How much does a Mortgage Loan Officer II make in Houston, TX?
As of October 01, 2026, the average salary for a Mortgage Loan Officer II in Houston, TX is $65,136 per year, which breaks down to an hourly rate of $31.
However, a Mortgage Loan Officer II's salary can vary significantly. Here’s a look at the typical salary range:
Top Earners (90th percentile): $73,411
Majority Range (25th-75th percentile): $59,879 to $69,467
Key Factors That Influence Mortgage Loan Officer II Salaries
A Mortgage Loan Officer II's salary isn't a fixed number. It's shaped by several important factors.
Below, we'll explore how your years of experience, geographic location, skills and company size can directly affect your earning potential.
How Experience Level Affects Mortgage Loan Officer II Salaries?
Experience is a primary driver of a Mortgage Loan Officer II's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
Salaries can also vary between different cities.
Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay.
Here are a few examples of average annual salaries in different U.S. cities:
San Jose: $82,469
San Francisco: $81,566
Oakland: $79,847
San Jose, CA$82,469
San Francisco, CA$81,566
Oakland, CA$79,847
New York, NY$75,282
Paramus, NJ$74,367
Queens Village, NY$74,364
Passaic, NJ$74,302
Bergenfield, NJ$74,296
Stamford, CT$74,152
Huntington, NY$74,125
Newark, NJ$73,642
Bridgeport, CT$73,504
Vallejo, CA$73,374
New Brunswick, NJ$73,348
Petaluma, CA$73,309
Middlesex, NJ$73,184
Somerset, NJ$73,139
Santa Cruz, CA$73,054
Boston, MA$72,655
Monterey, CA$72,425
Seattle, WA$72,275
Santa Rosa, CA$72,262
Los Angeles, CA$72,243
Juneau, AK$72,073
Washington, DC$72,001
Orange, CA$71,768
Santa Ana, CA$71,595
Long Beach, CA$71,530
Anaheim, CA$71,517
Anchorage, AK$71,484
Santa Maria, CA$71,288
Everett, WA$71,275
Danbury, CT$71,045
Bremerton, WA$70,955
Tacoma, WA$70,719
New Suffolk, NY$70,718
Sacramento, CA$70,700
Santa Barbara, CA$70,628
Trenton, NJ$70,556
San Diego, CA$70,556
Brockton, MA$70,484
Fairbanks, AK$70,324
Lompoc, CA$70,157
Lowell, MA$70,104
Ventura, CA$70,092
Nashua, NH$70,079
Stockton, CA$70,072
Modesto, CA$69,595
Poughkeepsie, NY$69,451
Olympia, WA$69,327
Kennewick, WA$69,327
New Haven, CT$69,301
Lawrence, MA$69,065
Hartford, CT$69,000
Riverside, CA$68,987
New Bedford, MA$68,921
Richland, WA$68,921
Bakersfield, CA$68,830
San Bernardino, CA$68,804
New Britain, CT$68,797
Atlantic City, NJ$68,797
New London, CT$68,771
Norwich, CT$68,751
Portsmouth, NH$68,738
Boulder, CO$68,600
Portland, OR$68,509
Worcester, MA$68,503
Minneapolis, MN$68,300
Philadelphia, PA$68,209
Honolulu, HI$67,993
Saint Paul, MN$67,961
Vineland, NJ$67,947
Providence, RI$67,757
Chicago, IL$67,568
Bellingham, WA$67,489
Springfield, MA$67,437
Baltimore, MD$67,417
Chico, CA$67,254
Pittsfield, MA$67,077
Manchester, NH$66,953
Spokane, WA$66,666
Denver, CO$66,659
Albany, NY$66,352
Troy, NY$66,326
Nassau, NY$66,256
Schenectady, NY$66,188
Wilmington, DE$66,136
Burlington, VT$66,044
Salem, OR$66,018
Portland, ME$65,816
Yakima, WA$65,750
Rochester, MN$65,547
Reno, NV$65,515
Fresno, CA$65,515
Milwaukee, WI$65,456
Detroit, MI$65,391
Ann Arbor, MI$65,379
Allentown, PA$65,371
Colorado Springs, CO$65,260
Syracuse, NY$65,227
Carson City, NV$65,227
Houston, TX$65,136
Eugene, OR$65,103
Gary, IN$65,024
Springfield, OR$64,972
Bismarck, ND$64,959
Galveston, TX$64,913
Medford, OR$64,815
Fort Collins, CO$64,789
Concord, NH$64,756
Austin, TX$64,737
Mesa, AZ$64,599
Reading, PA$64,593
Phoenix, AZ$64,586
Dallas, TX$64,567
Saint Cloud, MN$64,504
Madison, WI$64,416
Utica, NY$64,240
Rochester, NY$64,135
Des Moines, IA$64,129
Raleigh, NC$64,122
Atlanta, GA$64,024
Battle Creek, MI$64,004
Salt Lake City, UT$63,985
Lancaster, PA$63,887
Harrisburg, PA$63,795
Kansas City, MO$63,730
