Loan Officer salary in Santa Maria-Santa Barbara, CA
Loan Officers in the Santa Maria-Santa Barbara, CA metro area earn a median of $86,200 a year ($41.44 an hour), based on BLS data for 180 workers.
Pay ranges from $44,440 for the lowest-paid 10% to $186,220 for the top 10%. That is 12% higher than the national median of $76,690. Pay here is 5% higher than the California statewide median of $81,770. There are 0.89 loan officers per 1,000 jobs here — the job is less common than nationally (location quotient 0.50). The average (mean) salary is $112,610, above the median because a few high earners pull it up.
Pay range for loan officers in Santa Maria-Santa Barbara, CA
| Pay level | Yearly | Hourly |
|---|---|---|
| 10th percentile (entry level) | $44,440 | $21.37 |
| 25th percentile | $61,950 | $29.79 |
| Median | $86,200 | $41.44 |
| 75th percentile | $169,080 | $81.29 |
| 90th percentile (top earners) | $186,220 | $89.53 |
| Average (mean) | $112,610 | $54.14 |
Half of loan officers earn more than the median and half earn less. Percentiles show the spread: 10% earn less than the 10th percentile, and 10% earn more than the 90th.
Median paycheck, before taxes
| Pay period | Amount |
|---|---|
| Monthly | $7,183.33 |
| Semi-monthly (24 a year) | $3,591.67 |
| Biweekly (26 a year) | $3,315.38 |
| Weekly | $1,657.69 |
| Hourly | $41.44 |
Based on a full-time year of 2,080 hours. Convert any amount with the hourly to salary converter.
Buying a home? On a $86,200 salary, see how much house you can afford in California at today's mortgage rates, or work out a payment with the mortgage calculator.
Loan Officer salary in other metro areas nearby
| Metro area | Median salary | Workers |
|---|---|---|
| San Francisco-Oakland-Fremont, CA | $103,000 | 3,330 |
| Salinas, CA | $95,640 | 140 |
| San Jose-Sunnyvale-Santa Clara, CA | $95,090 | 1,140 |
| Vallejo, CA | $83,110 | 170 |
| San Luis Obispo-Paso Robles, CA | $82,470 | 100 |
| Modesto, CA | $82,250 | 190 |
| San Diego-Chula Vista-Carlsbad, CA | $81,770 | 2,360 |
| Santa Rosa-Petaluma, CA | $80,370 | 290 |
| Los Angeles-Long Beach-Anaheim, CA | $80,360 | 9,690 |
| Napa, CA | $80,070 | 60 |
| Stockton-Lodi, CA | $79,810 | 210 |
| Sacramento-Roseville-Folsom, CA | $79,190 | 1,580 |
| Merced, CA | $78,940 | 90 |
| Santa Cruz-Watsonville, CA | $78,940 | 70 |
| Riverside-San Bernardino-Ontario, CA | $78,710 | 1,500 |
| El Centro, CA | $78,350 | 60 |
| Fresno, CA | $78,060 | 470 |
| Yuba City, CA | $77,770 | 80 |
| Redding, CA | $76,790 | 80 |
| Bakersfield-Delano, CA | $76,500 | 290 |
| Visalia, CA | $75,770 | 140 |
| Chico, CA | $68,170 | 80 |
| Oxnard-Thousand Oaks-Ventura, CA | $64,470 | 1,010 |
Highest-paying states for loan officers
| State | Median salary |
|---|---|
| Massachusetts | $101,600 |
| Connecticut | $95,730 |
| New York | $95,710 |
| Minnesota | $95,170 |
| Colorado | $94,520 |
| Oregon | $94,440 |
| New Jersey | $92,920 |
| District of Columbia | $92,890 |
| Vermont | $88,710 |
| Kansas | $86,970 |
See Loan Officer pay in every state or the California statewide figures.
Related jobs in Santa Maria-Santa Barbara, CA
| Job | Median salary | Hourly |
|---|---|---|
| Accountants and Auditors | $91,610 | $44.04 |
| Financial and Investment Analysts | $97,720 | $46.98 |
| Personal Financial Advisor | $124,380 | $59.80 |
| Financial Specialists, All Other | $78,590 | $37.78 |
| Budget Analyst | $110,470 | $53.11 |
| Credit Counselor | $62,500 | $30.05 |
| Property Appraisers and Assessors | $95,730 | $46.02 |
| Business Operations Specialists, All Other | $89,340 | $42.95 |
| Project Management Specialist | $106,250 | $51.08 |
| Market Research Analysts and Marketing Specialists | $79,710 | $38.32 |
| Human Resources Specialist | $80,340 | $38.63 |
| Management Analyst | $99,990 | $48.07 |
| Buyers and Purchasing Agents | $82,040 | $39.44 |
| Training and Development Specialists | $75,890 | $36.48 |
More: Business and Financial Operations Occupations · all salaries in Santa Maria-Santa Barbara, CA
Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025 estimates, occupation code 13-2072. Wages include base pay, tips, commissions and shift pay, but not overtime, bonuses or benefits, and exclude the self-employed.
Frequently asked questions
How much does a loan officer make in Santa Maria-Santa Barbara, CA?
The median salary for loan officers in the Santa Maria-Santa Barbara, CA metro area is $86,200 a year, or $41.44 an hour. Pay ranges from $44,440 for the lowest-paid 10% to $186,220 for the top 10%.
How much do the highest-paid loan officers make in Santa Maria-Santa Barbara, CA?
The top 10% of loan officers in the Santa Maria-Santa Barbara, CA metro area earn at least $186,220 a year. The top 25% earn $169,080 or more.
What is the starting pay for loan officers in Santa Maria-Santa Barbara, CA?
Entry-level pay (the 10th percentile) is about $44,440 a year, and a quarter of loan officers earn $61,950 or less.
How many loan officers work in Santa Maria-Santa Barbara, CA?
About 180 loan officers are employed in the Santa Maria-Santa Barbara, CA metro area, not counting the self-employed.