Loan Officers in Tennessee
May 2025 wages · tax year 2026
You keep
$52,640
after federal, FICA and Tennessee tax
Tax takes
$10,160
16.2% of the whole
Worth, in national money
$56,899
Tennessee costs less than average
On that salary you would be around the 25th percentile for this work in Tennessee — 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
$62,800
Kept after tax
$52,640
Worth in national money
$56,899
State rank
44
of 51 states
What this pays, and what it is worth
- Tennessee is among the lower-paying states for loan officers. The middle earner takes $62,800, ranking 44 of 51 states — about 18.11% below the national middle. Costs here are often lower too, which the figures further down account for.
- Middle of the local pack. Of 491 occupations Tennessee reports figures for, this is number 170.
- Tennessee is cheaper than average, and that shows up here. From $62,800 the take-home is $52,640; adjusted for what things actually cost, it goes as far as $56,899 would nationally. The average comes to $71,590, above the middle, thanks to the top of the range.
- Tennessee ranks 44 of 51 for loan officers, with a median of $62,800 — about 18.11% 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.
- In Tennessee's occupational distribution, loan officers sits at 170 of 491 — neither quartile. This local position is what a resident compares against, and it is determined by the state's own labor market rather than by national patterns for this occupation.
- Post-tax income for loan officers in Tennessee, on $62,800, is $52,640 — equivalent to $56,899 once regional price parity is applied. ⚠️ The adjustment uses a statewide index that describes no particular address; within-state price variation, concentrated in housing, routinely exceeds the difference between two states. At $71,590 the mean overshoots the median — the usual right-skewed shape.
Compare this career across states
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Pay band: Loan Officers
The state median for this job
| Lowest tenth earn under | $38,240 |
|---|---|
| Half earn under | $62,800 |
| Top tenth earn over | $113,290 |
| This salary | $62,800 |
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 Tennessee | $52,640 |
|---|---|
| Take-home in Texas | $52,640 |
| Once local prices are leveledBEA price parity | −$2,729 |
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 | $62,800 |
|---|---|
| Raise you would need | +$3,300 |
| Prices in Texas | 97 vs 93 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Tennessee earn less than $62,800. The published range is $38,240 up to $113,290, so an individual figure can sit a long way from the middle in either direction.
- One filer, no dependants, no pension contributions — that is the household behind Tennessee's $52,640, worked from $62,800. That is on purpose. It lets states be compared with each other, not with each other's family circumstances. Local city taxes are left out. Locally this work ranks 170 of 491.
- One number stands for prices across all of Tennessee, which is a simplification — big cities cost far more than small towns. Read $56,899, the adjusted value of that $62,800 median, as a way to compare states fairly, not as a quote for any particular place. The two datasets are also from different years. This job sits at 170 of 491 in the state.
- Reported values are medians; for loan officers in Tennessee the tenth-to-ninetieth percentile band is $38,240 to $113,290. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The Tennessee take-home of $52,640, on $62,800 for work ranking 170 of 491 locally, models the simplest household deliberately: holding it constant is what makes the interstate comparison meaningful. It also means the absolute figure overstates liability for most real filers, and municipal income taxes are outside the model entirely. The occupation ranks 170 of 491 in the state.
- Price deflation uses one statewide parity for Tennessee, so $56,899 — the adjusted value of that $62,800 median — establishes comparability between states rather than accuracy within one. The wage and parity series are dated independently, each following its own publication cycle, and neither is projected forward. This occupation sits at 170 of 491 locally.
Questions people ask
Is this the average pay for the job?
No — it is the middle. Half of these workers earn more and half earn less. The average is $71,590, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $38,240, the highest tenth $113,290, and what separates them is experience, employer and what exactly the role does.
What does this pay actually buy where I live?
A smaller wage in a cheaper place is not automatically less. Adjusted for local prices, this is worth $56,899.
Is most of this wage taxed away?
Most of it arrives. $52,640 lands after tax, since there is no state income tax on wages here — though the federal floor is identical in every state.
Can I compare this job across every state?
All 51 jurisdictions report this work, which makes the ranking a like-for-like one.
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 Tennessee is $71,590. 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 ($38,240) and the ninetieth ($113,290) 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?
Tennessee'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 $56,899 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
Why is the take-home ratio comparatively high in this state?
Tennessee levies no personal income tax on wages, so take-home of $52,640 reflects the federal layer and FICA alone. Federal income tax and FICA are unchanged; states without a wage income tax generally recover revenue through consumption and property bases instead.
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.