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
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 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
$52,994Lending S...
$74,190Intermedi...
$95,486Loan Offi...
$183,318Vice Pres...
$215,508Lending a...
View as Table
View as Graph
What Am I Worth?
How Do Lending Specialist I Salaries Vary from State to State?
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 Lending Specialist Is.
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:
San Jose: $66,890
San Francisco: $66,190
Oakland: $64,790
San Jose, CA$66,890
San Francisco, CA$66,190
Oakland, CA$64,790
New York, NY$61,090
Paramus, NJ$60,290
Queens Village, NY$60,290
Passaic, NJ$60,290
Bergenfield, NJ$60,290
Stamford, CT$60,190
Huntington, NY$60,090
Newark, NJ$59,690
Bridgeport, CT$59,590
Vallejo, CA$59,490
New Brunswick, NJ$59,490
Petaluma, CA$59,490
Middlesex, NJ$59,390
Somerset, NJ$59,290
Santa Cruz, CA$59,290
Boston, MA$58,890
Monterey, CA$58,790
Seattle, WA$58,590
Santa Rosa, CA$58,590
Los Angeles, CA$58,590
Juneau, AK$58,490
Washington, DC$58,390
Orange, CA$58,190
Santa Ana, CA$58,090
Anaheim, CA$57,990
Anchorage, AK$57,990
Long Beach, CA$57,990
Santa Maria, CA$57,790
Everett, WA$57,790
Danbury, CT$57,590
Bremerton, WA$57,590
Tacoma, WA$57,390
New Suffolk, NY$57,390
Sacramento, CA$57,390
Santa Barbara, CA$57,290
Brockton, MA$57,190
Trenton, NJ$57,190
San Diego, CA$57,190
Fairbanks, AK$56,990
Lompoc, CA$56,890
Lowell, MA$56,890
Ventura, CA$56,890
Nashua, NH$56,790
Stockton, CA$56,790
Modesto, CA$56,490
Poughkeepsie, NY$56,290
New Haven, CT$56,190
Olympia, WA$56,190
Kennewick, WA$56,190
Lawrence, MA$55,990
Hartford, CT$55,990
Riverside, CA$55,990
New Bedford, MA$55,890
Richland, WA$55,890
Norwich, CT$55,790
Portsmouth, NH$55,790
New London, CT$55,790
New Britain, CT$55,790
San Bernardino, CA$55,790
Bakersfield, CA$55,790
Atlantic City, NJ$55,790
Boulder, CO$55,690
Portland, OR$55,590
Worcester, MA$55,590
Minneapolis, MN$55,390
Philadelphia, PA$55,290
Honolulu, HI$55,190
Saint Paul, MN$55,090
Vineland, NJ$55,090
Providence, RI$54,990
Chicago, IL$54,790
Bellingham, WA$54,790
Springfield, MA$54,690
Baltimore, MD$54,690
Chico, CA$54,590
Pittsfield, MA$54,390
Manchester, NH$54,290
Spokane, WA$54,090
Denver, CO$54,090
Albany, NY$53,790
Troy, NY$53,790
Nassau, NY$53,790
Schenectady, NY$53,690
Wilmington, DE$53,690
Burlington, VT$53,590
Salem, OR$53,590
Portland, ME$53,390
Yakima, WA$53,290
Rochester, MN$53,190
Reno, NV$53,090
Fresno, CA$53,090
Milwaukee, WI$53,090
Detroit, MI$52,990
Ann Arbor, MI$52,990
Allentown, PA$52,990
Carson City, NV$52,890
Syracuse, NY$52,890
Colorado Springs, CO$52,890
Houston, TX$52,790
Eugene, OR$52,790
Gary, IN$52,790
Springfield, OR$52,690
Bismarck, ND$52,690
Galveston, TX$52,690
Medford, OR$52,590
Fort Collins, CO$52,590
Austin, TX$52,490
Concord, NH$52,490
Mesa, AZ$52,390
Reading, PA$52,390
Phoenix, AZ$52,390
Dallas, TX$52,390
Saint Cloud, MN$52,290
Madison, WI$52,290
Utica, NY$52,090
Raleigh, NC$51,990
Des Moines, IA$51,990
Rochester, NY$51,990
Atlanta, GA$51,890
Battle Creek, MI$51,890
Salt Lake City, UT$51,890
Lancaster, PA$51,790
Harrisburg, PA$51,790
Boca Raton, FL$51,690
Columbus, OH$51,690
Fort Worth, TX$51,690
Kansas City, KS$51,690
Kansas City, MO$51,690
Champaign, IL$51,690
Pittsburgh, PA$51,590
Richmond, VA$51,590
Indianapolis, IN$51,590
Cleveland, OH$51,590
Cincinnati, OH$51,490
