What Loan Interviewers and Clerks earn in Denton County, TX
If you are weighing a move or a job offer, start with $51,470: the median annual pay for Loan Interviewers and Clerks in Denton County, TX. Spread over a standard 2,080-hour work year, that is $24.75 an hour. Because the wage survey covers the whole Dallas-Fort Worth-Arlington, TX metropolitan area, the number reflects employers across the region rather than a single town or a single company.
The mean wage is $54,620, which is 6.1% above the median, a sign that a group of high earners lifts the average. The survey counts about 6,300 people working in this occupation across the Dallas-Fort Worth-Arlington, TX metropolitan area, so the estimate rests on a substantial pool of workers. Denton County, TX has roughly 979,561 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Loan Interviewers and Clerks in the Dallas-Fort Worth-Arlington, TX metropolitan area is not one number. The lowest-paid tenth of workers earn up to $39,650 a year ($19.06 an hour), while the highest-paid tenth earn $72,060 or more ($34.64 an hour). That is a gap of $32,410 between the bottom and the top of the scale. The middle half of workers falls between $47,920 at the 25th percentile and $61,220 at the 75th percentile. A top-tier earner makes 1.8 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Employers quote this occupation by the hour or by the year, so here are both: $24.75 an hour or $51,470 a year at the median for Denton County, TX. Before any deductions, that is $4,289 a month, $1,980 every two weeks and $990 each week. After taxes the same job pays $20.91 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Loan Interviewers and Clerks
The U.S. Department of Labor's O*NET database describes the work of Loan Interviewers and Clerks this way: "Interview loan applicants to elicit information; investigate applicants' backgrounds and verify references; prepare loan request papers; and forward findings, reports, and documents to appraisal department. Review loan papers to ensure completeness, and complete transactions between loan establishment, borrowers, and sellers upon approval of loan."
Core tasks recorded by O*NET include: "Verify and examine information and accuracy of loan application and closing documents"; "Interview loan applicants to obtain personal and financial data and to assist in completing applications"; "Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts"; "Answer questions and advise customers regarding loans and transactions".
Job outlook for Loan Interviewers and Clerks
The Bureau of Labor Statistics projects national employment in this occupation to shrink from 169,100 jobs in 2025 to 165,000 in 2035, a change of -2.4%, slower than the 3.5% projected for all occupations. The projection counts 10,500 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 6.2% of current employment each year.
Typical entry-level education: high school diploma or equivalent. Typical on-the-job training to reach competency: short-term on-the-job training. BLS lists a national median annual wage of $50,020 for this occupation; the Denton County, TX median of $51,470 is 2.9% above it.
How pay in Denton County, TX compares
Compared with the Texas average
A worker in this occupation in Denton County, TX earns $1,677 more than the Texas average of $49,793, a premium of 3.4%. Over a year that premium is worth $1,677 before tax and roughly $1,417 after tax. Within Texas, Denton County, TX already has the highest median we track for this job.
Compared with the national average
Nationally, Loan Interviewers and Clerks earn an employment-weighted average of $51,109 across the contiguous United States, so $51,470 in Denton County, TX is essentially average. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Denton County, TX
Among the 627 occupations with published wages in Denton County, TX, Loan Interviewers and Clerks ranks number 371 by median pay, ahead of about 41% of them. The best-paying occupation we track here is Airline Pilots, Copilots, and Flight Engineers at $212,810 a year, which is $161,340 more than the median for Loan Interviewers and Clerks.
From gross pay to take-home pay
Three separate tax bills sit between the gross salary and the bank account: federal income tax, FICA, and state income tax. For Loan Interviewers and Clerks earning the Denton County, TX median of $51,470, they add up to $7,985. The result is $43,485 of take-home pay a year ($3,624 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $16 goes to taxes and $84 reaches the paycheck. The overall effective tax rate is 15.5%.
Federal income tax
After the $15,750 standard deduction, taxable income is $35,720. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 12% bracket. The resulting federal income tax is $4,048, an effective 7.9% of gross pay, well below the 12% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $3,191 on this salary. Medicare takes 1.45%, or $746. FICA totals $3,937, which is 7.7% of gross pay.
State income tax in Texas
Texas does not tax wage income, so the state income tax line for Loan Interviewers and Clerks in Denton County, TX is $0. That alone leaves more in the paycheck than the same salary would in a state with an income tax. For scale, a hypothetical flat 5% state tax on this salary would cost about $2,574 a year, so the absence of a state tax is worth roughly $214 a month.
A cross-check with IRS data for Denton County, TX
IRS Statistics of Income data for Denton County, TX show an average adjusted gross income of $118,678 per return and an average effective federal income tax rate of 15.5% across all filers. Filers in the $50,000 to under $75,000 bracket, where this salary falls, paid an average of 7.4%, compared with the 7.9% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Denton County, TX
Take-home pay only means something next to what life costs. We price four basics for one adult in Denton County, TX: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $43,485 of take-home pay.
