Market rankings · Real estate
Top markets for mortgage brokers and lenders
Every U.S. metro area, small-town market and county, ranked by the Groundwork market score for mortgage brokers and lenders. The score weighs household spending per office, households per business, population growth and spending power.
- Listings in the U.S.
- 55,169
- 11,815 chain locations (21%)
- Official establishments
- 26,383
- +9.5% since 2019
- Household spending a year
- $2.2T
- On rent and homeowner costs
- Listings per 10k households
- 4.3
A site report maps the mortgage brokers and lenders on map listings around the address by name and distance, and the spending within reach.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
There are 55,169 mortgage brokers and lenders on map listings in the U.S. as of September 2026. Of those, 11,815 are chain locations, or 21%. That is 4.3 per 10,000 households.
Households in the U.S. spend about $2.2T a year on rent and homeowner costs, or $16,661 per household. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in.
In 2023, official counts showed 26,383 businesses with payroll in the U.S. classed as mortgage brokers and real estate lenders, up 9.5% from 2019. They employ 296,621 people, with $29.6B in annual payroll.
The Amherst Town-Northampton, MA metro area has the highest market score for mortgage brokers and lenders among 373 scored metro areas, at 90. In the 10 highest-scoring metro areas, the median housing spending per office is 3.2 times the U.S. figure, and the median rate of listings per household is 67% below the U.S. rate.
Top markets
These tables (CSV)Ranked by the Groundwork market score, which weighs household spending per competitor, households per business with payroll, population growth and spending power against every other market of the same kind. How the score works.
Top metro areas of 1 million people or more
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth |
|---|---|---|---|---|---|
| 14Buffalo-Cheektowaga, NY | 76 | 38 | 0.8 | 589 | −0.8% |
| 16Rochester, NY | 76 | 61 | 1.4 | 332 | −0.7% |
| 42Pittsburgh, PA | 67 | 214 | 2.0 | 227 | −1.3% |
| 52New York-Newark-Jersey City, NY-NJ | 66 | 2,243 | 3.0 | 171 | +0.6% |
| 73Hartford-West Hartford-East Hartford, CT | 63 | 162 | 3.5 | 144 | +3.0% |
| 92Oklahoma City, OK | 61 | 179 | 3.1 | 122 | +5.8% |
| 99Boston-Cambridge-Newton, MA-NH | 60 | 827 | 4.3 | 128 | +2.3% |
| 111Tulsa, OK | 59 | 127 | 3.1 | 122 | +5.1% |
| 151Memphis, TN-MS-AR | 54 | 149 | 2.8 | 132 | −0.3% |
| 152Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | 54 | 958 | 3.9 | 126 | +1.4% |
| 165Providence-Warwick, RI-MA | 52 | 295 | 4.4 | 110 | +2.1% |
| 166Washington-Arlington-Alexandria, DC-VA-MD-WV | 52 | 1,080 | 4.6 | 107 | +3.3% |
| 167San Antonio-New Braunfels, TX | 52 | 377 | 3.9 | 101 | +9.5% |
| 170Houston-Pasadena-The Woodlands, TX | 52 | 1,184 | 4.4 | 93 | +10.3% |
| 173San Jose-Sunnyvale-Santa Clara, CA | 51 | 341 | 5.0 | 123 | −0.6% |
Top 50 metro areas
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth |
|---|---|---|---|---|---|
| 1Amherst Town-Northampton, MA | 90 | 13 | 2.1 | 230 | +10.4% |
| 2Wildwood-The Villages, FL | 85 | 9 | 1.3 | 302 | +21.1% |
