Real estate · Metro area · California
Mortgage brokers and lenders in the San Diego-Chula Vista-Carlsbad, CA metro area
Competitor counts, household spending and official business counts for mortgage brokers and lenders in the San Diego-Chula Vista-Carlsbad, CA metro area, set against other metro areas and the U.S.
Groundwork market score · out of 100
Score 25 out of 100: Lower middle
Ranked #367 of 373 scored metro areas
#23 of 25 scored metro areas based in California
- Listings
- 985
- 150 chain locations (15%)
- Official establishments
- 550
- +6.0% since 2019
- Household spending a year
- $23.9B
- On rent and homeowner costs · $20,407 a household
- Housing spending per listing (U.S. = 100)
- 62
- 38% below the U.S.
- Listings per 10k households
- 8.4
- 95% above the U.S.
- Population, 2025
- 3,282,248
- −0.6% since 2020
See the mortgage brokers and lenders around any address in the San Diego-Chula Vista-Carlsbad metro area
The site report maps the mortgage brokers and lenders on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the San Diego-Chula Vista-Carlsbad metro area. Signed out, you see a blurred preview; on an account, each report is one action.
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
The Groundwork market score for mortgage brokers and lenders in the San Diego-Chula Vista-Carlsbad metro area is 25 (lower middle), #367 of 373 scored metro areas and #23 of 25 scored metro areas based in California. That puts it in the bottom quarter of metro areas.
As of September 2026, map listings count 985 mortgage brokers and lenders in the San Diego-Chula Vista-Carlsbad metro area. Of those, 150 are chain locations, or 15%, against 21% across the U.S. That is 8.4 per 10,000 households, 95% above the U.S. rate of 4.3.
Household spending on rent and homeowner costs in the San Diego-Chula Vista-Carlsbad metro area comes to about $23.9B a year: $20,407 per household, 22% above the U.S. average. Housing spending per office is 38% below 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.
In 2023, official counts showed 550 businesses with payroll in the San Diego-Chula Vista-Carlsbad metro area classed as mortgage brokers and real estate lenders, up 6.0% from 2019. That is one for every 2,130 households, against one for every 4,897 across the U.S. Since fiscal 2022, 6 SBA-backed loans worth $4M have gone to businesses classed as mortgage brokers and real estate lenders in the San Diego-Chula Vista-Carlsbad metro area. Population estimates show the San Diego-Chula Vista-Carlsbad metro area declined 0.6% from 2020 to 2025, against +3.1% for the U.S.
How the San Diego-Chula Vista-Carlsbad metro area compares
The same measures for California and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | San Diego-Chula Vista-Carlsbad metro area | California | U.S. |
|---|---|---|---|
| Listings per 10k households | 8.4 | 6.4 | 4.3 |
| Housing spending per listing (U.S. = 100) | 62 | 80 | 100 |
| Households per official establishment | 2,130 | 2,973 | 4,897 |
| Official establishment growth, 2019–2023 | +6.0% | −0.8% | +9.5% |
| Population growth, 2020–2025 | −0.6% | −0.4% | +3.1% |
| Spending per household on rent and homeowner costs | $20,407 | $19,977 | $16,661 |
| Median household income | $106,268 | $99,122 | $80,734 |
| Groundwork market score | 25 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 550+6.0% over the period
- Employees, 2023
- 6,343
- Annual payroll, 2023
- $593.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 985150 chain locations
- Listings at the U.S. rate for this spending
- 613The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 6
- Amount
- $4M
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in the San Diego-Chula Vista-Carlsbad metro area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the San Diego-Chula Vista-Carlsbad metro area
- Population, 2025 estimate
- 3,282,248−0.6% since 2020
- Households
- 1,171,278
- Median age
- 38.9
- Homes lived in by their owners
- 55%
- Vehicles per household
- 1.9
- Land area
- 4,211 sq. mi.
