Commercial Loan Specialist Salary in the United States
How much does a Commercial Loan Specialist make in the United States?
As of October 01, 2026, the average salary for a Commercial Loan Specialist in the United States is $94,130 per year, which breaks down to an hourly rate of $45.
However, a Commercial Loan Specialist's salary can vary significantly. Here’s a look at the typical salary range:
Top Earners (90th percentile): $114,637
Majority Range (25th-75th percentile): $79,638 to $104,864
Key Factors That Influence Commercial Loan Specialist Salaries
A Commercial Loan Specialist'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 Commercial Loan Specialist Salaries?
Experience is a primary driver of a Commercial Loan Specialist'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:
How Do Commercial Loan Specialist 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 Commercial Loan Specialists. 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: $118,726
San Francisco: $117,426
Oakland: $114,952
San Jose, CA$118,726
San Francisco, CA$117,426
Oakland, CA$114,952
New York, NY$108,381
Paramus, NJ$107,063
Queens Village, NY$107,058
Passaic, NJ$106,969
Bergenfield, NJ$106,960
Stamford, CT$106,753
Huntington, NY$106,714
Newark, NJ$106,019
Bridgeport, CT$105,820
Vallejo, CA$105,633
New Brunswick, NJ$105,595
Petaluma, CA$105,539
Middlesex, NJ$105,360
Somerset, NJ$105,294
Santa Cruz, CA$105,172
Boston, MA$104,597
Monterey, CA$104,267
Seattle, WA$104,052
Santa Rosa, CA$104,033
Los Angeles, CA$104,004
Juneau, AK$103,760
Washington, DC$103,656
Orange, CA$103,321
Santa Ana, CA$103,073
Long Beach, CA$102,978
Anaheim, CA$102,960
Anchorage, AK$102,913
Santa Maria, CA$102,630
Everett, WA$102,611
Danbury, CT$102,280
Bremerton, WA$102,150
Tacoma, WA$101,811
New Suffolk, NY$101,809
Sacramento, CA$101,783
Santa Barbara, CA$101,679
Trenton, NJ$101,576
San Diego, CA$101,576
Brockton, MA$101,472
Fairbanks, AK$101,242
Lompoc, CA$101,002
Lowell, MA$100,925
Ventura, CA$100,908
Nashua, NH$100,889
Stockton, CA$100,879
Modesto, CA$100,192
Poughkeepsie, NY$99,985
Olympia, WA$99,806
Kennewick, WA$99,806
New Haven, CT$99,769
Lawrence, MA$99,430
Hartford, CT$99,336
Riverside, CA$99,317
New Bedford, MA$99,223
Richland, WA$99,223
Bakersfield, CA$99,091
San Bernardino, CA$99,053
New Britain, CT$99,044
Atlantic City, NJ$99,044
New London, CT$99,006
Norwich, CT$98,978
Portsmouth, NH$98,959
Boulder, CO$98,760
Portland, OR$98,630
Worcester, MA$98,620
Minneapolis, MN$98,328
Philadelphia, PA$98,197
Honolulu, HI$97,886
Saint Paul, MN$97,841
Vineland, NJ$97,820
Providence, RI$97,547
Chicago, IL$97,274
Bellingham, WA$97,161
Springfield, MA$97,086
Baltimore, MD$97,058
Chico, CA$96,822
Pittsfield, MA$96,568
Manchester, NH$96,389
Spokane, WA$95,975
Denver, CO$95,966
Albany, NY$95,523
Troy, NY$95,486
Nassau, NY$95,385
Schenectady, NY$95,288
Wilmington, DE$95,213
Burlington, VT$95,081
Salem, OR$95,043
Portland, ME$94,751
Yakima, WA$94,657
Rochester, MN$94,366
Reno, NV$94,318
Fresno, CA$94,318
Milwaukee, WI$94,234
Detroit, MI$94,140
Ann Arbor, MI$94,124
Allentown, PA$94,111
Colorado Springs, CO$93,951
Syracuse, NY$93,904
Carson City, NV$93,904
Houston, TX$93,773
Eugene, OR$93,725
Gary, IN$93,612
Springfield, OR$93,537
Bismarck, ND$93,518
Galveston, TX$93,452
Medford, OR$93,311
Fort Collins, CO$93,274
