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Lending Specialist I Salary in the United States

How much does a Lending Specialist I make in the United States?

As of August 01, 2026, the average salary for a Lending Specialist I in the United States is $52,990 per year, which breaks down to an hourly rate of $25.

However, a Lending Specialist I's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $68,465
  • Majority Range (25th-75th percentile): $46,390 to $61,090
  • Entry-Level (10th percentile): $40,381
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View as table View as graph 25% $46,390 10% $40,381 90% $68,465 75% $61,090 $52,990 50%(Median) Didn’t find job title? Click

Lending Specialist I Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $61,090 $5,091 $1,175 $29
Average $52,990 $4,416 $1,019 $25
25th Percentile $46,390 $3,866 $892 $22
Check out Lending Specialist I Job Openings in the United States
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Key Factors That Influence Lending Specialist I Salaries

A Lending Specialist I'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.

How Experience Level Affects Lending Specialist Salaries?

Experience is a primary driver of a Lending Specialist I'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:

  • Lending Specialist I (0-2 years): $52,994
  • Intermediate Lending Officer (2-4 years): $74,190
  • Loan Officer III (4-7 years): $95,486
  • Vice President of Lending (7+ years): $183,318
  • Lending and Credit Executive (7+ years): $215,508
Job Role Years of Experience Average Salary
Lending Specialist I0-2 years$52,994
Intermediate Lending Officer2-4 years$74,190
Loan Officer III4-7 years$95,486
Vice President of Lending7+ years$183,318
Lending and Credit Executive7+ years$215,508
$52,994 Lending S...
$74,190 Intermedi...
$95,486 Loan Offi...
$183,318 Vice Pres...
$215,508 Lending a...
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What Am I Worth?

Top Paying Cities for Lending Specialist Is

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: $66,890
  • San Francisco: $66,190
  • Oakland: $64,790

What Skills Can Increase a Lending Specialist I's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 8.13% 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.
  • Customer Satisfaction (Mentioned in 2.05% Job Postings): Customer satisfaction (often abbreviated as CSAT, more correctly CSat) is a term frequently used in marketing. It is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals." The Marketing Accountability Standards Board (MASB) endorses the definitions, purposes, and constructs of classes of measures that appear in Marketing Metrics as part of its ongoing Common Language in Marketing Project. In a survey of nearly 200 senior marketing managers, 71 percent responded that they found a customer satisfaction metric very useful in managing and monitoring their businesses. It is seen as a key performance indicator within business and is often part of a Balanced Scorecard. In a competitive marketplace where businesses compete for customers, customer satisfaction is seen as a key differentiator and increasingly has become a key element of business strategy.
  • Microsoft Office (Mentioned in 1.37% Job Postings): Microsoft Office is a suite of desktop productivity applications that is designed by Microsoft for business use. You can create documents containing text and images, work with data in spreadsheets and databases, create presentations and posters.
See More Skills
Skills Demand Percentage
Customer Service 8.13%
Customer Satisfaction 2.05%
Microsoft Office 1.37%
What skills can make your compensation higher?
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 Lending Specialist I's salary.
  • Mortgage Banking: Can increase your salary by up to 16%.
  • Business Development: Can increase your salary by up to 11%.
  • Commitment: Can increase your salary by up to 9%.
Skill Salary Salary % Increase
Mortgage Banking
$61,468
16%
Business Development
$58,819
11%
Commitment
$57,759
9%
Lending Products
$57,229
8%
Presentation
$56,169
6%
Analysis
$56,169
6%
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Lending Specialist I Salary by Company Size: Startups vs. Enterprise

Lending Specialist I salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $56,457. While startup companies pay approximate $47,940.

Lending Specialist I Salary by Company Size

Company Size Employees Average Salary
Startup1~50$47,940
Growth Stage51~500$50,660
Established501~5000$54,569
Enterprise5000+$56,457

Lending Specialist I Salary by Industry: Top Paying Sectors

For Lending Specialist I roles, the industry you choose can impact your earning potential by as much as 40% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Business Services, offers compensation 20% above the average. Conversely, Lending Specialist positions in Edu., Gov't. & Nonprofit typically offer lower base pay, as this sector often view Lending Specialist I as a support function rather than a direct revenue driver.

The top paying industry for a Lending Specialist I

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Business Services$63,588$31.020%

Lending Specialist I Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Lending Specialist I'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.

Last Updated on August 01, 2026

Lending Specialist I Salary Growth & Career Path

Promotions are the fastest way to increase your earnings. As a Lending Specialist I, 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.

Lending Specialist I Salary Growth and Career Path
Next Step Role Estimate Salary Projected Raise
Agricultural Lending Officer III $101,600 92%
Construction Lending Officer $112,200 112%
Middle Market Loan Officer II $113,700 115%
Intermediate Lending Officer $74,200 40%

Salary Trends for Lending Specialist I

Salaries for a Lending Specialist I can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $60,393 in 2023 to around $59,001 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Lending Specialist I salary trends, .

Average Annual Salary of Lending Specialist I Over Time

2022
$???
2023
$60,393
2024
$59,406
2025
$59,001
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $60,393
2024 $59,406
2025 $59,001
2026
View More
2027
View More

Most common benefits for Lending Specialist I

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Lending Specialist I

Here are companies hiring for Lending Specialist I and their salaries, click below for more details.

Find Your Next Lending Specialist I Job

Ready to take the next step in your career? Browse thousands of current Lending Specialist I job openings on our job board. Use the search bar below to find your perfect match.

United States
  • Continuum Medical Staffing

    Columbus, OH

    Continuum Medical Staffing | Columbus, OH

    PSYCHIATRIST- CHILD/ADOLESCENT COLUMBUS OHIO We are seeking a Board-Certified Child/ Adolescent Psychiatrist for a permanent position in Columbus Ohio No V... more

    4 Days Ago

  • MD Staff, LLC

    Columbus, OH

    MD Staff, LLC | Columbus, OH

    Neurologist Locum Tenens Opportunity Near Columbus, OH. We are excited to offer a rewarding locum tenens opportunity for a Board Certified or Board Eligibl... more

    4 Days Ago

  • Confidential

    Columbus, OH

    Confidential | Columbus, OH

    Associate Vice President, Brand & External Communications. About the Company. National consulting & advisory services firm focused on the healthcare indust... more

    15 Days Ago

  • C.R. England

    Columbus, OH

    C.R. England | Columbus, OH

    Job Description. C.R. England is Now Urgently Hiring Local Dedicated CDL-A Truck Drivers. \n. Dedicated Local Fleet - Home Daily - Competitive Pay* - Full ... more

    16 Days Ago

  • Confidential

    Columbus, OH

    Confidential | Columbus, OH

    Vice President, Credit Risk Strategy & Data Science. About the Company. High-growth SMB lender building the next generation of credit decisioning. Industry... more

    16 Days Ago

  • KreilKamp Trucking

    Columbus, OH

    KreilKamp Trucking | Columbus, OH

    Regional CDL A Drivers | NEW Grads Welcome | Earn $70,000+ Annually. We're proud to be a 4th generation family truck line, started in 1935, but even proude... more

    16 Days Ago

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FAQ about Lending Specialist I

1. What industry pays the highest salary for Lending Specialist I?

The Business Services industry offers the highest average compensation for Lending Specialist I roles, with salaries approximately 20% above the market median.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

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