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Where is it easiest to open: Consumer Lending
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 |
|---|---|---|---|---|---|
| TX | 2,190 | 4.4 | $66,152 | licence | Title Escrow Officer |
| GA | 746 | 5.4 | $66,604 | not matched | — |
| LA | 665 | 4.0 | $53,961 | not matched | — |
| AL | 642 | 3.0 | $50,527 | not matched | — |
| SC | 627 | 4.0 | $57,550 | not matched | — |
| TN | 609 | 4.7 | $56,235 | not matched | — |
| OK | 587 | 3.1 | $44,287 | licence | Mortgage Loan Originators |
| CA | 576 | 23.3 | $172,728 | licence | California Finance Lender Law; California Residential Mortgage Lendin |
| MO | 450 | 2.8 | $48,885 | not matched | — |
| MS | 443 | 3.7 | $76,652 | not matched | — |
| FL | 387 | 6.7 | $129,276 | licence | Loan Originators; Title Loan Lender |
| NC | 382 | 4.9 | $60,594 | exam | Check Cashing License; Check Cashing Privilege |
| IL | 336 | 12.7 | $85,149 | licence | LOAN BROKERS; OWNER OF CREDIT SERVICES ORGANIZATION |
| KY | 278 | 4.8 | $64,399 | exam | Mortgage Individuals (Loan Officers, M; Specialty Credit Producer and Managing |
| PA | 202 | 10.8 | $88,713 | not matched | — |
| WI | 196 | 5.3 | $53,131 | exam | MORTGAGE BANKER; MORTGAGE BROKER |
| NY | 180 | 13.2 | $116,898 | exam | Mortgage Loan Originator |
| IN | 163 | 18.0 | $68,507 | not matched | — |
| OH | 158 | 8.0 | $101,060 | not matched | — |
| AZ | 148 | 15.8 | $67,492 | licence | Advance Fee Loan Broker; Commercial Mortgage Banker |
| UT | 138 | 16.4 | $94,791 | licence | RESIDENTIAL MORTGAGE LENDER |
| NM | 135 | 5.1 | $43,724 | exam | Licensed Mortgage Loan Companies; Mortgage Loan Originators |
| NV | 118 | 7.1 | $70,510 | not matched | — |
| VA | 113 | 11.3 | $89,785 | not matched | — |
| ID | 104 | 3.3 | $47,686 | exam | Loan Originator Licensees; Mortgage Licensees |
| NJ | 91 | 6.8 | $124,473 | licence | MORTGAGE BANKER AND BROKER |
| MD | 78 | 9.7 | $283,364 | not matched | — |
| WA | 62 | 6.5 | $102,626 | exam | Escrow Agent, Officer; Loan Originator |
| OR | 60 | 7.8 | $61,060 | licence | Escrow Agents; Loan Originators |
| MI | 56 | 10.6 | $80,738 | licence | Loan Originator, Mortgage |
| DE | 53 | 43.6 | $119,022 | licence | Loan Officers and Counselors |
| KS | 39 | 3.3 | $76,141 | exam | Loan Originator |
| CO | 38 | 23.3 | $78,572 | exam | Mortgage Broker; Mortgage Loan Originator |
| MN | 23 | 21.3 | $99,181 | licence | Accelerated Mortgage Payment Provider; Mortgage Loan Originator License |
| MA | 21 | 18.0 | $127,137 | not matched | — |
| IA | 20 | 3.5 | $80,746 | licence | Mortgage Banker/Broker License/Mortgag |
| CT | 12 | 8.2 | $283,469 | not matched | — |
| WV | 11 | 6.5 | $49,292 | not matched | — |
| NE | 10 | 231.4 | $97,448 | licence | Credit Union Loan Officer; Mortgage Loan Originator |
| SD | 8 | 4.0 | $66,500 | not matched | — |
| HI | 7 | 4.6 | $74,750 | not matched | — |
| DC | 6 | 13.2 | $82,709 | not matched | — |
| MT | 6 | 47.8 | $148,822 | licence | Loan Originators; Mortgage Brokers |
| RI | 5 | 11.2 | $60,768 | not matched | — |
| NH | 4 | 29.0 | $78,302 | 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.