Loan Officers pay range in Lakeland
New workers and the lowest-paid 10% earn about $38,800 a year or less, while the top 10% make $137,290 or more. The middle half of loan officers in Lakeland earn between $51,160 and $105,430.
- $39K10th
- $51K25th
- $75KMedian
- $105K75th
- $137K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $84,180 | $7,015 | $40.47 |
| Median | $75,400 | $6,283 | $36.25 |
| Entry level (25th percentile) | $51,160 | $4,263 | $24.60 |
| Experienced (75th percentile) | $105,430 | $8,786 | $50.69 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Lakeland vs. Florida and the U.S.
Loan officers in Lakeland earn 4% more than the Florida average ($81,320) and 4% less than the U.S. average ($87,790). At the median the gap is -2% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Lakeland | $84,180 | $75,400 | $38,800 | $137,290 | 490 |
| Florida | $81,320 | $71,090 | $33,180 | $133,070 | 18,830 |
| 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 Lakeland
On the average salary of $84,180, a single filer in Lakeland takes home about $68,051 a year, or $5,671 a month and $2,617 every two weeks. Taxes take 19% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Lakeland a good place for loan officers? Pay vs. cost of living
Prices in the Lakeland area are 3% below the U.S. average (BEA price parity 97.1), so the average $84,180 buys what about $86,658 would buy in a typical U.S. metro. This job pays 1.6 times the median wage of all jobs in Lakeland ($46,140). A typical home costs $298,816, or 3.5 years of this average salary before tax.
Loan Officers salary in other Florida cities
Lakeland ranks 7th of 21 Florida metro areas for this job; Homosassa Springs pays the most ($100,650).
- Homosassa Springs$100,650
- Deltona$93,000
- Naples$90,810
- Punta Gorda$88,320
- Fort Myers$88,290
- Ocala$84,930
- Lakeland$84,180
- Port St. Lucie$84,040
- Miami$83,450
- Panama City$81,700
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 Lakeland: questions
How much do loan officers make an hour in Lakeland?
$40.47 an hour on average, and $36.25 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Lakeland?
The lowest-paid 10% earn about $38,800 a year and the 25th percentile is $51,160, a fair guide to starting pay.
What is the loan officers take-home pay in Lakeland?
About $68,051 a year ($5,671 a month) for a single filer on the average salary of $84,180. Florida has no state income tax.
Do loan officers earn more in Lakeland than elsewhere?
The average here is 4% less 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 Lakeland-Winter Haven, FL (29460). Relative standard error of the mean wage: 5.2%.
- 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 no state income tax.
- Job concentration: location quotient 1.04, this job is about as common as in the U.S. overall.
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