Loan Officers pay range in Napa
New workers and the lowest-paid 10% earn about $44,900 a year or less, while the top 10% make $197,990 or more. The middle half of loan officers in Napa earn between $64,190 and $136,180.
- $45K10th
- $64K25th
- $80KMedian
- $136K75th
- $198K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $108,320 | $9,027 | $52.08 |
| Median | $80,070 | $6,672 | $38.50 |
| Entry level (25th percentile) | $64,190 | $5,349 | $30.86 |
| Experienced (75th percentile) | $136,180 | $11,348 | $65.47 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Napa vs. California and the U.S.
Loan officers in Napa earn 12% more than the California average ($97,120) and 23% more than the U.S. average ($87,790). At the median the gap is +4% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Napa | $108,320 | $80,070 | $44,900 | $197,990 | 60 |
| California | $97,120 | $81,770 | $37,460 | $169,040 | 25,790 |
| United States | $87,790 | $76,690 | $39,430 | $153,180 | 274,330 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Loan Officers salary after taxes in Napa
On the average salary of $108,320, a single filer in Napa takes home about $79,051 a year, or $6,588 a month and $3,040 every two weeks. Taxes take 27% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Is Napa a good place for loan officers? Pay vs. cost of living
Prices in the Napa area are 13% above the U.S. average (BEA price parity 112.6), so the average $108,320 buys what about $96,238 would buy in a typical U.S. metro. This job pays 1.5 times the median wage of all jobs in Napa ($55,210). A typical home costs $890,662, or 8.2 years of this average salary before tax.
Loan Officers salary in other California cities
Napa ranks 4th of 24 California metro areas for this job; San Francisco pays the most ($116,480).
- San Francisco$116,480
- Santa Maria$112,610
- San Jose$110,240
- Napa$108,320
- Modesto$106,380
- Salinas$103,980
- Vallejo$103,580
- Stockton$103,440
- San Luis Obispo$101,810
- Redding$97,870
Highest-paying cities for loan officers
Elmira, NY pays this job the most of the metro areas we cover ($129,370).
- Elmira, NY$129,370
- New York, NY$121,180
- Boston, MA$120,300
- San Francisco, CA$116,480
- Norwich, CT$116,460
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Loan Officers salary in Napa: questions
How much do loan officers make an hour in Napa?
$52.08 an hour on average, and $38.50 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Napa?
The lowest-paid 10% earn about $44,900 a year and the 25th percentile is $64,190, a fair guide to starting pay.
What is the loan officers take-home pay in Napa?
About $79,051 a year ($6,588 a month) for a single filer on the average salary of $108,320. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do loan officers earn more in Napa than elsewhere?
The average here is 23% more than the U.S. average for this job ($87,790).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2072; area Napa, CA (34900). Relative standard error of the mean wage: 7.7%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
- Job concentration: location quotient 0.43, this job is less common than in the U.S. overall (location quotient 0.43).
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