Bottom quarter
$69K
Mortgage Loan Officer Salary in Birmingham
Base pay and on-target total cash for a quota-carrying role. Calculated from 1M+ data points, refreshed monthly.
Base salary
Median
$110K
Top quarter
$168K
Top 10%
$226K
Total earnings at quota (base + commission)
Bottom quarter
$81K
Median
$130K
Top quarter
$197K
Top 10%
$265K
Adjusted for Birmingham at 0.96× the national baseline. Total cash assumes 100% of quota — actual earnings vary by attainment. See the math →
What this number means.
Mortgage Loan Officer in Birmingham pulls a median of $129,600 in total earnings at quota, with a top-quartile band reaching $197,217 and the strongest reps clearing $264,835. Base — your guaranteed floor before commission — sits around $110,400, with the top quarter of base offers landing at $168,000. Total earnings are base + commission at 100% of quota. Birmingham's cost-of-living tilt is 0.96× — the band reflects that. If you're up for review, the right ask sits at the top quarter of total earnings: $197,217 (base + commission at quota).
How to negotiate this
- Anchor$197,217 total earnings — top quarter for reps hitting quota in this market. This is the number you say first.
- Target$163,409 total earnings — where a fair counter lands. Above the middle of the pack, below the anchor.
- Floor$129,600 total earnings — below this, you're under the middle of the market. Walking away gets cheaper than staying.
Carry the math. Not the maybe.
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Mortgage Loan Officer elsewhere
Adjacent metros
Read how these numbers are computed →
Numbers are estimates. Your offer depends on the company, the level, the stock piece, and the conversation you're about to have. AMMO is a tool. You are the negotiator.