Evaluates loan applications, builds risk models. Charlotte and NYC dominate the market.
Pay scales steeply with tenure for Credit Analysts. National figures, before regional adjustments.
| Experience | Median 2026 | 25th Percentile | 75th Percentile |
|---|---|---|---|
| Entry Level (0–1 yr) | $62,900 | $46,400 | $84,000 |
| Junior (2–4 yrs) | $78,300 | $57,700 | $104,400 |
| Mid-Level (5–9 yrs) | $90,000 | $66,400 | $120,000 |
| Senior (10–14 yrs) | $108,000 | $79,600 | $144,000 |
| Veteran (15+ yrs) | $122,400 | $90,300 | $163,200 |
Top 10 states by median Credit Analyst salary in 2026.
| State | Median | 25th % | 75th % | vs Nat'l |
|---|---|---|---|---|
| California | $126,000 | $95,700 | $163,800 | +40% |
| Washington DC | $126,000 | $95,700 | $163,800 | +40% |
| New York | $121,500 | $92,300 | $157,900 | +35% |
| Massachusetts | $117,000 | $88,900 | $152,100 | +30% |
| Washington | $117,000 | $88,900 | $152,100 | +30% |
| New Jersey | $113,400 | $86,200 | $147,400 | +26% |
| Connecticut | $108,900 | $82,700 | $141,500 | +21% |
| Maryland | $108,000 | $82,100 | $140,400 | +20% |
| Colorado | $105,300 | $80,000 | $136,900 | +17% |
| North Carolina | $103,500 | $78,600 | $134,500 | +15% |
| State | Median | 25th % | 75th % | vs Nat'l |
|---|---|---|---|---|
| Kentucky | $76,500 | $58,100 | $99,400 | -15% |
| North Dakota | $75,600 | $57,400 | $98,300 | -16% |
| Oklahoma | $75,600 | $57,400 | $98,300 | -16% |
| Wyoming | $75,600 | $57,400 | $98,300 | -16% |
| Alabama | $74,700 | $56,800 | $97,100 | -17% |
| Louisiana | $74,700 | $56,800 | $97,100 | -17% |
| Arkansas | $72,000 | $54,700 | $93,600 | -20% |
| South Dakota | $72,000 | $54,700 | $93,600 | -20% |
| Mississippi | $70,200 | $53,300 | $91,200 | -22% |
| West Virginia | $70,200 | $53,300 | $91,200 | -22% |
Metro-level pay frequently outpaces state averages — major metros concentrate higher wages.
Click any state for detailed breakdown by experience level and percentile.
The median is just a benchmark. Your exact market value also depends on your state, experience, and education. Use the free calculator for a personalized number.
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