Employment
84,206
Total employees (Census CBP)
Finance and Insurance ·NAICS 522291
NAICS 522291 · IRS SOI (C corp) · Census CBP 2023
Consumer Lending - Industry Benchmarks
$96,723/yr average annual pay, with 9 SBA loans on record for NAICS 522291.
- 15.4%
- Finance and Insurance sector margin
- 84K
- Workers employed
- $96,723/yr
- Avg payroll / employee
- $5M
- SBA lending, FY20–26
Data updated August 2026
The verdict · NAICS 522291
California leads Consumer Lending activity nationally. IRS SOI doesn't publish margin data at this NAICS level, but the broader Finance and Insurance sector runs a 15.4% net margin.
- 15.4%
- Finance and Insurance sector margin (IRS SOI)
- 84K
- Workers employed (Census CBP)
- $96,723/yr
- Avg payroll / employee
- $5M
- SBA lending, FY20–26
Use Consumer Lending's NAICS benchmark as a comparison point, not a forecast for one business.
Consumer Lending is reported here with financial measures from IRS Statistics of Income and workforce measures from Census County Business Patterns. The page keeps those source systems distinct, shows unavailable fields rather than estimating them, and links the underlying industry context so readers can compare the same NAICS activity before interpreting a margin or payroll figure.
Source: IRS SOI (C corporation headline) and Census County Business Patterns 2023
Benchmarking Insights for Consumer Lending
Consumer Lending sits inside Finance and Insurance, a sector that runs a 15.4% net margin overall.
12,106 establishments employ 84,206 workers (7.0/location) at $96,723/yr average annual pay. California leads employment, followed by Texas and Georgia.
Consumer Lending sits in the 68th percentile for employment among 6-digit NAICS industries with reported data.
Avg Payroll / Employee
$96,723/yr
Annual compensation
Establishments
12,106
Business locations
Release-over-release change
What changed from Census CBP 2022 to 2023
Employment decreased by 1,479; establishment count decreased by 1,739. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.
Subscribe to this industry's release updates (RSS)Workforce scale
Financial Detail
- Annual Payroll (Total)
- $8.1B
- Avg Employees per Establishment
- 7.0
Top States by Employment
| State | Employment |
|---|---|
| California | 13,433 |
| Texas | 9,918 |
| Georgia | 4,266 |
| Indiana | 3,045 |
| New York | 2,856 |
| South Carolina | 2,495 |
| Arizona | 2,372 |
| Pennsylvania | 2,302 |
| North Carolina | 2,004 |
| Alabama | 1,959 |
Showing top 10 of 49 states
SBA Lending Activity
SBA FY2020–2026SBA Loans Approved
9
Total Loan Volume
$5M
Avg Loan Size
$605K
Jobs Supported
59
Program Breakdown
7(a) 9 (100%)
504 0 (0%)
Top SBA Lender
Comerica Bank
2 loans in this industry
New Business Share
22.2% of borrowers were new/startup businesses
Annual Lending Trend (4 yrs)
2021 4
2022 2
2023 2
2024 1
Frequently Asked Questions
How profitable is Consumer Lending?
IRS SOI doesn't publish margin data at the NAICS 522291 level. California leads this industry nationally. The broader Finance and Insurance sector runs a 15.4% net margin (IRS SOI 2013 C corp).
How many businesses are in Consumer Lending?
12,106 business establishments. Together they employ 84,206 workers.
What is the average payroll per employee in Consumer Lending?
$96,723/yr average annual pay per employee. Businesses average 7.0 employees per establishment.
Which states have the most Consumer Lending employment?
California leads with 13,433 workers. Texas (9,918) and Georgia (4,266) round out the top three.
How much SBA lending does Consumer Lending receive?
Consumer Lending businesses received 9 SBA loans totaling $5 million between FY2020 and FY2026. The average loan size was $605K. These loans supported 59 jobs at origination. Most lending (100%) came through the SBA 7(a) program.
Nationwide industries with similar benchmark drivers
Two IRS/Census peer sets for Consumer Lending, both at NAICS level 6 and excluding this code so the neighborhoods are not self-links.
According to Census County Business Patterns 2023, Consumer Lending ranks #253 of 801 U.S. industries at the 6-digit NAICS level by total employment.
Similar workforce scale
Nearest peer industries by ABS(Census employment) (84,206 here).
Read with this industry: Industry employment trends · Finance and Insurance · Rankings
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.
Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023
NAICS 522291 · CBP 2023 · IRS SOI
According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.
Read our methodology - how this data is sourced, computed, and verified.
Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023
Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.