BLS metro-level wage data places Loan Officers pay in St. Joseph, MO-KS at a median of $63,080 per year ($30.33/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $76,690, St. Joseph pays 18% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 80 loan officerss are employed across the St. Joseph MSA in SOC 13-2072.

The St. Joseph pay distribution spans from $37,510 at the 10th percentile to $133,740 at the 90th — a 3.6× spread that reflects experience tenure, specialization, employer size, and the difference between public-sector, nonprofit, and private-sector compensation inside the metro. The 25th percentile sits at $48,250 and the 75th at $94,270, so half of St. Joseph-based loan officerss earn within that middle band.

Metro figures capture where you actually work, not just where you live — which matters for commuters. BLS draws metro boundaries from the OMB MSA definitions, so St. Joseph, MO-KS covers the central city plus outlying counties tied to the metro economically. Remember that OEWS wages reflect base pay only: employer-provided health insurance, retirement matches, stock options, signing bonuses, overtime, and tips are excluded and can add 20-40% to real total compensation. Before using this metro median as a negotiation anchor, triangulate against the same occupation's national profile (linked below), its state-wide MO data, and peer-metro comparisons — a median is a starting point, not a ceiling.