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Texas / Department of Housing and Community Affairs / Loan Specialist III

Job-title file

Loan Specialist III

Coordinate and deliver a specific program area, supporting planning, outreach, and daily operations.

4 employees hold this title in Department of Housing and Community Affairs. Median total compensation for the role is $80,115, above the department median of $76,538.

Employees
4
Total payroll
$314K
Role median
$80,115
Agency median
$76,538
Comparison
Above

Compared with the local labor market

Loan Specialist III pay vs. Texas

Across all employers in Texas, the median wage for Loan Officers — about 21,200 people — is $66,370. Department of Housing and Community Affairs pays a median base salary of $72,343 for this role, 9% above that figureabout the 55th percentile of local pay for the occupation.

Where Department of Housing and Community Affairs sits in the local pay range

10th
25th
Median
75th
90th
$34,150
$48,030
$66,370
$95,770
$135,280
Department of Housing and Community Affairs median · $72,343

The bar is the range of annual wages for Loan Officers across every employer in Texas, from the 10th to the 90th percentile, with the middle 50% highlighted. The marker shows Department of Housing and Community Affairs’s median base salary for this role. Both figures are base pay only.

And across the country

Nationwide, the median wage for Loan Officers — about 274,330 people — is $76,690. Department of Housing and Community Affairs’s median base salary is 6% below that national figure, about the 45th percentile of pay for the occupation nationally.

10th
25th
Median
75th
90th
$39,430
$52,730
$76,690
$104,080
$153,180
Department of Housing and Community Affairs median · $72,343

Local and national wages differ for reasons beyond how well a job pays — cost of living, the mix of employers, and local demand for the occupation all move the Texas range relative to the national one.

Median total compensation for this role at Department of Housing and Community Affairs is $72,343, which includes overtime and employer-paid benefits. The benchmark above excludes both, so total compensation is deliberately not compared against it.

Benchmark: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (May 2025). BLS Occupational Employment and Wage Statistics (OEWS) covers all employers in the area — private, non-profit, and government alike — so this is a comparison against the whole local labor market for the occupation, not against private-sector pay. OEWS wages are straight-time pay and exclude overtime, shift differentials, and employer-paid benefits, so the government figure shown here is base pay on the same basis. Total compensation is not comparable to it. Job titles are matched to the closest standard occupation, so the comparison is between similar work rather than an identical job classification.

Compare departments

This role across Texas

Loan Specialist III is held in 4 Texas departments. In Department of Housing and Community Affairs, the median of $80,115 ranks #2 of 4.

Highest-paying departments for this role

Median total compensation for the Loan Specialist III role in other Texasdepartments (highest first). Each bar links to that department’s page for this role.

Compare jurisdictions

Loan Specialist beyond Texas

This role is reported in 2 jurisdictions. In Texas, the median of $74,429 ranks #2 of 2. See Loan Specialist across all of Texas

Highest-paying jurisdictions for this role

Median total compensation for comparable Loan Specialistroles in other jurisdictions. Titles are matched by normalized name across sources, not identical job classification, and pay is not cost-of-living adjusted. Each bar links to that jurisdiction’s page for the role.

Record list

Employees with this title

Page 1

Melissa Whitehead

Loan Specialist III/Department of Housing and Community Affairs

2026 total comp
$83,783
Base pay
$83,783
Overtime
$0
Other pay
$0
Benefits
$0
Total compensation
$83,783
Employment type
Crf - Classified Regular Full-Time
Full-time equivalent (FTE)
1
Middle name
M

Source-specific fields

Class Code
1262
Hire Date
Nov 5, 2001
Monthly Pay
$6,982
State Employee Number
52392

At Department of Housing and Community Affairs, Melissa Whitehead serves as a Loan Specialist III. They work crf - classified regular full-time. Their 2026 pay totaled $83,783.

Ramona Fowler

Loan Specialist III/Department of Housing and Community Affairs

2026 total comp
$80,850
Base pay
$80,850
Overtime
$0
Other pay
$0
Benefits
$0
Total compensation
$80,850
Employment type
Crf - Classified Regular Full-Time
Full-time equivalent (FTE)
1
Middle name
M

Source-specific fields

Class Code
1262
Hire Date
Mar 3, 2008
Monthly Pay
$6,738
State Employee Number
164864

Ramona Fowler holds the role of Loan Specialist III at Department of Housing and Community Affairs. Their status is crf - classified regular full-time. In 2026, their total compensation was $80,850.

Denise Phinney

Loan Specialist III/Department of Housing and Community Affairs

2026 total comp
$79,380
Base pay
$79,380
Overtime
$0
Other pay
$0
Benefits
$0
Total compensation
$79,380
Employment type
Crf - Classified Regular Full-Time
Full-time equivalent (FTE)
1

Source-specific fields

Class Code
1262
Hire Date
Aug 8, 2022
Monthly Pay
$6,615
State Employee Number
1481506

Denise Phinney holds the role of Loan Specialist III at Department of Housing and Community Affairs. Their status is crf - classified regular full-time. In 2026, their total compensation was $79,380.

Jennifer Escobedo

Loan Specialist III/Department of Housing and Community Affairs

2026 total comp
$70,000
Base pay
$70,000
Overtime
$0
Other pay
$0
Benefits
$0
Total compensation
$70,000
Employment type
Crf - Classified Regular Full-Time
Full-time equivalent (FTE)
1

Source-specific fields

Class Code
1262
Hire Date
Sep 23, 2024
Monthly Pay
$5,833
State Employee Number
1733046

At Department of Housing and Community Affairs, Jennifer Escobedo serves as a Loan Specialist III. They work crf - classified regular full-time. Their 2026 pay totaled $70,000.