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Consumer Lending Officer Salary in the United States

How much does a Consumer Lending Officer make in the United States? As of September 01, 2026, the average salary for a Consumer Lending Officer in the United States is $59,006 per year, which breaks down to an hourly rate of $28.

However, a Consumer Lending Officer's salary can vary significantly. Here's a look at the typical salary range:

  • Top Earners (90th percentile): $78,892
  • Majority Range (25th-75th percentile): $53,913 to $69,415
  • Entry-Level (10th percentile): $49,276
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Check out Consumer Lending Officer Job Openings in the United States

Key Factors That Influence Consumer Lending Officer Salaries

A Consumer Lending Officer's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.

How Experience Level Affects Consumer Lending Officer Salaries?

Experience is a primary driver of a Consumer Lending Officer's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Entry-Level (less than 1 year): $50,974
  • Early Career (1-2 years): $56,838
  • Mid-Level (2-4 years): $66,744
  • Senior-Level (5-8 years): $97,625
  • Expert (over 8 years): $120,434
Job RoleYears of ExperienceAverage Salary
Consumer Loan Officer I less than 1 year $50,974
Consumer Lending Officer 1-2 years $56,838
Consumer Loan Officer III 2-4 years $66,744
Consumer Lending Manager 5-8 years $97,625
Consumer Lending Senior Manager over 8 years $120,434

How Do Consumer Lending Officer Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Consumer Lending Officers. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $65,332.
  • California: $65,084.
  • Massachusetts: $64,216.

Top Paying Cities for Consumer Lending Officer

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $74,424
  • San Francisco: $73,610
  • Oakland: $72,058

Consumer Lending Officer Salary by Industry: Top Paying Sectors

For Consumer Lending Officer roles, the industry you choose can affect earning potential by as much as 70% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Edu., Gov't. & Nonprofit sectors offer the strongest compensation, at 40% above the average. In contrast, Consumer Lending Officer positions in Insurance or Business Services typically offer lower base pay, as these industries often view Consumer Lending Officer as a support function rather than a direct revenue driver.

The top paying industries for a Consumer Lending Officer

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services $82,609 $40.0 40%
Edu., Gov't. & Nonprofit $64,907 $31.0 10%

How Education impacts a Consumer Lending Officer's Salary?

Your level of education can impact your salary potential. While many Consumer Lending Officer professionals enter the field with a high school degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Consumer Lending Officer with a high school is between $50,490 and $53,776.

Consumer Lending Officer Salaries by Degree Level

Typical Education for Consumer Lending Officer
Degree Level % of user with this level of education
No Degree 1.5%
High School 26.3%
Associate's Degree 11.2%
Bachelor's Degree 54.1%
Master's Degree or MBA 6.3%
JD, MD, PhD or Equivalent 0.5%
View as Graph

Consumer Lending Officer Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Consumer Lending Officer's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

  • Hourly
  • Monthly
  • Weekly
  • Yearly
  • Table View
Last Updated on September 01, 2026
$53,913
Average $59,006/year
$69,415
$4,493
Average $4,917/month
$5,785
$1,037
Average $1,135/week
$1,335
$26
Average $28/hour
$33
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $69,415 $5,785 $1,335 $33
Average $59,006 $4,917 $1,135 $28
25th Percentile $53,913 $4,493 $1,037 $26

Most common benefits for Consumer Lending Officer

  • Social Security
  • 401 (k)
  • Disability
  • Healthcare
  • Pension
  • Time Off (days)

Common company salaries for Consumer Lending Officer

Here are companies hiring for Consumer Lending Officer and their salaries, click below for more details.

Find Your Next Consumer Lending Officer Job

Ready to take the next step in your career? Browse thousands of current Consumer Lending Officer job openings on our job board. Use the search bar below to find your perfect match.

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FAQ about Consumer Lending Officer

1. What industry pays the highest salary for Consumer Lending Officer?

The Financial Services industry offers the highest average compensation for Consumer Lending Officer roles, with salaries approximately 40% above the market median.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

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