Champaign, IL$63,717
Kansas City, KS$63,717
Fort Worth, TX$63,710
Columbus, OH$63,699
Boca Raton, FL$63,684
Pittsburgh, PA$63,658
Richmond, VA$63,632
Indianapolis, IN$63,619
Cleveland, OH$63,612
Las Vegas, NV$63,534
Cincinnati, OH$63,534
Petersburg, VA$63,436
Huntsville, AL$63,337
Lansing, MI$63,294
Lebanon, PA$63,285
Pueblo, CO$63,279
Appleton, WI$63,259
Buffalo, NY$63,233
Dayton, OH$63,213
Racine, WI$63,200
Charlotte, NC$63,194
Saint Louis, MO$63,174
York, PA$63,135
Elkhart, IN$63,135
Gastonia, NC$63,122
Billings, MT$63,107
Beaumont, TX$63,089
Lorain, OH$63,076
Benton Harbor, MI$63,063
Toledo, OH$63,050
Binghamton, NY$63,017
Rock Hill, SC$63,011
Rockford, IL$62,978
Springfield, IL$62,952
Elyria, OH$62,945
Fargo, ND$62,945
Flagstaff, AZ$62,899
Fort Lauderdale, FL$62,860
Duluth, MN$62,821
Miami, FL$62,821
Cheyenne, WY$62,775
Grand Forks, ND$62,775
Bangor, ME$62,631
Cedar Rapids, IA$62,559
Durham, NC$62,532
Louisville, KY$62,527
Grand Rapids, MI$62,514
Hialeah, FL$62,507
Casper, WY$62,416
Scranton, PA$62,337
New Orleans, LA$62,317
Virginia Beach, VA$62,311
Akron, OH$62,278
Peoria, IL$62,193
Sarasota, FL$62,180
Nashville, TN$62,134
Omaha, NE$62,134
Green Bay, WI$62,134
Baton Rouge, LA$62,102
Charleston, SC$62,089
Jamestown, NY$62,056
Davenport, IA$62,056
Tucson, AZ$62,023
Saint Petersburg, FL$61,984
Tampa, FL$61,971
Evansville, IN$61,932
Port Arthur, TX$61,932
Bradenton, FL$61,906
Santa Fe, NM$61,788
Orlando, FL$61,670
Clearwater, FL$61,651
Canton, OH$61,513
La Crosse, WI$61,513
Albuquerque, NM$61,474
Newport News, VA$61,467
High Point, NC$61,448
Ogden, UT$61,422
Corpus Christi, TX$61,369
Norfolk, VA$61,330
Laramie, WY$61,330
Rock Island, IL$61,291
Saginaw, MI$61,278
Jacksonville, FL$61,271
Salisbury, NC$61,258
Boise, ID$61,245
Moline, IL$61,213
Fort Myers, FL$61,193
Memphis, TN$61,180
Tulsa, OK$61,147
Waterloo, IA$61,108
Spartanburg, SC$61,043
Lincoln, NE$61,010
Fort Wayne, IN$60,997
Provo, UT$60,990
Cedar Falls, IA$60,912
San Antonio, TX$60,886
Greensboro, NC$60,859
South Bend, IN$60,853
Savannah, GA$60,781
Muskegon, MI$60,755
Birmingham, AL$60,748
Winston Salem, NC$60,716
Lake Charles, LA$60,559
Anderson, IN$60,546
Lexington, KY$60,526
Augusta, GA$60,506
Greenville, SC$60,506
Lima, OH$60,454
Wichita, KS$60,448
Tuscaloosa, AL$60,448
Columbia, SC$60,389
Springfield, OH$60,376
Asheville, NC$60,271
Bloomington, IN$60,225
Knoxville, TN$59,990
Shreveport, LA$59,983
Wilmington, NC$59,898
Roanoke, VA$59,898
Topeka, KS$59,781
Frankfort, KY$59,773
Oklahoma City, OK$59,728
Chillicothe, OH$59,702
Longview, TX$59,696
Melbourne, FL$59,689
Sioux Falls, SD$59,584
Mobile, AL$59,578
Terre Haute, IN$59,552
Altoona, PA$59,513
Amarillo, TX$59,467
Killeen, TX$59,447
Fayetteville, AR$59,395
Chattanooga, TN$59,375
Sioux City, IA$59,316
Idaho Falls, ID$59,303
Lynchburg, VA$59,251
Gainesville, FL$59,166
Portsmouth, OH$59,133
Little Rock, AR$59,120
Lafayette, LA$59,094
Youngstown, OH$59,094
Daytona Beach, FL$59,055
Clarksville, TN$59,048
Pensacola, FL$59,042
Temple, TX$59,037
Hopkinsville, KY$58,846
Erie, PA$58,833
Florence, SC$58,806
Charleston, WV$58,702
Great Falls, MT$58,669
Macon, GA$58,578
Tallahassee, FL$58,571
Fayetteville, NC$58,558
Waco, TX$58,545
Helena, MT$58,499
Pine Bluff, AR$58,474
Vincennes, IN$58,394
Lubbock, TX$58,368
Alamogordo, NM$58,329
Twin Falls, ID$58,270
Rapid City, SD$58,251
Jackson, MS$58,133
Huntington, WV$58,128
Greenville, MS$58,126
Parkersburg, WV$58,060
Montgomery, AL$58,048
Wichita Falls, TX$57,983
Springfield, MO$57,983
Biloxi, MS$57,950
Monroe, LA$57,884
Johnstown, PA$57,839
Sumter, SC$57,813
Columbus, GA$57,806
Pascagoula, MS$57,682
Abilene, TX$57,682
Kingsport, TN$57,512
Albany, GA$57,512
Gulfport, MS$57,492
Alexandria, LA$57,276
Fort Smith, AR$57,113
El Paso, TX$56,936