Las Vegas, NV$51,490
Petersburg, VA$51,490
Huntsville, AL$51,390
Lansing, MI$51,290
Lebanon, PA$51,290
Pueblo, CO$51,290
Appleton, WI$51,290
Buffalo, NY$51,290
Dayton, OH$51,290
Racine, WI$51,290
Charlotte, NC$51,290
Saint Louis, MO$51,290
Toledo, OH$51,190
Benton Harbor, MI$51,190
Lorain, OH$51,190
Beaumont, TX$51,190
York, PA$51,190
Gastonia, NC$51,190
Elkhart, IN$51,190
Billings, MT$51,190
Elyria, OH$51,090
Fargo, ND$51,090
Springfield, IL$51,090
Rock Hill, SC$51,090
Rockford, IL$51,090
Binghamton, NY$51,090
Flagstaff, AZ$50,990
Fort Lauderdale, FL$50,990
Duluth, MN$50,990
Miami, FL$50,990
Grand Forks, ND$50,890
Cheyenne, WY$50,890
Cedar Rapids, IA$50,790
Bangor, ME$50,790
Durham, NC$50,690
Louisville, KY$50,690
Grand Rapids, MI$50,690
Hialeah, FL$50,690
Casper, WY$50,590
Scranton, PA$50,590
New Orleans, LA$50,590
Virginia Beach, VA$50,590
Peoria, IL$50,490
Akron, OH$50,490
Sarasota, FL$50,390
Nashville, TN$50,390
Omaha, NE$50,390
Green Bay, WI$50,390
Baton Rouge, LA$50,390
Charleston, SC$50,390
Tucson, AZ$50,290
Tampa, FL$50,290
Saint Petersburg, FL$50,290
Jamestown, NY$50,290
Davenport, IA$50,290
Evansville, IN$50,190
Port Arthur, TX$50,190
Bradenton, FL$50,190
Santa Fe, NM$50,090
Orlando, FL$49,990
Clearwater, FL$49,990
High Point, NC$49,890
Newport News, VA$49,890
Albuquerque, NM$49,890
Canton, OH$49,890
La Crosse, WI$49,890
Ogden, UT$49,790
Corpus Christi, TX$49,790
Norfolk, VA$49,790
Laramie, WY$49,790
Moline, IL$49,690
Boise, ID$49,690
Salisbury, NC$49,690
Jacksonville, FL$49,690
Saginaw, MI$49,690
Rock Island, IL$49,690
Fort Myers, FL$49,590
Memphis, TN$49,590
Tulsa, OK$49,590
Waterloo, IA$49,590
Fort Wayne, IN$49,490
Provo, UT$49,490
Spartanburg, SC$49,490
Lincoln, NE$49,490
Cedar Falls, IA$49,390
San Antonio, TX$49,390
Greensboro, NC$49,390
South Bend, IN$49,390
Savannah, GA$49,290
Muskegon, MI$49,290
Birmingham, AL$49,290
Winston Salem, NC$49,290
Greenville, SC$49,090
Augusta, GA$49,090
Lake Charles, LA$49,090
Anderson, IN$49,090
Lexington, KY$49,090
Lima, OH$48,990
Wichita, KS$48,990
Tuscaloosa, AL$48,990
Columbia, SC$48,990
Springfield, OH$48,990
Bloomington, IN$48,890
Asheville, NC$48,890
Knoxville, TN$48,690
Shreveport, LA$48,690
Wilmington, NC$48,590
Roanoke, VA$48,590
Topeka, KS$48,490
Frankfort, KY$48,490
Oklahoma City, OK$48,490
Longview, TX$48,390
Melbourne, FL$48,390
Chillicothe, OH$48,390
Sioux Falls, SD$48,290
Mobile, AL$48,290
Terre Haute, IN$48,290
Altoona, PA$48,290
Chattanooga, TN$48,190
Amarillo, TX$48,190
Killeen, TX$48,190
Fayetteville, AR$48,190
Lynchburg, VA$48,090
Sioux City, IA$48,090
Idaho Falls, ID$48,090
Gainesville, FL$47,990
Portsmouth, OH$47,990
Little Rock, AR$47,990
Pensacola, FL$47,890
Lafayette, LA$47,890
Youngstown, OH$47,890
Daytona Beach, FL$47,890
Clarksville, TN$47,890
Temple, TX$47,890
Hopkinsville, KY$47,690
Erie, PA$47,690
Florence, SC$47,690
Charleston, WV$47,590
Great Falls, MT$47,590
Helena, MT$47,490
Waco, TX$47,490
Fayetteville, NC$47,490
Tallahassee, FL$47,490
Macon, GA$47,490
Pine Bluff, AR$47,390
Vincennes, IN$47,390
Lubbock, TX$47,390
Alamogordo, NM$47,290
Twin Falls, ID$47,290
Rapid City, SD$47,290
Greenville, MS$47,190
Jackson, MS$47,190
Huntington, WV$47,190
Parkersburg, WV$47,090
Montgomery, AL$47,090
Monroe, LA$46,990
Wichita Falls, TX$46,990
Springfield, MO$46,990
Biloxi, MS$46,990
Columbus, GA$46,890
Sumter, SC$46,890
Johnstown, PA$46,890