Concord, NH$93,227
Austin, TX$93,198
Mesa, AZ$93,001
Reading, PA$92,991
Phoenix, AZ$92,982
Dallas, TX$92,954
Saint Cloud, MN$92,863
Madison, WI$92,737
Utica, NY$92,483
Rochester, NY$92,332
Des Moines, IA$92,323
Raleigh, NC$92,313
Atlanta, GA$92,172
Battle Creek, MI$92,144
Salt Lake City, UT$92,116
Lancaster, PA$91,975
Harrisburg, PA$91,843
Kansas City, MO$91,749
Champaign, IL$91,730
Kansas City, KS$91,730
Fort Worth, TX$91,720
Columbus, OH$91,704
Boca Raton, FL$91,683
Pittsburgh, PA$91,645
Richmond, VA$91,608
Indianapolis, IN$91,589
Cleveland, OH$91,579
Las Vegas, NV$91,466
Cincinnati, OH$91,466
Petersburg, VA$91,325
Huntsville, AL$91,184
Lansing, MI$91,121
Lebanon, PA$91,109
Pueblo, CO$91,099
Appleton, WI$91,071
Buffalo, NY$91,033
Dayton, OH$91,005
Racine, WI$90,986
Charlotte, NC$90,977
Saint Louis, MO$90,949
York, PA$90,892
Elkhart, IN$90,892
Gastonia, NC$90,874
Billings, MT$90,852
Beaumont, TX$90,826
Lorain, OH$90,807
Benton Harbor, MI$90,789
Toledo, OH$90,770
Binghamton, NY$90,723
Rock Hill, SC$90,713
Rockford, IL$90,666
Springfield, IL$90,629
Elyria, OH$90,619
Fargo, ND$90,619
Flagstaff, AZ$90,553
Fort Lauderdale, FL$90,497
Duluth, MN$90,440
Miami, FL$90,440
Cheyenne, WY$90,374
Grand Forks, ND$90,374
Bangor, ME$90,167
Cedar Rapids, IA$90,064
Durham, NC$90,024
Louisville, KY$90,017
Grand Rapids, MI$89,998
Hialeah, FL$89,988
Casper, WY$89,857
Scranton, PA$89,744
New Orleans, LA$89,715
Virginia Beach, VA$89,706
Akron, OH$89,659
Peoria, IL$89,537
Sarasota, FL$89,518
Nashville, TN$89,452
Omaha, NE$89,452
Green Bay, WI$89,452
Baton Rouge, LA$89,405
Charleston, SC$89,386
Jamestown, NY$89,339
Davenport, IA$89,339
Tucson, AZ$89,292
Saint Petersburg, FL$89,235
Tampa, FL$89,217
Evansville, IN$89,160
Port Arthur, TX$89,160
Bradenton, FL$89,122
Santa Fe, NM$88,953
Orlando, FL$88,784
Clearwater, FL$88,755
Canton, OH$88,558
La Crosse, WI$88,558
Albuquerque, NM$88,501
Newport News, VA$88,492
High Point, NC$88,464
Ogden, UT$88,426
Corpus Christi, TX$88,351
Norfolk, VA$88,294
Laramie, WY$88,294
Rock Island, IL$88,238
Saginaw, MI$88,219
Jacksonville, FL$88,209
Salisbury, NC$88,191
Boise, ID$88,172
Moline, IL$88,125
Fort Myers, FL$88,096
Memphis, TN$88,078
Tulsa, OK$88,031
Waterloo, IA$87,974
Spartanburg, SC$87,880
Lincoln, NE$87,833
Fort Wayne, IN$87,814
Provo, UT$87,805
Cedar Falls, IA$87,692
San Antonio, TX$87,654
Greensboro, NC$87,616
South Bend, IN$87,607
Savannah, GA$87,503
Muskegon, MI$87,466
Birmingham, AL$87,456
Winston Salem, NC$87,410
Lake Charles, LA$87,183
Anderson, IN$87,165
Lexington, KY$87,136
Augusta, GA$87,108
Greenville, SC$87,108
Lima, OH$87,033
Wichita, KS$87,023
Tuscaloosa, AL$87,023
Columbia, SC$86,939
Springfield, OH$86,920
Asheville, NC$86,769
Bloomington, IN$86,703
Knoxville, TN$86,364
Shreveport, LA$86,355
Wilmington, NC$86,233
Roanoke, VA$86,233
Topeka, KS$86,063
Frankfort, KY$86,053
Oklahoma City, OK$85,988
Chillicothe, OH$85,950
Longview, TX$85,941
Melbourne, FL$85,931
Sioux Falls, SD$85,781
Mobile, AL$85,771
Terre Haute, IN$85,734
Altoona, PA$85,677
Amarillo, TX$85,611
Killeen, TX$85,583
Fayetteville, AR$85,508
Chattanooga, TN$85,480
Sioux City, IA$85,395
Idaho Falls, ID$85,376
Lynchburg, VA$85,301
Gainesville, FL$85,178
Portsmouth, OH$85,131
Little Rock, AR$85,113
Lafayette, LA$85,075
Youngstown, OH$85,075
Daytona Beach, FL$85,018