| 3Lebanon, PA | 83 | 6 | 1.1 | 428 | +2.2% |
| 4Norwich-New London-Willimantic, CT | 82 | 12 | 1.0 | 461 | +2.0% |
| 5Kiryas Joel-Poughkeepsie-Newburgh, NY | 82 | 39 | 1.5 | 330 | +3.0% |
| 6Kingston, NY | 79 | 5 | 0.7 | 714 | +1.1% |
| 7Harrisburg-Carlisle, PA | 79 | 63 | 2.6 | 182 | +4.2% |
| 8Chambersburg, PA | 78 | 12 | 1.9 | 239 | +3.0% |
| 9Pittsfield, MA | 77 | 7 | 1.2 | 378 | −1.2% |
| 10Helena, MT | 77 | 8 | 2.0 | 225 | +7.7% |
| 11Winston-Salem, NC | 77 | 49 | 1.7 | 214 | +5.3% |
| 12Reading, PA | 77 | 36 | 2.2 | 208 | +2.7% |
| 13Midland, TX | 77 | 22 | 3.2 | 136 | +9.8% |
| 14Buffalo-Cheektowaga, NY | 76 | 38 | 0.8 | 589 | −0.8% |
| 15Scranton–Wilkes-Barre, PA | 76 | 29 | 1.2 | 345 | +1.4% |
| 16Rochester, NY | 76 | 61 | 1.4 | 332 | −0.7% |
| 17Albany-Schenectady-Troy, NY | 76 | 75 | 2.0 | 246 | +1.9% |
| 18Greeley, CO | 75 | 47 | 3.8 | 129 | +14.2% |
| 19Syracuse, NY | 74 | 42 | 1.5 | 292 | −1.3% |
| 20Fairbanks-College, AK | 73 | 6 | 1.7 | 293 | −1.4% |
| 21Worcester, MA | 73 | 95 | 2.8 | 177 | +3.7% |
| 22Iowa City, IA | 72 | 8 | 1.1 | 331 | +4.1% |
| 23Homosassa Springs, FL | 72 | 11 | 1.5 | 228 | +11.1% |
| 24Durham-Chapel Hill, NC | 72 | 66 | 2.7 | 157 | +7.5% |
| 25Lewiston-Auburn, ME | 72 | 13 | 2.8 | 155 | +4.8% |
| 26Erie, PA | 71 | 12 | 1.1 | 390 | −1.8% |
| 27Sebring, FL | 71 | 5 | 1.1 | 321 | +9.7% |
| 28Ames, IA | 71 | 6 | 1.2 | 298 | +2.2% |
| 29Waterbury-Shelton, CT | 71 | 51 | 2.8 | 170 | +3.2% |
| 30Vineland, NJ | 71 | 14 | 2.6 | 166 | +2.2% |
| 31Spartanburg, SC | 71 | 34 | 2.4 | 153 | +14.3% |
| 32Hanford-Corcoran, CA | 70 | 8 | 1.8 | 240 | +1.0% |
| 33Jackson, TN | 70 | 11 | 1.5 | 233 | +2.2% |
| 34Merced, CA | 70 | 26 | 3.0 | 141 | +5.1% |
| 35Dothan, AL | 69 | 10 | 1.6 | 215 | +3.4% |
| 36Decatur, AL | 69 | 15 | 2.4 | 155 | +2.5% |
| 37York-Hanover, PA | 69 | 59 | 3.2 | 144 | +3.6% |
| 38College Station-Bryan, TX | 69 | 28 | 2.6 | 138 | +6.9% |
| 39Glens Falls, NY | 68 | 5 | 0.9 | 490 | −1.9% |
| 40Springfield, MA | 68 | 45 | 2.4 | 182 | +0.2% |
| 41Binghamton, NY | 67 | 5 | 0.5 | 877 | −1.3% |
| 42Pittsburgh, PA | 67 | 214 | 2.0 | 227 | −1.3% |
| 43Tuscaloosa, AL | 67 | 24 | 2.3 | 159 | +2.9% |
| 44Trenton-Princeton, NJ | 67 | 50 | 3.5 | 149 | +3.3% |
| 45New Haven, CT | 67 | 82 | 3.6 | 138 | +2.5% |
| 46Sherman-Denison, TX | 67 | 20 | 3.6 | 106 | +12.8% |
| 47Fort Smith, AR-OK | 66 | 10 | 1.1 | 321 | +3.1% |
| 48Springfield, IL | 66 | 12 | 1.3 | 271 | −1.2% |
| 49Rome, GA | 66 | 5 | 1.4 | 271 | +2.8% |
| 50Great Falls, MT | 66 | 8 | 2.2 | 191 | +0.7% |
Top 25 small-town markets
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth |
|---|---|---|---|---|---|
| 1Concord, NH | 90 | 11 | 1.8 | 274 | +2.6% |
| 2Lebanon-Claremont, NH-VT | 88 | 6 | 0.7 | 722 | +1.5% |
| 3Torrington, CT | 88 | 7 | 1.5 | 343 | +2.2% |
| 4Centralia, WA | 88 | 7 | 2.1 | 207 | +6.7% |
| 5Augusta-Waterville, ME | 85 | 12 | 2.2 | 196 | +3.5% |
| 6Keene, NH | 84 | 6 | 2.0 | 238 | +2.3% |
| 7Shelton, WA | 81 | 8 | 3.1 | 150 | +7.8% |
| 8Putnam, CT | 78 | 7 | 1.8 | 274 | +3.0% |
| 9Moses Lake, WA | 78 | 9 | 2.5 | 172 | +6.3% |
| 10Roseburg, OR | 77 | 8 | 1.7 | 246 | +0.6% |
| 11Ontario, OR-ID | 76 | 5 | 2.5 | 164 | +5.0% |
