Consumer Lending Officer Salary in the United States

How much does a Consumer Lending Officer make in the United States?

As of May 01, 2026, the average salary for a Consumer Lending Officer in the United States is $58,945 per year, which breaks down to an hourly rate of $28.

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

  • Top Earners (90th percentile): $78,808
  • Majority Range (25th-75th percentile): $53,842 to $69,342
  • Entry-Level (10th percentile): $49,196
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View as table View as graph 25% $53,842 10% $49,196 90% $78,808 75% $69,342 $58,945 50%(Median) Didn’t find job title? Click

Consumer Lending Officer Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $69,342 $5,779 $1,334 $33
Average $58,945 $4,912 $1,134 $28
25th Percentile $53,842 $4,487 $1,035 $26
Check out Consumer Lending Officer Job Openings in the United States
Chief Lending Officer

Confidential - Powell, OH

Chief Lending&amp Investment Officer

Confidential - Columbus, OH

Chief Lending Officer

Rhonemus Group - Powell, OH

Search More Consumer Lending Officer Jobs in the United States

Key Factors That Influence Consumer Lending Officer Salaries

A Consumer 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, education and company size can directly affect your earning potential.

How Experience Level Affects Consumer Lending Officer Salaries?

Experience is a primary driver of a Consumer 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:

  • Entry-Level (less than 1 year): $50,921
  • Early Career (1-2 years): $56,779
  • Mid-Level (2-4 years): $66,687
  • Senior-Level (5-8 years): $103,405
  • Expert (over 8 years): $120,535
Levels Salary
Consumer ... Level Consumer Lending Officer$50,921
Consumer ... Level Consumer Lending Officer$56,779
Consumer ... Level Consumer Lending Officer$66,687
Consumer ... Level Consumer Lending Officer$103,405
Consumer ... Level Consumer Lending Officer$120,535
$50,921 0 yr
$56,779 < 2 yrs
$66,687 2-4 yrs
$103,405 5-8 yrs
$120,535 > 8 yrs
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What Am I Worth?

How Do Consumer Lending Officer 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 Consumer Lending Officers. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $65,264.
  • California: $65,016.
  • Massachusetts: $64,150.

Top Paying Cities for Consumer Lending Officers

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: $74,347
  • San Francisco: $73,533
  • Oakland: $71,984

What Skills Can Increase a Consumer Lending Officer's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 17.57% 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.
  • Sales Management (Mentioned in 6.25% Job Postings): Sales management is a business discipline which is focused on the practical application of sales techniques and the management of a firm's sales operations. It is an important business function as net sales through the sale of products and services and resulting profit drive most commercial business. These are also typically the goals and performance indicators of sales management. Sales manager is the typical title of someone whose role is sales management. The role typically involves talent development .
  • Succession Planning (Mentioned in 0.57% Job Postings): Succession planning is a process for identifying and developing new leaders who can replace old leaders when they leave, retire or die. Succession planning increases the availability of experienced and capable employees that are prepared to assume these roles as they become available. Taken narrowly, "replacement planning" for key roles is the heart of succession planning. In dictatorships, succession planning aims for continuity of leadership, preventing a chaotic power struggle by preventing a power vacuum. In monarchies, succession is usually settled by the order of succession. In business, succession planning entails developing internal people with the potential to fill key business leadership positions in the company.Effective succession or talent-pool management concerns itself with building a series of feeder groups up and down the entire leadership pipeline or progression. In contrast, replacement planning is focused narrowly on identifying specific back-up candidates for given senior management positions. Thought should be given to the retention of key employees, and the consequences that the departure of key employees may have on the business.
See More Skills
Skills Demand Percentage
Customer Service 17.57%
Sales Management 6.25%
Succession Planning 0.57%
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 Consumer Lending Officer's salary.
  • Sales Management: Can increase your salary by up to 28%.
  • Customer Sales: Can increase your salary by up to 26%.
  • Team Operations: Can increase your salary by up to 22%.
Skill Salary Salary % Increase
Sales Management
$75,450
28%
Customer Sales
$74,271
26%
Team Operations
$71,913
22%
Business Development
$70,145
19%
Listening
$68,376
16%
Partnering
$67,787
15%
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How Education impacts a Consumer Lending Officer's Salary?

Your level of education can impact your salary potential. While many Consumer Lending Officers enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Consumer Lending Officer with a High School Diploma or Technical Certificate is between $50,490 and $53,776).

Consumer Lending Officer Salaries by Degree Level

Typical Education for Consumer Lending Officer
Degree Level % of user with this level of education
No Diploma 1.5%
High School 26.3%
Associates 11.2%
Bachelors 54.1%
Masters 6.3%
Doctorate 0.5%
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Consumer Lending Officer Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Consumer 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.

Last Updated on May 01, 2026

Salary Trends for Consumer Lending Officer

Salaries for a Consumer Lending Officer can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $46,221 in 2023 to around $46,215 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Consumer Lending Officer salary trends, .

Average Annual Salary of Consumer Lending Officer Over Time

2022
$???
2023
$46,221
2024
$46,502
2025
$46,215
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $46,221
2024 $46,502
2025 $46,215
2026
View More
2027
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Most common benefits for Consumer Lending Officer

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

Here are companies hiring for Consumer Lending Officer and their salaries, click below for more details.

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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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