As of January 01, 2026, the average salary for a Construction Loan Officer in California is $123,399 per year, which breaks down to an hourly rate of $59.
However, a Construction Loan Officer's salary can vary significantly. Here’s a look at the typical salary range:
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Construction Loan Officer Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $139,149 | $11,596 | $2,676 | $67 |
| Average | $123,399 | $10,283 | $2,373 | $59 |
| 25th Percentile | $107,185 | $8,932 | $2,061 | $52 |
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A Construction Loan 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 Loan 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 Loan Officer | $118,075 |
| Intermediate Level Construction Loan Officer | $120,979 |
| Senior Level Construction Loan Officer | $127,395 |
| Specialist Level Construction Loan Officer | $131,157 |
| Expert Level Construction Loan Officer | $131,627 |
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 Loan 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:
Understanding how a Construction Loan 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 | $139,149 | $11,596 | $2,676 | $67 |
| Average | $123,399 | $10,283 | $2,373 | $59 |
| 25th Percentile | $107,185 | $8,932 | $2,061 | $52 |
Promotions are the fastest way to increase your earnings. As a Construction Loan 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 |
|---|---|---|
| Construction Loan Manager | $176,268 | 43% |
| Community Reinvestment Officer | $103,092 | -16% |
| Middle Market Lending Manager | $125,309 | 2% |
| Lending Officer III | $105,298 | -15% |
Ready to take the next step in your career? Browse thousands of current Construction Loan Officer job openings on our job board. Use the search bar below to find your perfect match.
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