Activities Related to Credit Intermediation H-1B Wage Premium
The DOL prevailing wage is the legal minimum an employer must pay for a given role, level, and location — not a target. Employers classified under Activities Related to Credit Intermediation (NAICS 5223) pay a median of 4.6% above that floor, but 39.8% of filings are at or within 1% of the legal minimum.
What "Wage Premium" Means
Every H-1B Labor Condition Application states a DOL-determined prevailing wage — the minimum legally required for that occupation, experience level, and worksite. Wage premium is how much an employer's actual offered wage exceeds that floor. A 0% premium means the filing states exactly the legal minimum; it is not evidence of a problem, but it means the offered wage carries no information beyond what the law already requires.
Premium varies enormously by employer within the same industry — some pay the floor on every filing, others consistently pay well above it. The table below is not a ranking of employer quality; it measures one thing only: how each employer's offered wage compares to the legal minimum for Activities Related to Credit Intermediation filings.
Employers Paying Furthest Above the Floor
| Employer | Certified Filings | Avg. Premium |
|---|---|---|
| Airwallex US, LLC | 39 | +41.7% |
| Dave Operating LLC | 30 | +38.6% |
| Social Finance, Inc. | 259 | +32.1% |
| Imprint Payments, Inc. | 30 | +32.1% |
| Credit Acceptance Corporation | 143 | +30% |
| Lakeview Loan Servicing, LLC | 53 | +29.9% |
| Bolt Financial, Inc. | 57 | +28.8% |
| Galileo Financial Technologies | 148 | +28.7% |
Employers with at least 30 certified filings in this industry, ranked by average premium over prevailing wage.
Related H-1B Data
H1B Visa Jobs Research Team
Computed from US Department of Labor LCA disclosure files for employers classified under NAICS 5223 — Activities Related to Credit Intermediation — comparing each filing's offered annual wage to its own DOL prevailing wage figure (annualized from an hourly rate where filed hourly), filtered to certified petitions with annual wages between $30K and $1M and a positive prevailing wage on file. Per-employer premium is shown only where an employer has at least 30 qualifying filings in this industry, to keep the percentage from being driven by a handful of cases.