Loan Officer Salary in Riverside, CA
Loan Officers in the Riverside-San Bernardino-Ontario, CA metro area earn a median $78,710 a year — 3% more than the national median. After 2026 taxes, that is $60,089 take-home, or $5,007 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Riverside, CA. Enter your own offer to see your paycheck.
- Federal income tax$8,486
- Social Security (6.2%)$4,880
- Medicare (1.45%)$1,141
- California income tax$3,090
- CA State Disability Insurance (SDI)$1,023
- Take-home pay$60,089
Marginal rate: 22% federal + 9.30% state
Loan Officer pay by experience in Riverside, CA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $34,490 | $16.58 | $29,075 | $2,423 |
| 25th percentile | $47,310 | $22.75 | $38,690 | $3,224 |
| Median (50th) | $78,710 | $37.84 | $60,089 | $5,007 |
| 75th percentile | $123,260 | $59.26 | $86,678 | $7,223 |
| 90th percentile (top earners) | $181,860 | $87.43 | $120,520 | $10,043 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, California resident, 2026 tax rules.
What $78,710 buys in Riverside, CA
Prices in Riverside, CA are 6.4% higher than the U.S. average (housing costs are 1.29× the national average). Adjusted for local prices, a median loan officer's $60,089 take-home pay has the buying power of $56,452 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 Riverside, CA than nationally (location quotient 0.50), so openings may be scarcer.
Best-paying cities for loan officers, adjusted for cost of living
Riverside, CA ranks #55 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 |
| 55 | Riverside, CA | $78,710 | $60,089 | $56,452 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 86 metros →
Loan Officer salaries elsewhere in California
- San Francisco, CA — $103,000
- San Jose, CA — $95,090
- Fresno, CA — $78,060
- Sacramento, CA — $79,190
- San Diego, CA — $81,770
- Los Angeles, CA — $80,360
- Oxnard, CA — $64,470
Frequently asked questions
How much does a loan officer make in Riverside, CA?
The median loan officer salary in the Riverside-San Bernardino-Ontario, CA metro area is $78,710 a year, or about $37.84 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $47,310 and $123,260.
What is a loan officer’s take-home pay in Riverside, CA?
On the median $78,710 salary, a single filer living in California takes home about $60,089 a year ($5,007 a month) after federal tax, Social Security, Medicare and $4,114 in California taxes in 2026.
Is Riverside, CA a good place to work as a loan officer?
Pay here is 3% above the national median of $76,690. Local prices are 6.4% above the U.S. average, so the take-home pay buys what $56,452 would in a typical U.S. city. Riverside, CA ranks #55 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Riverside, CA?
HUD’s fair market rent for a one-bedroom in Riverside, CA is $1,777 a month ($2,201 for two bedrooms) — 35% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Riverside, CA
- Labor Relations Specialist — $102,230
- Financial and Investment Analyst — $101,150
- Project Management Specialist — $100,770
- Personal Financial Advisor — $96,100
- Claims Adjusters, Examiners, and Investigators — $91,940
- Management Analyst — $87,910
- Property Appraiser and Assessor — $86,260
- Accountant and Auditor — $83,920
- Compliance Officer — $79,920
- Compensation, Benefits, and Job Analysis Specialists — $78,920
- Logistician — $77,370
- Cost Estimator — $76,900