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Mortgage Loan Officer Salary in Houston, Texas

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

Salary Distribution

BLS 2024
$40/ year

Median Mortgage Loan Officer in Houston, TX

$21
10th
$25
25th
$40
Median
$59
75th
$72
90th

Compensation Breakdown

BLS 2024
Base salary (median)
$40
Total compensation (est.)
$46
Bonus range
$2,150 – $12,000
Mean salary
$42

How This Compares

Houston, TX median
$40
Texas median
$68,972-99.9%
National median
$67,620-99.9%

Cost of living in Houston is 3% below the national average. Salary of $40 here is equivalent to $41 nationally.

Salary by Experience

0-2 years
$29-27.5%
3-5 years
$36-10.0%
6-10 years
$45+12.5%
10+ years
$55+37.5%

Salary by Company Size

Startup (< 100 employees)
$35-12.5%
Mid-size (100–5,000)
$40
Enterprise (5,000+)
$47+17.5%

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Mortgage Loan Officer Salaries in Nearby Cities

San Antonio, TX$67,620/yr
Dallas, TX$73,030/yr
Austin, TX$79,792/yr
Fort Worth, TX$67,620/yr
El Paso, TX$55,448/yr

Related Jobs in Houston

Financial Analyst$96,040/yr
Accountant$77,484/yr
CPA$77,484/yr
Investment Banker$96,040/yr
Financial Advisor$96,593/yr

Quick Numbers

Hourly (40hr week)$0/hr
Monthly gross$3/mo
25th percentile$25/yr
75th percentile$59/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

Texas Unemployment

Dec 2025

4.3%+0.10

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 Houston?

The median Mortgage Loan Officer salary in Houston is $40 per year, with a range from $25 at the 25th percentile to $59 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 Houston compare to the national average?

Mortgage Loan Officer salaries in Houston are 100% below the national median of $67,620. After adjusting for Houston's cost of living, the purchasing power of that salary is equivalent to roughly $41 nationally — which is the number that actually matters when comparing offers across cities.

What factors affect Mortgage Loan Officer salaries in Houston?

In Houston, the biggest drivers are years of experience, company size, and industry vertical. Entry-level Mortgage Loan Officer roles start around $21, while senior and staff-level positions at larger employers can reach $72 or above. Specialized skills and in-demand tools can also meaningfully shift where you land in the range.

Is Houston a good place for Mortgage Loan Officer jobs?

Houston offers a Mortgage Loan Officer median of $40, which is 100% below the US median of $67,620. Whether that makes it a good market depends on your personal cost-of-living equation — Houston is 3% 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 Houston is $59, 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.