Business & Finance Waipahu, HI Pop. 38,216

Loan Officer Salary in Waipahu, Hawaii

The median loan officer salary in Waipahu, HI is $106,499 per year, which is 62.0% above the national median and 4.7% below the Hawaii state average.

City Median
$106,499
vs State Avg
$-5,259
vs National
+$40,759
Cost of Living
162%

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

Waipahu offers a median loan officer salary of $106,499, which is $5,259 below the Hawaii state average of $111,758. Compared to the national median of $65,740, Waipahu pays above average for this role.

However, Waipahu's cost of living index is 162%, significantly above the national average. After adjusting for local costs, the $106,499 salary has an effective purchasing power of approximately $65,740. Housing, transportation, and food costs in Waipahu should be factored into any relocation or job-change decision.

The salary range for loan officers in Waipahu spans from $57,024 at the 10th percentile to $249,156 at the 90th percentile — a $192,132 spread. Entry-level professionals start around $61,560, while senior loan officers with 8+ years of experience can earn up to $210,600. Waipahu is a smaller market (pop. 38,216), which may mean fewer openings but also less competition for available positions.

Loan Officer Salary in Waipahu by Experience

In Waipahu, an entry-level loan officer earns around $61,560, while experienced professionals earn up to $210,600 per year. The local cost of living index is 162% of the national average.

Entry Level (0-2 yrs)
$61,560
+$23,560 vs national
Mid Level (3-7 yrs)
$106,920
+$40,920 vs national
Senior Level (8+ yrs)
$210,600
+$80,600 vs national

Salary Percentiles in Waipahu, HI

Percentile Waipahu
10th Percentile $57,024
25th Percentile $73,548
Median (50th) $106,499
75th Percentile $162,000
90th Percentile $249,156

Loan Officer Salary in Other Hawaii Cities

Honolulu, HI
$115,045
Pop. 350,964
Kailua, HI
$111,758
Pop. 38,635
Pearl City, HI
$110,443
Pop. 47,698
Hilo, HI
$99,925
Pop. 45,703

How to Become a Loan Officer in Waipahu

Education

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

Find Loan Officer Jobs in Waipahu

Browse open loan officer positions in Waipahu, HI:

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Frequently Asked Questions: Loan Officer Salary in Waipahu

How much does a Loan Officer make in Waipahu, HI? ▼
The median loan officer salary in Waipahu, Hawaii is $106,499 per year, which is 62.0% above the national median of $65,740. Salaries range from $57,024 (10th percentile) to $249,156 (90th percentile).
How much does a Loan Officer make per hour in Waipahu? ▼
Based on the median annual salary of $106,499, a loan officer in Waipahu earns approximately $51 per hour assuming a standard 2,080-hour work year.
How does Waipahu compare to the Hawaii state average for loan officer pay? ▼
Waipahu's median loan officer salary of $106,499 is 4.7% below the Hawaii state average of $111,758. The local cost of living index is 162% of the national average.
What is the cost of living in Waipahu, HI? ▼
Waipahu has a cost of living index of 162% compared to the national average. This means a loan officer salary of $106,499 in Waipahu has less purchasing power than the same salary in an average-cost city.
What qualifications do I need to become a loan officer in Waipahu? ▼
Most loan officer positions in Waipahu 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.