Loan Officers in Arkansas
May 2025 wages · tax year 2026
You keep
$56,117
after federal, FICA and Arkansas tax
Tax takes
$14,143
20.1% of the whole
Worth, in national money
$64,869
Arkansas costs less than average
On that salary you would be around the 25th percentile for this work in Arkansas — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$70,260
Kept after tax
$56,117
Worth in national money
$64,869
State rank
36
of 51 states
What this pays, and what it is worth
- Arkansas is among the lower-paying states for loan officers. The middle earner takes $70,260, ranking 36 of 51 states — about 8.38% below the national middle. Costs here are often lower too, which the figures further down account for.
- Within Arkansas this is well-paid work. Of 489 occupations with published figures in the state, loan officers ranks 102 — in the top quarter of everything people do there.
- Cheaper living works in this state's favor. From $70,260 you keep $56,117 after tax, and local prices stretch that to the equivalent of $64,869 at national prices. Averages run higher here, $85,120, since top earners drag the number up.
- Arkansas ranks 36 of 51 for loan officers, with a median of $70,260 — about 8.38% below the national figure. A nominal shortfall is not by itself a real one: lower-paying states frequently carry lower tax and lower price levels, and the adjusted figures below are where that is settled rather than assumed.
- Ranked against every occupation Arkansas publishes a median for, loan officers sits 102 of 489 — the upper quartile of the state's wage distribution. National standing and within-state standing are separate questions, and a job can occupy very different positions on each.
- Retained pay in Arkansas is $56,117 after the full tax stack, from $70,260. Because the state's price level runs below the national average, the price-adjusted equivalent is $64,869 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $85,120 exceeds the median, so the upper tail is doing the work.
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Pay band: Loan Officers
The state median for this job
| Lowest tenth earn under | $39,210 |
|---|---|
| Half earn under | $70,260 |
| Top tenth earn over | $136,500 |
| This salary | $70,260 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in Arkansas | $56,117 |
|---|---|
| Take-home in Texas | $58,258 |
| Once local prices are leveledBEA price parity | −$4,917 |
The raise and the real gain point in opposite directions here.
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $67,217 |
|---|---|
| Raise you would need | +$6,793 |
| Prices in Texas | 97 vs 87 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- A median is the middle, not an offer. Half of loan officers in Arkansas earn under $70,260 and half over. The published range runs $39,210 at the tenth percentile to $136,500 at the ninetieth. Experience and employer move an individual a long way inside that.
- That $56,117 take-home in Arkansas comes from $70,260. It is the no-frills case: single filer, standard deduction, nothing set aside before tax. Real circumstances almost always reduce the tax. City and school-district taxes are not counted at all. Locally the work ranks 102 of 489.
- Two cautions on $64,869, the adjusted value of that $70,260 median. It levels out prices with a single number for all of Arkansas. No actual address matches that. The wage figures and price figures are also from different years. Each is published on its own timetable. This work sits at 102 of 489 locally.
- Figures are distribution medians for loan officers in Arkansas, not entry or offer rates. The published band runs $39,210 to $136,500; within-state dispersion of that width routinely exceeds the dispersion between states, so tenure, employer and metropolitan area predict an individual's pay better than geography does.
- Retained pay of $56,117, from $70,260, assumes a single Arkansas filer with the standard deduction and no elective deferrals. Pre-tax retirement or HSA contributions, dependants and itemized deductions all reduce it further; local income taxes, excluded here, would increase it in the states that levy them. This occupation ranks 102 of 489 locally, and the state ranks 36 of 51 for it.
- This $64,869 adjusted figure, worked from $70,260, rests on a state-level price parity averaging over within-state dispersion larger than much of the between-state dispersion. Wage and price vintages differ by publication schedule. The result is directionally sound and not address-specific, for work at 102 of 489 in the state. The occupation ranks 102 of 489 locally.
Questions people ask
Is this the average pay for the job?
Half earn more than this and half earn less. The average sits at $85,120 because a long tail of high pay lifts it, so the two answer different questions.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $39,210 and the top tenth $136,500 — experience, employer and specialism separate them, and a single figure hides all three.
What does this pay actually buy where I live?
More than the figure suggests. Prices in Arkansas sit below the national level, so take-home here stretches like $64,869 would elsewhere. The wage is the same; the ground it covers is larger.
Where does the difference between the wage and my paycheck go?
Into four separate taxes, not one. Federal income tax, Social Security and Medicare apply everywhere, and Arkansas adds its own income tax on top — which is why $56,117 of this wage survives to your account.
Can I compare this job across every state?
This occupation is published everywhere — all 51 of them — so comparing states measures real differences rather than gaps in the data.
How does the published median differ from the mean for this occupation?
The median is the midpoint of the distribution; the mean for this occupation in Arkansas is $85,120. Wage distributions are right-skewed, so the mean exceeds the median wherever a minority earn substantially more. BLS publishes both because substituting one for the other misstates a typical worker's pay.
What drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($39,210) and the ninetieth ($136,500) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
What is this occupation's price-adjusted compensation in this state?
Arkansas's regional price parity is at or below the national average, so nominal wages understate purchasing power. Take-home deflated by the state price level is $64,869 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
What accounts for the gap between gross wage and take-home here?
Take-home of $56,117 reflects federal income tax, OASDI, Medicare and Arkansas income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Is this occupation's state coverage complete?
State-level estimates are published for all 51 jurisdictions for this occupation, so cross-state comparison is not confounded by suppression. ⚠️ Estimates remain survey-based and carry sampling error; small differences between adjacent states should not be over-read.