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As of August 01, 2026, the average salary for a Construction Lending Officer in California is $123,700 per year, which breaks down to an hourly rate of $59.
However, a Construction Lending Officer's salary can vary significantly. Here’s a look at the typical salary range:
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Construction Lending Officer Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $139,600 | $11,633 | $2,685 | $67 |
| Average | $123,700 | $10,308 | $2,379 | $59 |
| 25th Percentile | $108,200 | $9,017 | $2,081 | $52 |
Ascent Developer Solutions - Los Angeles, CA
Wheelhouse Credit Union - San Diego, CA
Confidential - San Jose, CA
Confidential - Los Angeles, CA
A Construction Lending Officer'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, and company size can directly affect your earning potential.
Experience is a primary driver of a Construction Lending Officer'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:
| Levels | Salary |
|---|---|
| Entry Level Construction Lending Officer | $118,650 |
| Intermediate Level Construction Lending Officer | $121,435 |
| Senior Level Construction Lending Officer | $127,787 |
| Specialist Level Construction Lending Officer | $131,580 |
| Expert Level Construction Lending Officer | $132,054 |
What Am I Worth?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Construction Lending Officers. For example, consider the average annual salaries in these key locations:
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:
Construction Lending Officer salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $133,037. While startup companies pay approximate $112,686.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $112,686 |
| Growth Stage | 51~500 | $119,157 |
| Established | 501~5000 | $128,502 |
| Enterprise | 5000+ | $133,037 |
For Construction Lending Officer roles, the industry you choose can affect earning potential by as much as 90% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Construction sectors offer the strongest compensation, at 50% above the average. In contrast, Construction Lending Officer positions in Insurance or Edu., Gov't. & Nonprofit typically offer lower base pay, as these industries often view Construction Lending Officer as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Financial Services | $185,550 | $89.0 | 50% |
| Construction | $160,810 | $77.0 | 30% |
Understanding how a Construction Lending Officer'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.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $139,600 | $11,633 | $2,685 | $67 |
| Average | $123,700 | $10,308 | $2,379 | $59 |
| 25th Percentile | $108,200 | $9,017 | $2,081 | $52 |
Promotions are the fastest way to increase your earnings. As a Construction Lending Officer, 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.
| Next Step Role | Estimate Salary | Projected Raise |
|---|---|---|
| Agricultural Lending Officer III | $112,000 | -9% |
| Loan Officer III | $105,400 | -15% |
| Senior SBA Loan Officer | $115,200 | -7% |
Ready to take the next step in your career? Browse thousands of current Construction Lending Officer job openings on our job board. Use the search bar below to find your perfect match.
Confidential
San Francisco, CA
Confidential | San Francisco, CA
Chief Lending Officer. About the Company. Impact-led financial services organization. Industry. Financial Services. Type. Non Profit. Employees. 201-500. S... more
1 Month Ago
Confidential
San Diego, CA
Confidential | San Diego, CA
Chief Lending Officer. About the Company. Impact-led financial services organization. Industry. Financial Services. Type. Non Profit. Employees. 201-500. S... more
1 Month Ago
Citigroup
San Jose, CA
Citigroup | San Jose, CA
Community Lending Officer - San Jose. The Community Mortgage Lending Officer is an entry level position responsible for driving mortgage sales and client r... more
3 Days Ago
Citigroup
Ventura, CA
Citigroup | Ventura, CA
Mortgage Lending Officer Safe Act - Ventura. The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies s... more
3 Days Ago
Citigroup
Fountain Valley, CA
Citigroup | Fountain Valley, CA
Mortgage Lending Officer Safe Act - Tustin. The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies sp... more
3 Days Ago
Citigroup
San Francisco, CA
Citigroup | San Francisco, CA
Mortgage Lending Officer. The Mortgage Lending Officer role is a developing professional role. This role identifies policy and applies specialty knowledge ... more
2 Days Ago
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