Loan Officer Salary in Denver, CO
Loan Officers in the Denver-Aurora-Centennial, CO metro area earn a median $100,130 a year — 31% more than the national median. After 2026 taxes, that is $75,574 take-home, or $6,298 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Denver, CO. Enter your own offer to see your paycheck.
- Federal income tax$13,199
- Social Security (6.2%)$6,208
- Medicare (1.45%)$1,452
- Colorado income tax$3,697
- Take-home pay$75,574
Marginal rate: 22% federal + 4.40% state
Loan Officer pay by experience in Denver, CO
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $39,430 | $18.96 | $32,835 | $2,736 |
| 25th percentile | $62,300 | $29.95 | $50,205 | $4,184 |
| Median (50th) | $100,130 | $48.14 | $75,574 | $6,298 |
| 75th percentile | $128,110 | $61.59 | $93,901 | $7,825 |
| 90th percentile (top earners) | $167,560 | $80.56 | $119,129 | $9,927 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Colorado resident, 2026 tax rules.
What $100,130 buys in Denver, CO
Prices in Denver, CO are 5.8% higher than the U.S. average (housing costs are 1.47× the national average). Adjusted for local prices, a median loan officer's $75,574 take-home pay has the buying power of $71,443 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Loan Officer jobs are less concentrated in Denver, CO than nationally (location quotient 0.69), so openings may be scarcer.
Best-paying cities for loan officers, adjusted for cost of living
Denver, CO ranks #6 of 86 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Des Moines, IA | $101,190 | $76,824 | $83,776 |
| 2 | Wichita, KS | $99,170 | $73,862 | $83,042 |
| 3 | Sioux Falls, SD | $81,380 | $66,081 | $72,912 |
| 4 | Bridgeport, CT | $103,850 | $77,752 | $72,758 |
| 5 | Minneapolis, MN | $102,200 | $75,301 | $71,837 |
| 6 | Denver, CO | $100,130 | $75,574 | $71,443 |
| 7 | Fayetteville, AR | $84,200 | $64,994 | $71,146 |
| 8 | Columbia, MO | $81,850 | $63,502 | $71,001 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 86 metros →
Frequently asked questions
How much does a loan officer make in Denver, CO?
The median loan officer salary in the Denver-Aurora-Centennial, CO metro area is $100,130 a year, or about $48.14 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $62,300 and $128,110.
What is a loan officer’s take-home pay in Denver, CO?
On the median $100,130 salary, a single filer living in Colorado takes home about $75,574 a year ($6,298 a month) after federal tax, Social Security, Medicare and $3,697 in Colorado taxes in 2026.
Is Denver, CO a good place to work as a loan officer?
Pay here is 31% above the national median of $76,690. Local prices are 5.8% above the U.S. average, so the take-home pay buys what $71,443 would in a typical U.S. city. Denver, CO ranks #6 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Denver, CO?
HUD’s fair market rent for a one-bedroom in Denver, CO is $1,754 a month ($2,089 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 Denver, CO
- Financial Risk Specialist — $118,620
- Project Management Specialist — $116,740
- Financial and Investment Analyst — $104,480
- Management Analyst — $102,620
- Insurance Underwriter — $101,840
- Financial Examiner — $101,070
- Budget Analyst — $100,720
- Accountant and Auditor — $100,020
- Market Research Analyst and Marketing Specialist — $99,040
- Personal Financial Advisor — $98,740
- Logistician — $97,290
- Business Operations Specialists, All Other — $94,990