Clarksville, TN$85,009
Pensacola, FL$85,000
Temple, TX$84,993
Hopkinsville, KY$84,717
Erie, PA$84,698
Florence, SC$84,661
Charleston, WV$84,510
Great Falls, MT$84,463
Macon, GA$84,331
Tallahassee, FL$84,322
Fayetteville, NC$84,303
Waco, TX$84,284
Helena, MT$84,218
Pine Bluff, AR$84,183
Vincennes, IN$84,068
Lubbock, TX$84,030
Alamogordo, NM$83,974
Twin Falls, ID$83,889
Rapid City, SD$83,861
Jackson, MS$83,691
Huntington, WV$83,685
Greenville, MS$83,682
Parkersburg, WV$83,586
Montgomery, AL$83,569
Wichita Falls, TX$83,475
Springfield, MO$83,475
Biloxi, MS$83,428
Monroe, LA$83,333
Johnstown, PA$83,268
Sumter, SC$83,230
Columbus, GA$83,221
Pascagoula, MS$83,042
Abilene, TX$83,042
Kingsport, TN$82,797
Albany, GA$82,797
Gulfport, MS$82,769
Alexandria, LA$82,458
Fort Smith, AR$82,223
El Paso, TX$81,969
Las Cruces, NM$81,545
Harlingen, TX$81,306
Pocatello, ID$81,291
Florence, AL$81,168
Brownsville, TX$81,150
Mcallen, TX$80,952
Dothan, AL$80,820
Columbus, MS$80,261
Altus, OK$79,822
Lawton, OK$79,644
Pierre, SD$79,305
What Skills Can Increase a Commercial Loan Specialist's Salary?
Demanded Skills for the Role:
Analysis (Mentioned in 8.12% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
Cross-Selling (Mentioned in 2% Job Postings): Cross-selling is the action or practice of selling an additional product or service to an existing customer. In practice, businesses define cross-selling in many different ways. Elements that might influence the definition might include the size of the business, the industry sector it operates within and the financial motivations of those required to define the term. The objective of cross-selling can be either to increase the income derived from the client or to protect the relationship with the client or clients. The approach to the process of cross-selling can be varied. Unlike the acquiring of new business, cross-selling involves an element of risk that existing relationships with the client could be disrupted. For that reason, it is important to ensure that the additional product or service being sold to the client or clients enhances the value the client or clients get from the organization.
Bank Secrecy Act (Mentioned in 1.2% Job Postings): The Currency and Foreign Transactions Reporting Act of 1970—which legislative framework is commonly referred to as the "Bank Secrecy Act" (BSA)—requires U.S. financial institutions to assist U.S. government agencies to detect and prevent money laundering.
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 Commercial Loan Specialist's salary.
Negotiating: Can increase your salary by up to 14%.
Client Relationship: Can increase your salary by up to 8%.
Portfolio Management: Can increase your salary by up to 8%.
Commercial Loan Specialist Salary by Industry: Top Paying Sectors
For Commercial Loan Specialist roles, the industry you choose can affect earning potential
by as much as 40% (the gap between the highest and lowest paying industries).
Data shows that the Business Services and Financial Services
sectors offer the strongest compensation, at 20% above the average.
In contrast, Commercial Loan Specialist positions in Edu., Gov't. & Nonprofit or Insurance typically offer lower base pay,
as these industries often view Commercial Loan Specialist as a support function rather than a direct revenue driver.
