Loan Officer Salary in Springfield, MO
Loan Officers in the Springfield, MO metro area earn a median $76,040 a year — 1% less than the national median. After 2026 taxes, that is $59,688 take-home, or $4,974 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Springfield, MO. Enter your own offer to see your paycheck.
- Federal income tax$7,899
- Social Security (6.2%)$4,714
- Medicare (1.45%)$1,103
- Missouri income tax$2,637
- Take-home pay$59,688
Marginal rate: 22% federal + 4.70% state
Loan Officer pay by experience in Springfield, MO
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $45,540 | $21.89 | $37,568 | $3,131 |
| 25th percentile | $58,160 | $27.96 | $47,115 | $3,926 |
| Median (50th) | $76,040 | $36.56 | $59,688 | $4,974 |
| 75th percentile | $100,700 | $48.41 | $75,877 | $6,323 |
| 90th percentile (top earners) | $131,380 | $63.16 | $95,827 | $7,986 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Missouri resident, 2026 tax rules.
What $76,040 buys in Springfield, MO
Prices in Springfield, MO are 11.4% lower than the U.S. average (housing costs are 34% below the national average). Adjusted for local prices, a median loan officer's $59,688 take-home pay has the buying power of $67,379 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Springfield, MO has 1.2× 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
Springfield, MO ranks #14 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 |
| 14 | Springfield, MO | $76,040 | $59,688 | $67,379 |
*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 Missouri
- Columbia, MO — $81,850
- Kansas City, MO — $82,330
- St. Louis, MO — $74,510
Frequently asked questions
How much does a loan officer make in Springfield, MO?
The median loan officer salary in the Springfield, MO metro area is $76,040 a year, or about $36.56 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $58,160 and $100,700.
What is a loan officer’s take-home pay in Springfield, MO?
On the median $76,040 salary, a single filer living in Missouri takes home about $59,688 a year ($4,974 a month) after federal tax, Social Security, Medicare and $2,637 in Missouri taxes in 2026.
Is Springfield, MO a good place to work as a loan officer?
Pay here is 1% below the national median of $76,690. Local prices are 11.4% below the U.S. average, so the take-home pay buys what $67,379 would in a typical U.S. city. Springfield, MO ranks #14 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Springfield, MO?
HUD’s fair market rent for a one-bedroom in Springfield, MO is $868 a month ($1,074 for two bedrooms) — 17% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Springfield, MO
- Project Management Specialist — $78,060
- Accountant and Auditor — $73,020
- Business Operations Specialists, All Other — $72,700
- Cost Estimator — $64,160
- Human Resources Specialist — $63,140
- Buyer and Purchasing Agent — $62,270
- Market Research Analyst and Marketing Specialist — $57,280
- Training and Development Specialist — $49,550