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Mortgage Loan Officer Salary in Cincinnati, Ohio

Updated 2026-04-05BLS 2024 data — be the first to add a local report

Salary Distribution

BLS 2024
$58,153/ year

Median Mortgage Loan Officer in Cincinnati, OH

$30,324
10th
$36,980
25th
$58,153
Median
$86,000
75th
$104,920
90th

Compensation Breakdown

BLS 2024
Base salary (median)
$58,153
Total compensation (est.)
$66,876
Bonus range
$2,150 – $12,000
Mean salary
$61,642

How This Compares

Cincinnati, OH median
$58,153
Ohio median
$68,972-15.7%
National median
$67,620-14.0%

Cost of living in Cincinnati is 0% below the national average. Salary of $58,153 here is equivalent to $58,153 nationally.

Salary by Experience

0-2 years
$41,870-28.0%
3-5 years
$52,919-9.0%
6-10 years
$65,131+12.0%
10+ years
$80,251+38.0%

Salary by Company Size

Startup (< 100 employees)
$51,175-12.0%
Mid-size (100–5,000)
$58,153
Enterprise (5,000+)
$68,621+18.0%

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Mortgage Loan Officer Salaries in Nearby Cities

Columbus, OH$60,182/yr
Cleveland, OH$57,477/yr
Toledo, OH$67,620/yr
Akron, OH$67,620/yr
Dayton, OH$67,620/yr

Related Jobs in Cincinnati

Financial Analyst$85,149/yr
Accountant$68,697/yr
CPA$68,697/yr
Investment Banker$85,149/yr
Financial Advisor$85,639/yr

Quick Numbers

Hourly (40hr week)$28/hr
Monthly gross$4,846/mo
25th percentile$36,980/yr
75th percentile$86,000/yr

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Market Context

via FRED

Fed Funds Rate

Mar 2026

3.64%

Inflation (CPI)

year-over-year

2.4%+0.04

National Unemployment

Mar 2026

4.3%-0.10

Ohio Unemployment

Dec 2025

4.5%

Avg Hourly Earnings

all private workers

$37.38+$0.09

10yr Treasury

Apr 2026

4.31%

Source: St. Louis Fed (FRED). Updated daily.

Mortgage Loan Officer Salaries by City

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Frequently Asked Questions

What is the average Mortgage Loan Officer salary in Cincinnati?

The median Mortgage Loan Officer salary in Cincinnati is $58,153 per year, with a range from $36,980 at the 25th percentile to $86,000 at the 75th percentile. Total compensation including bonuses typically runs higher — see the breakdown above for the full picture.

How does Mortgage Loan Officer pay in Cincinnati compare to the national average?

Mortgage Loan Officer salaries in Cincinnati are 14% below the national median of $67,620. After adjusting for Cincinnati's cost of living, the purchasing power of that salary is equivalent to roughly $58,153 nationally — which is the number that actually matters when comparing offers across cities.

What factors affect Mortgage Loan Officer salaries in Cincinnati?

In Cincinnati, the biggest drivers are years of experience, company size, and industry vertical. Entry-level Mortgage Loan Officer roles start around $30,324, while senior and staff-level positions at larger employers can reach $104,920 or above. Specialized skills and in-demand tools can also meaningfully shift where you land in the range.

Is Cincinnati a good place for Mortgage Loan Officer jobs?

Cincinnati offers a Mortgage Loan Officer median of $58,153, which is 14% below the US median of $67,620. Whether that makes it a good market depends on your personal cost-of-living equation — Cincinnati is 0% cheaper than the national average, so factor that into your math.

How do I negotiate a higher Mortgage Loan Officer salary?

Start with the data on this page: the 75th percentile for Mortgage Loan Officer in Cincinnati is $86,000, which is a defensible anchor for a negotiation. Come in with a specific number backed by real market data — not a range — and reference your experience tier. If you're above the median, ask for the 75th percentile. If you're already at the 75th, push for total comp improvements like equity or bonus instead.