Pascagoula, MS$46,790
Abilene, TX$46,790
Kingsport, TN$46,690
Albany, GA$46,690
Gulfport, MS$46,590
Alexandria, LA$46,490
Fort Smith, AR$46,290
El Paso, TX$46,190
Las Cruces, NM$45,990
Harlingen, TX$45,790
Pocatello, ID$45,790
Florence, AL$45,690
Brownsville, TX$45,690
Mcallen, TX$45,590
Dothan, AL$45,590
Columbus, MS$45,190
Altus, OK$44,990
Lawton, OK$44,890
Pierre, SD$44,690
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%
Get Latest Data
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
Startup
1~50
$47,940
Growth Stage
51~500
$50,660
Established
501~5000
$54,569
Enterprise
5000+
$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
$31.0
20%
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.
Hourly
Monthly
Weekly
Yearly
Table View
Last Updated on August 01, 2026
$46,390
Average$52,990/year
$61,090
$3,866
Average$4,416/month
$5,091
$892
Average$1,019/week
$1,175
$22
Average$25/hour
$29
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
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
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)
For Employers
If your compensation planning software is too rigid to deploy winning incentive strategies, it’s time to find an adaptable solution.
Compensation Planning
Common company salaries for Lending Specialist I
Here are companies hiring for Lending Specialist I and their salaries, click below for more details.
K
$114,295/per year
Kpmg Us LLP
Business Services
the United States
W
$114,096/per year
Warner Bros Discovery
Business Services
the United States
D
$111,927/per year
Dentsu International Ltd
Business Services
the United States
G
$111,873/per year
GroupM Worldwide Inc
Business Services
the United States
C
$111,651/per year
CoWorx Staffing
Business Services
the United States
C
$110,194/per year
Contemporary Services Corp
Business Services
the United States
S
$107,128/per year
Showcase Cinemas
Business Services
the United States
A
$106,429/per year
Amentum Services Inc
Business Services
the United States
A
$106,199/per year
Allied Universal Security Services LLC
Business Services
the United States
S
$106,104/per year
Sodexo USA
Business Services
the United States
J
$105,192/per year
JLL Technologies
Business Services
the United States
I
$104,478/per year
Intact Insurance Group USA LLC
Business Services
the United States
N
$101,619/per year
NielsenIQ
Business Services
the United States
T
$101,470/per year
The Leading Edge Alliance
Business Services
the United States
H
$101,308/per year
Honeywell UOP
Business Services
the United States
R
$97,720/per year
Reeve & Associates
Business Services
the United States
M
$97,584/per year
ManpowerGroup Global Inc
Business Services
the United States
F
$95,980/per year
Financial Sys Nco
Business Services
the United States
A
$95,314/per year
Arrow Global Ltd
Business Services
the United States
C
$94,777/per year
CarMax Enterprise Services LLC
Business Services
the United States
D
$94,479/per year
DZConneX
Business Services
the United States
A
$93,802/per year
Adecco Staffing, USA
Business Services
the United States
R
$92,937/per year
Resource MFG
Business Services
the United States
Z
$92,774/per year
Zachry Brands Inc
Business Services
the United States
G
$88,138/per year
Greystar Worldwide LLC
Business Services
the United States
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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.