Loan Officer Salary in San Francisco, CA
Loan Officers in the San Francisco-Oakland-Fremont, CA metro area earn a median $103,000 a year — 34% more than the national median. After 2026 taxes, that is $74,602 take-home, or $6,217 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in San Francisco, CA. Enter your own offer to see your paycheck.
- Federal income tax$13,830
- Social Security (6.2%)$6,386
- Medicare (1.45%)$1,494
- California income tax$5,349
- CA State Disability Insurance (SDI)$1,339
- Take-home pay$74,602
Marginal rate: 22% federal + 9.30% state
Got an offer somewhere else? Compare it with this one after taxes and rent →
Loan Officer pay by experience in San Francisco, CA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $44,440 | $21.37 | $36,543 | $3,045 |
| 25th percentile | $71,870 | $34.55 | $55,919 | $4,660 |
| Median (50th) | $103,000 | $49.52 | $74,602 | $6,217 |
| 75th percentile | $153,150 | $73.63 | $103,940 | $8,662 |
| 90th percentile (top earners) | $201,080 | $96.67 | $132,638 | $11,053 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, California resident, 2026 tax rules.
What $103,000 buys in San Francisco, CA
Prices in San Francisco, CA are 15.6% higher than the U.S. average (housing costs are 1.95× the national average). Adjusted for local prices, a median loan officer's $74,602 take-home pay has the buying power of $64,527 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 San Francisco, CA than nationally (location quotient 0.80), so openings may be scarcer.
Best-paying cities for loan officers, adjusted for cost of living
San Francisco, CA ranks #7 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.
Loan Officer salaries elsewhere in California
- San Diego, CA — $81,770
- Los Angeles, CA — $80,360
Frequently asked questions
How much does a loan officer make in San Francisco, CA?
The median loan officer salary in the San Francisco-Oakland-Fremont, CA metro area is $103,000 a year, or about $49.52 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $71,870 and $153,150.
What is a loan officer’s take-home pay in San Francisco, CA?
On the median $103,000 salary, a single filer living in California takes home about $74,602 a year ($6,217 a month) after federal tax, Social Security, Medicare and $6,688 in California taxes in 2026.
Is San Francisco, CA a good place to work as a loan officer?
Pay here is 34% above the national median of $76,690. Local prices are 15.6% above the U.S. average, so the take-home pay buys what $64,527 would in a typical U.S. city. San Francisco, CA ranks #7 of 21 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in San Francisco, CA?
HUD’s fair market rent for a one-bedroom in San Francisco, CA is $2,620 a month ($3,187 for two bedrooms) — 42% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in San Francisco, CA
- Personal Financial Advisor — $160,610
- Project Management Specialist — $135,040
- Financial and Investment Analyst — $130,520
- Management Analyst — $126,730
- Market Research Analyst and Marketing Specialist — $123,250
- Compliance Officer — $118,890
- Accountant and Auditor — $110,730
- Claims Adjusters, Examiners, and Investigators — $105,340
- Business Operations Specialists, All Other — $104,500
- Human Resources Specialist — $103,140
- Compensation, Benefits, and Job Analysis Specialists — $102,780
- Cost Estimator — $101,630