Salaries › Loan Officer › Kentucky
Loan Officer Salary in Kentucky (2026)
$29.85 per hour · take-home ≈ $49,896/year ($4,158/month) for a single filer
Kentucky ranks 47th of 51 states for Loan Officer pay, with a median about 18% below the national average. Of the 3,940 Loan Officer jobs BLS counts in Kentucky, the typical worker earns $62,090 a year — though pay ranges from $41,620 for newcomers to $124,520 at the top.
Loan Officer pay range in Kentucky
| Percentile | Annual wage | Meaning |
| 10th percentile (entry) | $41,620 | Lowest-paid 10% earn less than this |
| 25th percentile | $47,860 | A quarter earn less |
| Median (50th) | $62,090 | Half earn more, half earn less |
| 75th percentile | $92,990 | Top quarter starts here |
| 90th percentile (top) | $124,520 | Highest-paid 10% earn more than this |
BLS reports 3,940 Loan Officer jobs in Kentucky (occupation code 13-2072, “Loan Officers”).
Gross vs. take-home in Kentucky
A median Loan Officer salary of $62,090 doesn’t all reach your bank account. After federal income tax, Social Security, and Medicare, plus Kentucky state income tax, a single filer keeps about $49,896 — an effective tax rate of 19.6%.
| Gross (median) | $62,090 |
| Federal income tax | −$5,271 |
| Social Security + Medicare | −$4,750 |
| Kentucky state income tax | −$2,173 |
| Take-home (annual) | $49,896 |
| Take-home (monthly) | $4,158 |
Want your exact numbers — married, 401(k), different salary? Use the free Kentucky paycheck calculator on PaycheckTally.
Frequently asked questions
- How much does a Loan Officer make in Kentucky?
- The median Loan Officer salary in Kentucky is $62,090 per year ($29.85 per hour) according to the latest BLS data. The middle 50% earn between $47,860 and $92,990.
- What is the take-home pay for a Loan Officer in Kentucky?
- On the median salary of $62,090, a single filer in Kentucky takes home about $49,896 per year ($4,158 per month) after federal tax, FICA, and state income tax — an effective tax rate of 19.6%.
- How many Loan Officer jobs are there in Kentucky?
- BLS counts 3,940 Loan Officer jobs in Kentucky in the latest survey (May 2025).
Top-paying states for Loan Officers
Other salaries in Kentucky
Sources and methodology
Wage and employment figures: BLS OEWS May 2025 (state file, released April 2026) — the U.S. Bureau of Labor Statistics Occupational Employment and Wage Statistics survey, the most authoritative public salary dataset. Take-home estimate: 2026 federal brackets, FICA, and verified Kentucky state tax rules (single filer, standard deduction, no credits or local taxes). Estimates only — not financial advice.
- BLS OEWS — official occupational wage data.
- PaycheckTally — interactive 2026 take-home calculator for Kentucky.