Loan Officer Salary in Honolulu, HI: $115,045 (2026)

Loan Officer Pay in Honolulu: What to Expect (2026)

Honolulu offers a median loan officer salary of $115,045, which is $3,287 above the Hawaii state average of $111,758. Compared to the national median of $65,740, Honolulu pays above average for this role.

However, Honolulu's cost of living index is 175%, significantly above the national average. After adjusting for local costs, the $115,045 salary has an effective purchasing power of approximately $65,740. Housing, transportation, and food costs in Honolulu should be factored into any relocation or job-change decision.

The salary range for loan officers in Honolulu spans from $61,600 at the 10th percentile to $269,150 at the 90th percentile — a $207,550 spread. Entry-level professionals start around $66,500, while senior loan officers with 8+ years of experience can earn up to $227,500. With a population of 350,964, Honolulu is a mid-sized metro with a growing job market.

Loan Officer Salary in Honolulu by Experience

In Honolulu, an entry-level loan officer earns around $66,500, while experienced professionals earn up to $227,500 per year. The local cost of living index is 175% of the national average.

Entry Level (0-2 yrs)

$66,500

+$28,500 vs national

Mid Level (3-7 yrs)

$115,500

+$49,500 vs national

Senior Level (8+ yrs)

$227,500

+$97,500 vs national

Percentile	Honolulu	HI State	National
10th Percentile	$61,600	$59,840	$35,200
25th Percentile	$79,450	$77,180	$45,400
Median (50th)	$115,045	$111,758	$65,740
75th Percentile	$175,000	$170,000	$100,000
90th Percentile	$269,150	$261,460	$153,800

Percentile

Honolulu

10th Percentile

$61,600

25th Percentile

$79,450

Median (50th)

$115,045

75th Percentile

$175,000

90th Percentile

$269,150

How to Become a Loan Officer in Honolulu

Education

Most loan officer positions require a bachelor's degree. Honolulu and the surrounding Hawaii area have institutions offering relevant programs.

Key Skills

Credit AnalysisMortgage LendingCustomer ServiceRegulatory ComplianceSalesFinancial Software

Job Outlook

Nationally, loan officer employment is projected to grow 3% over the next decade (as fast as average). Demand in Honolulu may vary based on local industry and population growth.

Frequently Asked Questions: Loan Officer Salary in Honolulu

How much does a Loan Officer make in Honolulu, HI? ▼

The median loan officer salary in Honolulu, Hawaii is $115,045 per year, which is 75.0% above the national median of $65,740. Salaries range from $61,600 (10th percentile) to $269,150 (90th percentile).

How much does a Loan Officer make per hour in Honolulu? ▼

Based on the median annual salary of $115,045, a loan officer in Honolulu earns approximately $55 per hour assuming a standard 2,080-hour work year.

How does Honolulu compare to the Hawaii state average for loan officer pay? ▼

Honolulu's median loan officer salary of $115,045 is 2.9% above the Hawaii state average of $111,758. The local cost of living index is 175% of the national average.

What is the cost of living in Honolulu, HI? ▼

Honolulu has a cost of living index of 175% compared to the national average. This means a loan officer salary of $115,045 in Honolulu has less purchasing power than the same salary in an average-cost city.

What qualifications do I need to become a loan officer in Honolulu? ▼

Most loan officer positions in Honolulu require a bachelor's degree. Key skills include Credit Analysis, Mortgage Lending, Customer Service, Regulatory Compliance. The job market is projected to grow 3% nationally over the next decade.

Loan Officer Salary in Honolulu, Hawaii