Loan Officer Salary in Texas
The median loan officer salary in Texas is $60,481 per year, which is 8% below the national median of $65,740.
Loan Officer Salary Overview in Texas (2026)
Texas ranks #31 out of 50 states for loan officer compensation. Loan Officer salaries in Texas are below the national median, though the lower cost of living can offset the difference. At $60,481 per year, loan officers in Texas earn $5,259 less than the national median of $65,740.
A key advantage of working in Texas is its below-average cost of living (92% of the national index). This means the $60,481 salary has the purchasing power of roughly $65,740 in an average-cost area.
The salary spread in Texas is significant: loan officers at the 10th percentile earn $32,384, while those at the 90th percentile bring home $141,496 — a $109,112 gap that reflects differences in experience, specialization, employer type, and metro area. The highest-paying city in Texas for this role is Austin, where the median reaches $69,027.
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 Texas by Experience
In Texas, an entry-level loan officer earns around $34,960, while experienced professionals earn up to $119,600 per year. The cost of living index in Texas is 92% of the national average.
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See Investment Options →Salary Percentiles in Texas
| Percentile | TX Salary |
|---|---|
| 10th Percentile | $32,384 |
| 25th Percentile | $41,768 |
| Median (50th) | $60,481 |
| 75th Percentile | $92,000 |
| 90th Percentile | $141,496 |
Loan Officer Salary by City in Texas
The largest employment areas for loan officers in Texas include Houston, Dallas, Austin, and San Antonio. Salaries vary by city based on local cost of living and demand.
How to Become a Loan Officer in Texas
Education
Most loan officer positions require a bachelor's degree. Texas has several accredited institutions offering relevant programs.
Key Skills
Job Outlook in Texas
Nationally, loan officer employment is projected to grow 3% over the next decade (as fast as average). Texas'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 $59,119 over your career trajectory.
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