Employment
84,206
Total employees (Census CBP)
Finance and Insurance ·NAICS 522291
NAICS 522291 · IRS SOI 2023 · Census CBP
Consumer Lending - Industry Benchmarks
$96,723/yr average annual pay, with 9 SBA loans on record for NAICS 522291.
- 20.1%
- Finance and Insurance sector margin
- 84K
- Workers employed
- $96,723/yr
- Avg payroll / employee
- $5M
- SBA lending, FY20–26
Data updated July 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 20.1% net margin.
- 20.1%
- Finance and Insurance sector margin (IRS SOI)
- 84K
- Workers employed (Census CBP)
- $96,723/yr
- Avg payroll / employee
- $5M
- SBA lending, FY20–26
Benchmarking Insights for Consumer Lending
Consumer Lending sits inside Finance and Insurance, a sector that runs a 20.1% 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.
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.
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 20.1% net margin (IRS SOI 2023).
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.
Comparable industry benchmarks
These links are calculated from the current national dataset. They are comparison paths, not recommendations or evidence that businesses operate alike.
How this ranks: Its Census employment total exceeds 68% of that same 801-industry cohort. Calculated by ranking this industry's reported value against every other industry at the same NAICS digit-level, not the whole dataset: comparing a 6-digit detail industry to a 2-digit sector would mix incompatible scales.
Closest workforce scale
Same NAICS detail level, ordered by the smallest difference in reported Census employment.
Benchmarking Consumer Lending
- No margin data, check the parent industry. Browse Finance and Insurance
- 12,106 establishments, 84,206 workers. Payroll benchmarks
- 9 SBA loans on record. SBA lending 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 · Data year: 2023
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.