Las Cruces, NM$56,642
Harlingen, TX$56,476
Pocatello, ID$56,466
Florence, AL$56,381
Brownsville, TX$56,368
Mcallen, TX$56,230
Dothan, AL$56,139
Columbus, MS$55,750
Altus, OK$55,446
Lawton, OK$55,321
Pierre, SD$55,086
What Skills Can Increase a Mortgage Loan Officer II's Salary?
Demanded Skills for the Role:
Customer Service (Mentioned in 3.96% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
CRM (Mentioned in 5.85% Job Postings): Customer relationship management (CRM) is a technology for managing all your company's relationships and interactions with customers and potential customers.
Mortgage Lending (Mentioned in 0.88% Job Postings): A mortgage loan is a secured loan that allows you to avail funds by providing an immovable asset, such as a house or commercial property, as collateral to the lender.
Mastering certain specialized skills can lead to a significant increase in pay.
Here are examples of skills and the potential impact they can have on a Mortgage Loan Officer II's salary.
Brand Awareness: Can increase your salary by up to 11%.
Services Marketing: Can increase your salary by up to 11%.
Customer Engagement: Can increase your salary by up to 10%.
Mortgage Loan Officer II Salary by Company Size: Startups vs. Enterprise
Mortgage Loan Officer II salary potential scales significantly with company size.
Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $70,138.
While startup companies pay approximate $59,465.
Mortgage Loan Officer II Salary by Company Size
Company Size
Employees
Average Salary
Startup
1~50
$59,465
Growth Stage
51~500
$62,873
Established
501~5000
$67,736
Enterprise
5000+
$70,138
Mortgage Loan Officer II Salary by Industry: Top Paying Sectors
For Mortgage Loan Officer II roles, the industry you choose can affect earning potential
by as much as 25% (the gap between the highest and lowest paying industries).
Data shows that the Financial Services and Edu., Gov't. & Nonprofit
sectors offer the strongest compensation, at 10% above the average.
In contrast, Mortgage Loan Officer positions in Business Services or Insurance typically offer lower base pay,
as these industries often view Mortgage Loan Officer II as a support function rather than a direct revenue driver.
The top paying industries for a Mortgage Loan Officer II
Industry Sector
Average Annual Salary
Average Hourly Rate
Pay vs.Avg
Financial Services
$71,922
$35.0
10%
Edu., Gov't. & Nonprofit
$68,653
$33.0
5%
Mortgage Loan Officer II Salary: Hourly Rate, Weekly Pay, and Monthly Pay
Understanding how a Mortgage Loan Officer II's annual salary breaks down can help with budgeting.
Below, you can see the average hourly rate, weekly pay, and monthly pay for this role.
Use the buttons to switch between different pay periods.
Yearly
Monthly
Weekly
Hourly
Table View
Last Updated on October 01, 2026
$59,879
Average$65,136/year
$69,467
$4,990
Average$5,428/month
$5,789
$1,152
Average$1,253/week
$1,336
$29
Average$31/hour
$33
Annual Salary
Monthly Pay
Weekly Pay
Hourly Wage
75th Percentile
$69,467
$5,789
$1,336
$33
Average
$65,136
$5,428
$1,253
$31
25th Percentile
$59,879
$4,990
$1,152
$29
Mortgage Loan Officer II Salary Growth & Career Path
Promotions are the fastest way to increase your earnings.
As a Mortgage Loan Officer II, you have the following paths for advancement.
The table below compares the salary raises for common next-step roles.
By comparing these figures, you can choose the career path that best meets your financial goals.
Mortgage Loan Officer II Salary Growth and Career Path
Next Step Role
Estimate Salary
Projected Raise
Mortgage Loan Officer III
$92,846
43%
Secondary Market Analyst III
$93,883
44%
Mortgage Lending Branch Manager
$122,700
88%
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