Bottom quarter
$90K
Mortgage Loan Officer Salary in San Francisco
Base pay and on-target total cash for a quota-carrying role. Calculated from 1M+ data points, refreshed monthly.
Base salary
Median
$144K
Top quarter
$219K
Top 10%
$294K
Total earnings at quota (base + commission)
Bottom quarter
$106K
Median
$169K
Top quarter
$257K
Top 10%
$345K
Adjusted for San Francisco at 1.25× 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 San Francisco pulls a median of $168,750 in total earnings at quota, with a top-quartile band reaching $256,793 and the strongest reps clearing $344,837. Base — your guaranteed floor before commission — sits around $143,750, with the top quarter of base offers landing at $218,750. Total earnings are base + commission at 100% of quota. Pay in San Francisco runs about 25% above the national baseline. The number to anchor on for a counter is $256,793 in total earnings. That's where strong reps land — not where they ceiling.
How to negotiate this
- Anchor$256,793 total earnings — top quarter for reps hitting quota in this market. This is the number you say first.
- Target$212,772 total earnings — where a fair counter lands. Above the middle of the pack, below the anchor.
- Floor$168,750 total earnings — below this, you're under the middle of the market. Walking away gets cheaper than staying.
Carry the math. Not the maybe.
AMMO is the corner man for the conversation that decides your year. Real pay data, an offer grader, and counter language drafted from your numbers. Get on the list before iOS launch.
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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.