $105,200
- Management Analyst — $102,920
- Personal Financial Advisor — $99,440
- Accountant and Auditor — $92,910
- Compliance Officer — $86,720
- Market Research Analyst and Marketing Specialist — $82,930
- Business Operations Specialists, All Other — $82,020
- Claims Adjusters, Examiners, and Investigators — $78,680
- Human Resources Specialist — $78,330
- Cost Estimator — $77,990
- Buyer and Purchasing Agent — $77,890