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Where is it easiest to open: Credit Unions
51 states, side by side. Operator counts and wages from Census and BLS; licence records matched on “SOC 13-2072” (soc) for Loan Officers. A blank gate means NO RECORD MATCHED, which is not the same as no licence.
| State | Operators | Avg staff | Pay / employee | Gate | Licence titles matched |
|---|---|---|---|---|---|
| CA | 1,474 | 21.5 | $88,469 | licence | California Finance Lender Law; California Residential Mortgage Lendin |
| TX | 1,402 | 19.4 | $70,737 | licence | Title Escrow Officer |
| MI | 1,050 | 16.6 | $64,109 | licence | Loan Originator, Mortgage |
| FL | 1,045 | 27.5 | $73,852 | licence | Loan Originators; Title Loan Lender |
| NY | 867 | 18.1 | $75,250 | exam | Mortgage Loan Originator |
| PA | 791 | 13.7 | $67,014 | not matched | — |
| OH | 598 | 14.5 | $63,812 | not matched | — |
| WA | 594 | 21.5 | $88,815 | exam | Escrow Agent, Officer; Loan Originator |
| NC | 558 | 21.3 | $68,950 | exam | Check Cashing License; Check Cashing Privilege |
| WI | 556 | 20.2 | $65,527 | exam | MORTGAGE BANKER; MORTGAGE BROKER |
| IN | 543 | 14.2 | $63,298 | not matched | — |
| IL | 502 | 17.3 | $73,214 | licence | LOAN BROKERS; OWNER OF CREDIT SERVICES ORGANIZATION |
| VA | 453 | 40.4 | $101,293 | not matched | — |
| MA | 444 | 16.9 | $73,935 | not matched | — |
| TN | 442 | 14.5 | $66,170 | not matched | — |
| UT | 435 | 21.3 | $61,327 | licence | RESIDENTIAL MORTGAGE LENDER |
| AL | 411 | 14.7 | $63,845 | not matched | — |
| GA | 358 | 17.0 | $72,434 | not matched | — |
| OR | 353 | 21.4 | $84,645 | licence | Escrow Agents; Loan Originators |
| LA | 335 | 12.5 | $58,889 | not matched | — |
| MN | 325 | 16.4 | $73,632 | licence | Accelerated Mortgage Payment Provider; Mortgage Loan Originator License |
| SC | 323 | 15.6 | $66,026 | not matched | — |
| CO | 315 | 19.5 | $82,035 | exam | Mortgage Broker; Mortgage Loan Originator |
| AZ | 292 | 18.6 | $76,356 | licence | Advance Fee Loan Broker; Commercial Mortgage Banker |
| MO | 273 | 13.9 | $59,294 | not matched | — |
| MD | 264 | 20.4 | $82,485 | not matched | — |
| IA | 249 | 16.3 | $71,113 | licence | Mortgage Banker/Broker License/Mortgag |
| NJ | 239 | 10.4 | $73,526 | licence | MORTGAGE BANKER AND BROKER |
| ID | 229 | 17.0 | $65,702 | exam | Loan Originator Licensees; Mortgage Licensees |
| CT | 203 | 10.9 | $68,688 | not matched | — |
| OK | 199 | 19.0 | $62,124 | licence | Mortgage Loan Originators |
| ME | 193 | 12.6 | $64,636 | not matched | — |
| KY | 169 | 14.9 | $66,018 | exam | Mortgage Individuals (Loan Officers, M; Specialty Credit Producer and Managing |
| KS | 161 | 18.8 | $63,987 | exam | Loan Originator |
| HI | 154 | 15.1 | $67,351 | not matched | — |
| MS | 152 | 11.9 | $58,435 | not matched | — |
| NM | 131 | 24.3 | $68,127 | exam | Licensed Mortgage Loan Companies; Mortgage Loan Originators |
| NV | 120 | 12.7 | $67,515 | not matched | — |
| NH | 114 | 18.1 | $75,547 | not matched | — |
| WV | 111 | 8.3 | $49,219 | not matched | — |
| NE | 101 | 16.3 | $65,219 | licence | Credit Union Loan Officer; Mortgage Loan Originator |
| MT | 95 | 13.5 | $58,757 | licence | Loan Originators; Mortgage Brokers |
| AR | 88 | 9.7 | $58,253 | licence | Loan Officer; Mortgage Broker, Mortgage Banker, Mort |
| AK | 86 | 24.5 | $73,806 | licence | Mortgage Brokers, Mortgage Lenders and |
| ND | 81 | 10.2 | $71,981 | not matched | — |
| RI | 79 | 12.7 | $72,734 | not matched | — |
| VT | 75 | 17.3 | $71,938 | not matched | — |
| DC | 73 | 15.1 | $91,326 | not matched | — |
| SD | 64 | 17.1 | $65,649 | not matched | — |
| DE | 52 | 9.4 | $57,446 | licence | Loan Officers and Counselors |
| WY | 50 | 16.6 | $59,537 | exam | MORTGAGE LOAN ORIGINATORS |
Axes are shown side by side and deliberately NOT collapsed into a ranking. A composite would be a score with no measured interval, and an unmeasured score is the thing this product exists to argue against. A high licence gate is a cost to enter and a moat once cleared — which of those matters more is the operator's call, not ours.
Licence data courtesy of CareerOneStop, sponsored by the U.S. Department of Labor. Free to read, no account, always — a condition of the data licence as well as our own position.