| 12East Stroudsburg, PA | 75 | 9 | 1.5 | 315 | −0.7% |
| 13Shelby-Kings Mountain, NC | 74 | 5 | 1.3 | 272 | +3.4% |
| 14Tullahoma-Manchester, TN | 74 | 5 | 1.9 | 182 | +7.3% |
| 15Hudson, NY | 73 | 5 | 1.9 | 256 | −2.1% |
| 16Calhoun, GA | 73 | 5 | 2.3 | 157 | +6.9% |
| 17Anderson Creek, NC | 73 | 13 | 2.6 | 143 | +12.3% |
| 18Laconia, NH | 72 | 8 | 3.0 | 159 | +2.1% |
| 19Shelbyville, TN | 72 | 5 | 2.6 | 144 | +9.7% |
| 20Moscow, ID | 72 | 5 | 3.1 | 137 | +5.6% |
| 21Greeneville, TN | 70 | 5 | 1.8 | 195 | +5.0% |
| 22Laramie, WY | 70 | 5 | 2.9 | 143 | +3.9% |
| 23Show Low, AZ | 68 | 7 | 1.7 | 223 | +3.0% |
| 24Gainesville, TX | 68 | 5 | 3.0 | 130 | +6.5% |
| 25Richmond-Berea, KY | 68 | 15 | 3.0 | 117 | +7.0% |
Top 25 counties
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth |
|---|---|---|---|---|---|
| 1Pinal County, AZ | 92 | 21 | 1.3 | 349 | +25.4% |
| 2Guadalupe County, TX | 90 | 5 | 0.8 | 544 | +15.8% |
| 3Paulding County, GA | 90 | 5 | 0.8 | 510 | +12.7% |
| 4Hampshire County, MA | 90 | 13 | 2.1 | 230 | +10.4% |
| 5Sandoval County, NM | 89 | 6 | 1.1 | 445 | +6.9% |
| 6Hunterdon County, NJ | 86 | 12 | 2.4 | 251 | +2.3% |
| 7Kaufman County, TX | 86 | 9 | 1.8 | 232 | +42.2% |
| 8Cabarrus County, NC | 85 | 17 | 2.0 | 208 | +9.9% |
| 9Brazoria County, TX | 85 | 34 | 2.5 | 172 | +12.2% |
| 10Canadian County, OK | 84 | 9 | 1.5 | 263 | +20.4% |
| 11Strafford County, NH | 84 | 12 | 2.3 | 212 | +3.0% |
| 12Boone County, IN | 84 | 6 | 2.1 | 206 | +13.5% |
| 13Kendall County, IL | 83 | 6 | 1.3 | 318 | +9.9% |
| 14Hudson County, NJ | 83 | 48 | 1.6 | 317 | +1.8% |
| 15Sumter County, FL | 83 | 9 | 1.3 | 302 | +21.1% |
| 16Dutchess County, NY | 83 | 20 | 1.7 | 298 | +1.5% |
| 17Merrimack County, NH | 83 | 11 | 1.8 | 274 | +2.6% |
| 18Northampton County, PA | 83 | 24 | 2.0 | 246 | +3.7% |
| 19Limestone County, AL | 83 | 7 | 1.7 | 238 | +18.0% |
| 20Southeastern Connecticut Planning Region, CT | 82 | 12 | 1.0 | 461 | +2.0% |
| 21Lebanon County, PA | 82 | 6 | 1.1 | 428 | +2.2% |
| 22Johnston County, NC | 82 | 15 | 1.8 | 227 | +17.9% |
| 23Lewis County, WA | 82 | 7 | 2.1 | 207 | +6.7% |
| 24Lower Connecticut River Valley Planning Region, CT | 81 | 7 | 0.9 | 552 | +2.3% |
| 25Northwest Hills Planning Region, CT | 81 | 7 | 1.5 | 343 | +2.2% |
Scored: 373 metro areas, 177 small-town markets and 887 counties, each with at least 5 mortgage brokers and lenders on map listings (counties: 10,000 people or more). Housing spending per listing is all rent and homeowner costs over the listings, as an index where 100 is the U.S. Each market has its own page, reached from its state below.
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Every market in one Excel file
Mortgage brokers and lenders figures for all 387 metro areas, 538 small-town markets, 3,144 counties and 51 states: the Groundwork market score and rank, map listings and chains, household spending, businesses with payroll, employees and payroll, one-person businesses, SBA-backed loans, population, income and home value, each linked to its page. Sorted, filterable and ready to screen.
Mortgage brokers and lenders by state
Every market in each state ranked, with the state’s highest-scoring metro area.