Rent
Housing is the largest line in most budgets. For Denton County, TX, HUD sets the Fair Market Rent for a one-bedroom unit at $1,536 a month ($18,432 a year), and at $1,807 for two bedrooms. For Loan Interviewers and Clerks, a one-bedroom absorbs 42.4% of take-home pay and 35.8% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 6.7% of gross pay for Loan Interviewers and Clerks in Denton County, TX. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Texas residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,578 a year and other home energy such as natural gas about $719, for $2,297 in total. Gasoline in Texas averages $2.88 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,334.
What is left over
Rent, food, energy and gasoline cost $25,499 a year in Denton County, TX. Subtract that from $43,485 of take-home pay and $17,985 remains, which is $1,499 a month of breathing room. That margin equals 34.9% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Denton County, TX
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Denton County, TX: property taxes, housing prices and the daily commute. The figures below are exact U.S. Census Bureau American Community Survey 2020-2024 5-year estimates for Denton County, TX, set beside the Texas and national medians.
Property taxes in Denton County, TX
Homeowners in Denton County, TX pay a median of $7,055 a year in real estate taxes, 67% above the Texas median of $4,232 and 126% above the U.S. median of $3,119. Against a median home value of $437,200, the median tax bill is 1.61% of that value (the ratio of the two county medians). For a worker paid the local Loan Interviewers and Clerks median of $51,470, a tax bill of that size would equal 13.7% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Denton County, TX
Renters in Denton County, TX pay a median gross rent of $1,728 a month in the Census survey, 23% above the Texas median of $1,403. HUD's Fair Market Rent for a one-bedroom apartment, which this site uses in the budget, is $1,536 a month; the two measures differ because the Census figure covers units of every size that renters already occupy, while the HUD figure is a one-bedroom benchmark. The median value of an owner-occupied home is $437,200, 54% above the Texas median of $283,800. Median household income is $111,498, 42% above the Texas median of $78,476, so a year of one-bedroom Fair Market Rent equals 16.5% of that income.
Commuting in Denton County, TX
Workers in Denton County, TX who travel to a workplace spend an average of 28.1 minutes each way, 5% above the Texas average of 26.7. For someone who commutes five days a week, that is 4.7 hours of round-trip travel every week, a cost the budget does not price. 23.5% of workers in Denton County, TX work from home, compared with 15.1% nationally, which removes the commute for them.
Can Loan Interviewers and Clerks afford to live in Denton County, TX?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $51,470 that ceiling is $1,287 a month. The one-bedroom Fair Market Rent of $1,536 is $249 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $29.54 an hour; the median for Loan Interviewers and Clerks is $24.75, which is 16% below that mark. Another way to see it: at $20.91 of take-home pay an hour, a one-bedroom takes about 17.0 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,807 a month means $904 each. Compared with renting a one-bedroom alone, that saves $7,590 a year. With a roommate, the yearly margin after the basics becomes $25,575.
How fast you can save
At $1,499 a month of margin, building a $10,000 emergency fund would take about 7 months. Setting aside half of the margin stretches the same goal to about 14 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Loan Interviewers and Clerks pay in Denton County, TX
How much do Loan Interviewers and Clerks make per hour in Denton County, TX?
The median is $24.75 per hour, based on $51,470 a year over 2,080 hours. Hourly pay runs from about $19.06 at the 10th percentile to $34.64 at the 90th percentile.
How much do Loan Interviewers and Clerks take home after taxes in Denton County, TX?
After federal income tax, FICA, the median salary of $51,470 becomes $43,485 a year. That is $3,624 a month, $1,672 every two weeks or $836 a week.
How much tax do Loan Interviewers and Clerks pay in Denton County, TX?
Total taxes are $7,985 a year, an effective rate of 15.5%: $4,048 federal income tax, $3,937 FICA and no Texas income tax.
Do Loan Interviewers and Clerks earn more in Denton County, TX than elsewhere in Texas?
Yes. The local median of $51,470 is +3.4% versus the Texas average of $49,793, a difference of $1,677 a year.
Can Loan Interviewers and Clerks afford a one-bedroom apartment in Denton County, TX?
A one-bedroom costs $1,536 a month against take-home pay of $3,624, which is 42.4% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $1,287 a month.
What is the monthly budget margin for Loan Interviewers and Clerks in Denton County, TX?
About $1,499 a month ($17,985 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $25,499 a year.
What hourly wage covers a one-bedroom in Denton County, TX at the 30% guideline?
$29.54 an hour for a full-time schedule, calculated as the $18,432 annual rent divided by 0.30 and by 2,080 hours. The median for Loan Interviewers and Clerks is $24.75.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Dallas-Fort Worth-Arlington, TX metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Texas rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.