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Where is it easiest to open: Sales Financing
45 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 | 329 | 22.0 | $117,184 | licence | California Finance Lender Law; California Residential Mortgage Lendin |
| FL | 320 | 11.1 | $98,204 | licence | Loan Originators; Title Loan Lender |
| TX | 256 | 74.4 | $103,694 | licence | Title Escrow Officer |
| NY | 200 | 19.8 | $196,105 | exam | Mortgage Loan Originator |
| IL | 132 | 23.7 | $186,046 | licence | LOAN BROKERS; OWNER OF CREDIT SERVICES ORGANIZATION |
| GA | 109 | 33.9 | $108,050 | not matched | — |
| NJ | 104 | 14.4 | $143,963 | licence | MORTGAGE BANKER AND BROKER |
| AZ | 91 | 30.7 | $88,164 | licence | Advance Fee Loan Broker; Commercial Mortgage Banker |
| NC | 91 | 16.1 | $131,856 | exam | Check Cashing License; Check Cashing Privilege |
| PA | 86 | 37.1 | $126,246 | not matched | — |
| OH | 79 | 18.5 | $89,380 | not matched | — |
| MI | 77 | 49.9 | $151,181 | licence | Loan Originator, Mortgage |
| MA | 64 | 29.7 | $176,491 | not matched | — |
| UT | 58 | 66.5 | $85,838 | licence | RESIDENTIAL MORTGAGE LENDER |
| WA | 57 | 27.2 | $108,918 | exam | Escrow Agent, Officer; Loan Originator |
| SC | 50 | 50.9 | $70,112 | not matched | — |
| VA | 45 | 18.2 | $129,636 | not matched | — |
| IN | 42 | 47.5 | $82,027 | not matched | — |
| CT | 42 | 15.9 | $171,988 | not matched | — |
| CO | 41 | 5.3 | $123,779 | exam | Mortgage Broker; Mortgage Loan Originator |
| TN | 40 | 44.4 | $120,974 | not matched | — |
| MD | 39 | 7.2 | $126,032 | not matched | — |
| MN | 38 | 13.8 | $114,713 | licence | Accelerated Mortgage Payment Provider; Mortgage Loan Originator License |
| MO | 32 | 6.2 | $105,056 | not matched | — |
| OK | 31 | 5.5 | $64,291 | licence | Mortgage Loan Originators |
| AR | 27 | 8.9 | $51,473 | licence | Loan Officer; Mortgage Broker, Mortgage Banker, Mort |
| NV | 27 | 16.1 | $97,278 | not matched | — |
| AL | 27 | 5.4 | $108,836 | not matched | — |
| WI | 23 | 13.8 | $94,801 | exam | MORTGAGE BANKER; MORTGAGE BROKER |
| KS | 22 | 7.4 | $97,086 | exam | Loan Originator |
| IA | 22 | 134.5 | $108,840 | licence | Mortgage Banker/Broker License/Mortgag |
| OR | 18 | 57.9 | $73,641 | licence | Escrow Agents; Loan Originators |
| KY | 17 | 11.3 | $126,052 | exam | Mortgage Individuals (Loan Officers, M; Specialty Credit Producer and Managing |
| NH | 14 | 14.1 | $180,939 | not matched | — |
| ID | 13 | 8.2 | $100,943 | exam | Loan Originator Licensees; Mortgage Licensees |
| NE | 13 | 14.8 | $66,849 | licence | Credit Union Loan Officer; Mortgage Loan Originator |
| MS | 13 | 3.2 | $50,357 | not matched | — |
| RI | 11 | 9.5 | $143,827 | not matched | — |
| DE | 11 | 10.1 | $198,847 | licence | Loan Officers and Counselors |
| SD | 10 | 7.9 | $81,937 | not matched | — |
| LA | 9 | 24.0 | $105,370 | not matched | — |
| DC | 6 | 8.8 | $113,547 | not matched | — |
| NM | 5 | 5.2 | $82,769 | exam | Licensed Mortgage Loan Companies; Mortgage Loan Originators |
| ME | 4 | 4.8 | $102,737 | not matched | — |
| ND | 3 | 5.7 | $214,235 | not matched | — |
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.