The top paying industries for a Commercial Loan Specialist
Industry Sector
Average Annual Salary
Average Hourly Rate
Pay vs.Avg
Business Services
$112,956
$54.0
20%
Financial Services
$103,543
$50.0
10%
How Education impacts a Commercial Loan Specialist's Salary?
Your level of education can impact your salary potential.
While many Commercial Loan Specialists enter the field with a Bachelor's Degree 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 Commercial Loan Specialist with a Bachelor's Degree is between
$92,329
and $100,582).
Commercial Loan Specialist Salaries by Degree Level
Understanding how a Commercial Loan Specialist'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 October 01, 2026
$79,638
Average$94,130/year
$104,864
$6,636
Average$7,844/month
$8,739
$1,531
Average$1,810/week
$2,017
$38
Average$45/hour
$50
Annual Salary
Monthly Pay
Weekly Pay
Hourly Wage
75th Percentile
$104,864
$8,739
$2,017
$50
Average
$94,130
$7,844
$1,810
$45
25th Percentile
$79,638
$6,636
$1,531
$38
Salaries of Jobs related to Commercial Loan Specialist
Salaries for a Commercial Loan Specialist can change over time,
reflecting shifts in market demand and the overall economy.
The median salary decreased from $75,179 in 2023
to around $72,051 in 2025,
reflecting changes in demand, location, experience, and the wider economy.
For a detailed analysis of Commercial Loan Specialist salary trends,
.
Average Annual Salary of Commercial Loan Specialist Over Time
$???
$75,179
$73,366
$72,051
$???
$???
2022
2023
2024
2025
2026
2027
Year
Average Annual Salary
2022
View More
2023
$75,179
2024
$73,366
2025
$72,051
2026
View More
2027
View More
Most common benefits for Commercial Loan Specialist
Social Security
401 (k)
Disability
Healthcare
Pension
Time Off (days)
Common company salaries for Commercial Loan Specialist
Here are companies hiring for Commercial Loan Specialist and their salaries, click below for more details.
K$114,295/per year
Kpmg Us LLPBusiness Servicesthe United States
W$114,096/per year
Warner Bros DiscoveryBusiness Servicesthe United States
D$111,927/per year
Dentsu International LtdBusiness Servicesthe United States
G$111,873/per year
GroupM Worldwide IncBusiness Servicesthe United States
C$111,651/per year
CoWorx StaffingBusiness Servicesthe United States
C$110,194/per year
Contemporary Services CorpBusiness Servicesthe United States
S$107,128/per year
Showcase CinemasBusiness Servicesthe United States
A$106,429/per year
Amentum Services IncBusiness Servicesthe United States
A$106,199/per year
Allied Universal Security Services LLCBusiness Servicesthe United States
S$106,104/per year
Sodexo USABusiness Servicesthe United States
J$105,192/per year
JLL TechnologiesBusiness Servicesthe United States
I$104,478/per year
Intact Insurance Group USA LLCBusiness Servicesthe United States
N$101,619/per year
NielsenIQBusiness Servicesthe United States
T$101,470/per year
The Leading Edge AllianceBusiness Servicesthe United States
H$101,308/per year
Honeywell UOPBusiness Servicesthe United States
R$97,720/per year
Reeve & AssociatesBusiness Servicesthe United States
M$97,584/per year
ManpowerGroup Global IncBusiness Servicesthe United States
F$95,980/per year
Financial Sys NcoBusiness Servicesthe United States
A$95,314/per year
Arrow Global LtdBusiness Servicesthe United States
C$94,777/per year
CarMax Enterprise Services LLCBusiness Servicesthe United States
D$94,479/per year
DZConneXBusiness Servicesthe United States
A$93,802/per year
Adecco Staffing, USABusiness Servicesthe United States
R$92,937/per year
Resource MFGBusiness Servicesthe United States
Z$92,774/per year
Zachry Brands IncBusiness Servicesthe United States
G$88,138/per year
Greystar Worldwide LLCBusiness Servicesthe United States
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FAQ about Commercial Loan Specialist
1. What industry pays the highest salary for Commercial Loan Specialist?
The Business Services industry offers the highest average compensation for Commercial Loan Specialist 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.
