Loan Officer Salary in North Carolina
The median loan officer salary in North Carolina is $62,453 per year, which is 5% below the national median of $65,740.
Loan Officer Salary Overview in North Carolina (2026)
North Carolina ranks #27 out of 50 states for loan officer compensation. Loan Officer salaries in North Carolina are below the national median, though the lower cost of living can offset the difference. At $62,453 per year, loan officers in North Carolina earn $3,287 less than the national median of $65,740.
A key advantage of working in North Carolina is its below-average cost of living (92% of the national index). This means the $62,453 salary has the purchasing power of roughly $67,884 in an average-cost area.
The salary spread in North Carolina is significant: loan officers at the 10th percentile earn $33,440, while those at the 90th percentile bring home $146,110 — a $112,670 gap that reflects differences in experience, specialization, employer type, and metro area. The highest-paying city in North Carolina for this role is Charlotte, where the median reaches $66,397.
Nationally, loan officer employment is projected to grow 3% over the next decade (as fast as average). This steady growth indicates stable demand for loan officers across the country.
Loan Officer Salary in North Carolina by Experience
In North Carolina, an entry-level loan officer earns around $36,100, while experienced professionals earn up to $123,500 per year. The cost of living index in North Carolina is 92% of the national average.
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| Percentile | NC Salary |
|---|---|
| 10th Percentile | $33,440 |
| 25th Percentile | $43,130 |
| Median (50th) | $62,453 |
| 75th Percentile | $95,000 |
| 90th Percentile | $146,110 |
Loan Officer Salary by City in North Carolina
The largest employment areas for loan officers in North Carolina include Charlotte, Raleigh, Durham, and Greensboro. Salaries vary by city based on local cost of living and demand.
How to Become a Loan Officer in North Carolina
Education
Most loan officer positions require a bachelor's degree. North Carolina has several accredited institutions offering relevant programs.
Key Skills
Job Outlook in North Carolina
Nationally, loan officer employment is projected to grow 3% over the next decade (as fast as average). North Carolina's demand may vary based on local industry trends.
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Data shows Loan Officers who negotiate earn 7–15% more. A single negotiation could add $61,047 over your career trajectory.
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