Loan Officers in Washington
May 2025 wages · tax year 2026
You keep
$65,194
after federal, FICA and Washington tax
Tax takes
$14,926
18.6% of the whole
Worth, in national money
$60,053
Washington costs more than average
On that salary you would be around the 25th percentile for this work in Washington — 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
$80,120
Kept after tax
$65,194
Worth in national money
$60,053
State rank
17
of 51 states
What this pays, and what it is worth
- This is a good state for the work. Washington pays loan officers a middle wage of $80,120, ranking 17 of 51 states and sitting about 4.47% above the national middle.
- Ordinary, locally speaking. Loan officers ranks 190 among 493 occupations Washington publishes pay for.
- Washington is an expensive state, and the adjusted figure shows it. From $80,120 the take-home is $65,194; in national-average money that behaves like $60,053. The average comes to $94,320, above the middle, thanks to the top of the range.
- Washington's median for loan officers is $80,120, about 4.47% above the national figure and 17 of 51 states reporting. Whether that premium reaches the worker depends on the two adjustments below, which is the part a wage table cannot tell you.
- Position 190 of 493 in Washington places loan officers in the middle of the state's wage distribution. Because within-state and cross-state rankings measure different things, this figure and the national one above should be read together rather than as a single verdict.
- Take-home for loan officers in Washington, on $80,120, is $65,194; deflated by the state's price level, $60,053. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $94,320 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 | $39,000 |
|---|---|
| Half earn under | $80,120 |
| Top tenth earn over | $162,240 |
| This salary | $80,120 |
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 Washington | $65,194 |
|---|---|
| Take-home in Texas | $65,194 |
| Once local prices are leveledBEA price parity | +$7,037 |
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 | $80,120 |
|---|---|
| You could take a cut of | −$9,720 |
| Prices in Texas | 97 vs 109 |
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 Washington earn under $80,120 and half over. The published range runs $39,000 at the tenth percentile to $162,240 at the ninetieth. Experience and employer move an individual a long way inside that.
- That $65,194 take-home in Washington comes from $80,120. 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 190 of 493.
- Two cautions on $60,053, the adjusted value of that $80,120 median. It levels out prices with a single number for all of Washington. 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 190 of 493 locally.
- Figures are distribution medians for loan officers in Washington, not entry or offer rates. The published band runs $39,000 to $162,240; 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 $65,194, from $80,120, assumes a single Washington 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 190 of 493 locally, and the state ranks 17 of 51 for it.
- This $60,053 adjusted figure, worked from $80,120, 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 190 of 493 in the state. The occupation ranks 190 of 493 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $94,320, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $39,000 and the top tenth $162,240 — experience, employer and specialism separate them, and a single figure hides all three.
Does a bigger number here mean I am better off?
A larger wage in a dearer place is not automatically more. Adjusted for local prices, this pay behaves like $60,053 of national purchasing power.
Is most of this wage taxed away?
Most of it arrives. $65,194 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?
Yes for this one. Pay is published in all 51 jurisdictions, so a state-to-state comparison here rests on the same survey everywhere rather than on a patchwork.
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 Washington is $94,320. 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 ($39,000) and the ninetieth ($162,240) 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.
How does the state price level affect real compensation?
Washington's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $60,053 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
Why is the take-home ratio comparatively high in this state?
Washington levies no personal income tax on wages, so take-home of $65,194 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.