- AlabamaTop metro area: Dothan metro area · 69
- AlaskaTop metro area: Fairbanks-College metro area · 73
- ArizonaTop metro area: Prescott Valley-Prescott metro area · 56
- ArkansasTop metro area: Fort Smith metro area · 66
- CaliforniaTop metro area: Hanford-Corcoran metro area · 70
- ColoradoTop metro area: Greeley metro area · 75
- ConnecticutTop metro area: Norwich-New London-Willimantic metro area · 82
- DelawareTop metro area: Dover metro area · 41
- District of ColumbiaTop metro area: Washington-Arlington-Alexandria metro area · 52
- FloridaTop metro area: Wildwood-The Villages metro area · 85
- GeorgiaTop metro area: Rome metro area · 66
- HawaiiTop metro area: Urban Honolulu metro area · 37
- IdahoTop metro area: Pocatello metro area · 57
- IllinoisTop metro area: Springfield metro area · 66
- IndianaTop metro area: South Bend-Mishawaka metro area · 61
- IowaTop metro area: Iowa City metro area · 72
- KansasTop metro area: Lawrence metro area · 64
- KentuckyTop metro area: Elizabethtown metro area · 60
- LouisianaTop metro area: Alexandria metro area · 44
- MaineTop metro area: Lewiston-Auburn metro area · 72
- MarylandTop metro area: Hagerstown-Martinsburg metro area · 65
- MassachusettsTop metro area: Amherst Town-Northampton metro area · 90
- MichiganTop metro area: Monroe metro area · 65
- MinnesotaTop metro area: Duluth metro area · 59
- MississippiTop metro area: Gulfport-Biloxi metro area · 58
- MissouriTop metro area: St. Joseph metro area · 51
- MontanaTop metro area: Helena metro area · 77
- NebraskaTop metro area: Omaha metro area · 60
- NevadaTop metro area: Las Vegas-Henderson-North Las Vegas metro area · 36
- New HampshireTop metro area: Manchester-Nashua metro area · 42
- New JerseyTop metro area: Vineland metro area · 71
- New MexicoTop metro area: Santa Fe metro area · 61
- New YorkTop metro area: Kiryas Joel-Poughkeepsie-Newburgh metro area · 82
- North CarolinaTop metro area: Winston-Salem metro area · 77
- North DakotaTop metro area: Bismarck metro area · 65
- OhioTop metro area: Sandusky metro area · 58
- OklahomaTop metro area: Oklahoma City metro area · 61
- OregonTop metro area: Corvallis metro area · 59
- PennsylvaniaTop metro area: Lebanon metro area · 83
- Rhode IslandTop metro area: Providence-Warwick metro area · 52
- South CarolinaTop metro area: Spartanburg metro area · 71
- South DakotaTop metro area: Sioux Falls metro area · 51
- TennesseeTop metro area: Jackson metro area · 70
- TexasTop metro area: Midland metro area · 77
- UtahTop metro area: Provo-Orem-Lehi metro area · 43
- VermontTop metro area: Burlington-South Burlington metro area · 61
- VirginiaTop metro area: Lynchburg metro area · 59
- WashingtonTop metro area: Kennewick-Richland metro area · 59
- West VirginiaTop metro area: Morgantown metro area · 61
- WisconsinTop metro area: Janesville-Beloit metro area · 66
- WyomingTop metro area: Casper metro area · 44
Related business types
- Real estate496,973 listings
- Real estate agents and brokers394,854 listings
- Property management38,749 listings
- Home inspectors8,200 listings
Questions
Which metro areas have the highest market score for mortgage brokers and lenders?
The top 5 are Amherst Town-Northampton, MA (90); Wildwood-The Villages, FL (85); Lebanon, PA (83); Norwich-New London-Willimantic, CT (82); and Kiryas Joel-Poughkeepsie-Newburgh, NY (82). The score compares each of 373 scored metro areas with the others for mortgage brokers and lenders.
How many mortgage brokers and lenders are in the U.S.?
As of September 2026, map listings count 55,169 mortgage brokers and lenders in the U.S. 11,815 of them (21%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 26,383 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 9.5% from 2019.
How much do U.S. households spend on rent and homeowner costs?
About $2.2T a year, or $16,661 per household. For the 55,169 mortgage brokers and lenders on map listings, housing spending per office is in line with the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in. It is estimated from the incomes of the 129,209,336 households in the U.S. and national spending patterns by income.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Markets with fewer than 5 map listings of the type, and counties under 10,000 people, aren’t scored, since a few businesses can swing their figures.
How can I see the market around a specific site?
Run a Groundwork site report on an address anywhere in the U.S. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
All business types and every U.S. market · How we measure
Screening a site or an acquisition?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.