Business phone system for mortgage and nonmortgage loan brokers

Mortgage and nonmortgage loan brokers in the United States

County Business Patterns counted 9,792 mortgage and nonmortgage loan brokers in the U.S. in 2023 (NAICS 522310, Mortgage and Nonmortgage Loan Brokers). They employed 54,952 people in mid-March and paid $4.9 billion in annual payroll. The average establishment has 5.6 employees. That is 2.9 establishments for every 100,000 residents.

California has the most (2,433), followed by Florida (1,130), Texas (591), and Arizona (446). Relative to population, Utah leads with 7.3 per 100,000 residents, and West Virginia has the fewest at 0.5.

Why the phone matters for mortgage and nonmortgage loan brokers

Loan brokers live on responsiveness: borrowers call while house hunting, and agents call to check on approvals before offers. Calls missed during a rate-sensitive moment can cost a deal.

Calls mortgage and nonmortgage loan brokers commonly handle:

• A borrower calls to ask about pre-approval.
• A real estate agent calls to verify a buyer's approval status.
• A borrower calls to ask about locking a rate.
• The broker calls a borrower for missing documents.
• An appraiser calls to schedule access to a property.

Texting and after-hours calls

Brokers text document checklists and status updates to borrowers and agents.

Buyers and agents often call in the evening while preparing offers, so prompt callbacks matter.

Marketing calls and texts require consent, and financial details should not be sent by text.

How big mortgage and nonmortgage loan brokers are

81.5% of U.S. mortgage and nonmortgage loan brokers with employees had fewer than five people in March 2023. 92.1% had fewer than ten. Most phone decisions in this industry are made for small teams, where one shared number and sensible routing matter more than a desk phone per person.

Mortgage and nonmortgage loan brokers by state

Establishment counts for the 51 states (and DC) where Census published a figure, with the rate per 100,000 residents.

Largest metro areas for mortgage and nonmortgage loan brokers

Census published mortgage brokerage counts for 242 metro and micropolitan areas. The 25 largest:

What a phone system costs a mortgage brokerage in the U.S.

The average U.S. mortgage brokerage has 5.6 employees, so the comparison uses a 6-person team. Per-seat business phone plans bill every one of those people. At month-to-month list prices checked September 28, 2026, 6 users on RingCentral RingEX Core cost $180.00 a month and 6 on Ooma Office Pro cost $149.70. Callata comes to $119.00 a month for 6 users ($99 a month with 5 users included, then $20 per additional user), below both.

Over a year, that is $732 less than RingCentral for a mortgage brokerage in the U.S. of that size. Annual contracts lower some competitors' prices, so compare the plan you would actually sign.

How Callata works for mortgage and nonmortgage loan brokers

For $99 a month, Callata puts a team of up to 5 on one plan ($20 for each person after that): up to 3 local numbers, unlimited inbound calls, a pooled allowance of 1,500 outbound US and Canada minutes per user, browser and cell calling, voicemail transcription with urgency triage, recorded calls with AI summaries and business-hours routing, with E911 on every number.

Texting from a local number requires carrier registration (10DLC), a one-time $49 fee. Porting an existing number is free.

AI agents are optional: an AI receptionist or scheduler can pick up when the team is busy or closed, take a message, send a text or email, or transfer the call. They draw on prepaid AI minutes ($0.25/minute), disclose that they are AI, and outbound AI calls require prior consent and are limited to 8am–9pm.