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As of August 01, 2026, the average salary for a Mortgage Officer in California is $57,234 per year, which breaks down to an hourly rate of $28.
However, a Mortgage Officer's salary can vary significantly. Here’s a look at the typical salary range:
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Mortgage Officer Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $62,521 | $5,210 | $1,202 | $30 |
| Average | $57,234 | $4,769 | $1,101 | $28 |
| 25th Percentile | $51,136 | $4,261 | $983 | $25 |
GrowthWise Search Partners - Rocklin, CA
CrossCountry Mortgage - San Diego, CA
Button Finance, Inc - Irvine, CA
East West Bancorp - Pasadena, CA
A Mortgage 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 Mortgage 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 Mortgage Officer | $55,722 |
| Intermediate Level Mortgage Officer | $56,845 |
| Senior Level Mortgage Officer | $58,555 |
| Specialist Level Mortgage Officer | $58,789 |
| Expert Level Mortgage Officer | $59,177 |
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 Mortgage 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 Mortgage 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 | $62,521 | $5,210 | $1,202 | $30 |
| Average | $57,234 | $4,769 | $1,101 | $28 |
| 25th Percentile | $51,136 | $4,261 | $983 | $25 |
Ready to take the next step in your career? Browse thousands of current Mortgage Officer job openings on our job board. Use the search bar below to find your perfect match.
Sun West Mortgage-Since 1980
Cerritos, CA
Sun West Mortgage-Since 1980 | Cerritos, CA
Job Description. Job Description. LOAN OFFICER SUPERSTARS ONLY – $70K to $250K. Don’t even call unless you are a truly awesome salesperson. You have a burn... more
5 Days Ago
The Valentino Group
San Francisco, CA
The Valentino Group | San Francisco, CA
Our Client is a full-service real estate and mortgage brokerage based in the San Francisco Bay Area, blending deep lending expertise with a modern, tech-en... more
7 Days Ago
Zillow Referrals
Irvine, CA
Zillow Referrals | Irvine, CA
About the Team. At Zillow Home Loans, we're at the forefront of revolutionizing the home financing experience. As part of Zillow Group's FinTech division, ... more
7 Days Ago
California Credit Union
San Diego, CA
California Credit Union | San Diego, CA
Job Description. Job Description. General Summary. Under general supervision, complete the full cycle of mortgage loan application from receipt of loan app... more
4 Days Ago
California Credit Union
Glendale, CA
California Credit Union | Glendale, CA
Job Description. Job Description. General Summary. Under general supervision, complete the full cycle of mortgage loan application from receipt of loan app... more
4 Days Ago
Rocket Companies
Lake Forest, CA
Rocket Companies | Lake Forest, CA
Mortgage Loan Officer Opportunity At Rocket Mortgage. Do you have experience as an NMLS Licensed Loan Officer. Are you a driven self-starter with a passion... more
4 Days Ago
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