Business & Finance Pearl City, HI Pop. 47,698

Loan Officer Salary in Pearl City, Hawaii

The median loan officer salary in Pearl City, HI is $110,443 per year, which is 68.0% above the national median and 1.2% below the Hawaii state average.

City Median
$110,443
vs State Avg
$-1,315
vs National
+$44,703
Cost of Living
168%

Loan Officer Pay in Pearl City: What to Expect (2026)

Pearl City offers a median loan officer salary of $110,443, which is $1,315 below the Hawaii state average of $111,758. Compared to the national median of $65,740, Pearl City pays above average for this role.

However, Pearl City's cost of living index is 168%, significantly above the national average. After adjusting for local costs, the $110,443 salary has an effective purchasing power of approximately $65,740. Housing, transportation, and food costs in Pearl City should be factored into any relocation or job-change decision.

The salary range for loan officers in Pearl City spans from $59,136 at the 10th percentile to $258,384 at the 90th percentile — a $199,248 spread. Entry-level professionals start around $63,840, while senior loan officers with 8+ years of experience can earn up to $218,400. Pearl City is a smaller market (pop. 47,698), which may mean fewer openings but also less competition for available positions.

Loan Officer Salary in Pearl City by Experience

In Pearl City, an entry-level loan officer earns around $63,840, while experienced professionals earn up to $218,400 per year. The local cost of living index is 168% of the national average.

Entry Level (0-2 yrs)
$63,840
+$25,840 vs national
Mid Level (3-7 yrs)
$110,880
+$44,880 vs national
Senior Level (8+ yrs)
$218,400
+$88,400 vs national

Salary Percentiles in Pearl City, HI

Percentile Pearl City
10th Percentile $59,136
25th Percentile $76,272
Median (50th) $110,443
75th Percentile $168,000
90th Percentile $258,384

Loan Officer Salary in Other Hawaii Cities

Honolulu, HI
$115,045
Pop. 350,964
Kailua, HI
$111,758
Pop. 38,635
Waipahu, HI
$106,499
Pop. 38,216
Hilo, HI
$99,925
Pop. 45,703

How to Become a Loan Officer in Pearl City

Education

Most loan officer positions require a bachelor's degree. Pearl City 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 Pearl City may vary based on local industry and population growth.

Find Loan Officer Jobs in Pearl City

Browse open loan officer positions in Pearl City, HI:

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Frequently Asked Questions: Loan Officer Salary in Pearl City

How much does a Loan Officer make in Pearl City, HI? ▼
The median loan officer salary in Pearl City, Hawaii is $110,443 per year, which is 68.0% above the national median of $65,740. Salaries range from $59,136 (10th percentile) to $258,384 (90th percentile).
How much does a Loan Officer make per hour in Pearl City? ▼
Based on the median annual salary of $110,443, a loan officer in Pearl City earns approximately $53 per hour assuming a standard 2,080-hour work year.
How does Pearl City compare to the Hawaii state average for loan officer pay? ▼
Pearl City's median loan officer salary of $110,443 is 1.2% below the Hawaii state average of $111,758. The local cost of living index is 168% of the national average.
What is the cost of living in Pearl City, HI? ▼
Pearl City has a cost of living index of 168% compared to the national average. This means a loan officer salary of $110,443 in Pearl City has less purchasing power than the same salary in an average-cost city.
What qualifications do I need to become a loan officer in Pearl City? ▼
Most loan officer positions in Pearl City 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.