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MODELED MONTHLY SURPLUS

Top 20 cities for Loan Officers

This ranking uses a modeled monthly surplus, not salary alone. It estimates take-home pay, housing, and local standard expenses so you can compare the same defined measure across cities.

Direct BLS match to SOC 13-2072 Loan Officers.

What the modeled surplus includes

Modeled 2026 monthly surplus = modeled monthly take-home pay - estimated mortgage - fixed standard expenses ($2,200/month in every metro). It is a comparison model, not your personal cash-after-rent result.

#1

Wichita, KS

MSA Pop: 0.6M
Modeled 2026 monthly surplus
$3,162
Modeled 2026 Gross Salary
$101,649
BEA 2024 RPP
88.9
Est. Mortgage
$944/mo
#2

New Haven, CT

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$2,468
Modeled 2026 Gross Salary
$101,403
BEA 2024 RPP
104.6
Est. Mortgage
$1,625/mo
#3

Minneapolis, MN

MSA Pop: 3.7M
Modeled 2026 monthly surplus
$2,365
Modeled 2026 Gross Salary
$104,755
BEA 2024 RPP
104.8
Est. Mortgage
$1,782/mo
#4

Rochester, NY

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$2,122
Modeled 2026 Gross Salary
$84,337
BEA 2024 RPP
97.0
Est. Mortgage
$1,022/mo
#5

Tulsa, OK

MSA Pop: 1.0M
Modeled 2026 monthly surplus
$1,971
Modeled 2026 Gross Salary
$81,057
BEA 2024 RPP
89.2
Est. Mortgage
$1,022/mo
#6

Cleveland, OH

MSA Pop: 2.0M
Modeled 2026 monthly surplus
$1,897
Modeled 2026 Gross Salary
$79,673
BEA 2024 RPP
93.9
Est. Mortgage
$1,022/mo
#7

Milwaukee, WI

MSA Pop: 1.6M
Modeled 2026 monthly surplus
$1,874
Modeled 2026 Gross Salary
$85,751
BEA 2024 RPP
96.9
Est. Mortgage
$1,363/mo
#8

Kansas City, MO

MSA Pop: 2.2M
Modeled 2026 monthly surplus
$1,758
Modeled 2026 Gross Salary
$84,388
BEA 2024 RPP
92.5
Est. Mortgage
$1,415/mo
#9

Omaha, NE

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$1,750
Modeled 2026 Gross Salary
$82,308
BEA 2024 RPP
91.9
Est. Mortgage
$1,311/mo
#10

Buffalo, NY

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$1,704
Modeled 2026 Gross Salary
$78,074
BEA 2024 RPP
95.8
Est. Mortgage
$1,101/mo
#11

Columbus, OH

MSA Pop: 2.1M
Modeled 2026 monthly surplus
$1,696
Modeled 2026 Gross Salary
$84,214
BEA 2024 RPP
95.5
Est. Mortgage
$1,468/mo
#12

Akron, OH

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$1,689
Modeled 2026 Gross Salary
$73,882
BEA 2024 RPP
93.4
Est. Mortgage
$917/mo
#13

Detroit, MI

MSA Pop: 4.3M
Modeled 2026 monthly surplus
$1,680
Modeled 2026 Gross Salary
$78,167
BEA 2024 RPP
100.3
Est. Mortgage
$1,179/mo
#14

Pittsburgh, PA

MSA Pop: 2.3M
Modeled 2026 monthly surplus
$1,664
Modeled 2026 Gross Salary
$75,194
BEA 2024 RPP
94.7
Est. Mortgage
$1,101/mo
#15

Hartford, CT

MSA Pop: 1.2M
Modeled 2026 monthly surplus
$1,646
Modeled 2026 Gross Salary
$85,239
BEA 2024 RPP
102.7
Est. Mortgage
$1,573/mo
#16

St. Louis, MO

MSA Pop: 2.8M
Modeled 2026 monthly surplus
$1,587
Modeled 2026 Gross Salary
$76,373
BEA 2024 RPP
95.1
Est. Mortgage
$1,153/mo
#17

Lakeland, FL

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$1,547
Modeled 2026 Gross Salary
$77,285
BEA 2024 RPP
97.1
Est. Mortgage
$1,520/mo
#18

Des Moines, IA

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$1,534
Modeled 2026 Gross Salary
$78,310
BEA 2024 RPP
99.4
Est. Mortgage
$1,311/mo
#19

Indianapolis, IN

MSA Pop: 2.1M
Modeled 2026 monthly surplus
$1,485
Modeled 2026 Gross Salary
$76,660
BEA 2024 RPP
95.7
Est. Mortgage
$1,363/mo
#20

McAllen, TX

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$1,390
Modeled 2026 Gross Salary
$63,037
BEA 2024 RPP
85.9
Est. Mortgage
$813/mo