- People per square mile
- 781
- Median household income
- $106,268+34.6% vs. 2015–2019, before inflation
- Average household income
- $141,250
- Median home value
- $854,700
- Jobs located here
- 1,516,991
- Daytime population
- 3,269,716Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the San Diego-Chula Vista-Carlsbad metro area?
These figures cover the whole metro area. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the mortgage brokers and lenders on map listings by name and distance.
Or open the report at the center of the San Diego-Chula Vista-Carlsbad metro area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardMortgage brokers and lenders across California
Every California market ranked →The highest-scoring metro areas in California for mortgage brokers and lenders, numbered among those based in California, with the San Diego-Chula Vista-Carlsbad metro area marked.
Top metro areas in California
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Hanford-Corcoran, CA | 70 | 8 | 1.8 | 240 | +1.0% | #32 of 373 |
| 2Merced, CA | 70 | 26 | 3.0 | 141 | +5.1% | #34 of 373 |
| 3Visalia, CA | 57 | 43 | 3.0 | 146 | +2.4% | #120 of 373 |
| 4Yuba City, CA | 57 | 22 | 3.6 | 128 | +3.3% | #122 of 373 |
| 5Stockton-Lodi, CA | 57 | 110 | 4.5 | 109 | +5.5% | #127 of 373 |
| 6San Jose-Sunnyvale-Santa Clara, CA | 51 | 341 | 5.0 | 123 | −0.6% | #173 of 373 |
| 7Bakersfield-Delano, CA | 51 | 108 | 3.8 | 116 | +2.3% | #174 of 373 |
| 8Salinas, CA | 49 | 60 | 4.5 | 111 | −1.5% | #191 of 373 |
| 9Fresno, CA | 45 | 173 | 4.7 | 96 | +3.2% | #223 of 373 |
| 10San Francisco-Oakland-Fremont, CA | 44 | 893 | 5.1 | 113 | −2.4% | #229 of 373 |
| 23San Diego-Chula Vista-Carlsbad, CA | 25 | 985 | 8.4 | 62 | −0.6% | #367 of 373 |
Other business types in the San Diego-Chula Vista-Carlsbad metro area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
- Real estate28
- Real estate agents and brokers30
- Property management28
- Mortgage brokers and lenders25
- Home inspectors54
Funeral services
Questions
How many mortgage brokers and lenders are in the San Diego-Chula Vista-Carlsbad, CA metro area?
The San Diego-Chula Vista-Carlsbad metro area has 985 mortgage brokers and lenders on map listings as of September 2026. 150 of them (15%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 550 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 6.0% from 2019.
How much do households in the San Diego-Chula Vista-Carlsbad, CA metro area spend on rent and homeowner costs?
About $23.9B a year, or $20,407 per household. That is 22% above the U.S. average (an index of 122, where 100 is the U.S. average). For the 985 mortgage brokers and lenders on map listings, housing spending per office is 38% below the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in. It is estimated from the incomes of the 1,171,278 households in the San Diego-Chula Vista-Carlsbad metro area and national spending patterns by income.
How does the San Diego-Chula Vista-Carlsbad, CA metro area compare with the U.S. for mortgage brokers and lenders?
The San Diego-Chula Vista-Carlsbad metro area has 8.4 mortgage brokers and lenders per 10,000 households, 95% above the U.S. rate of 4.3. The index of housing spending per office is 62, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the San Diego-Chula Vista-Carlsbad metro area would have about 613, against 985 on map listings. There is one business with payroll in the industry for every 2,130 households, against one for every 4,897 across the U.S. The official count rose 6.0% from 2019 to 2023, against +9.5% for the U.S.
How fast is the San Diego-Chula Vista-Carlsbad, CA metro area growing?
Population estimates put the San Diego-Chula Vista-Carlsbad metro area at 3,282,248 people in 2025, down 0.6% since 2020, against +3.1% for the U.S. It has 1,171,278 households. The median household income in the San Diego-Chula Vista-Carlsbad metro area is $106,268 a year, 32% above the U.S. median of $80,734. That rose 34.6% from the 2015–2019 survey, before inflation.
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. The San Diego-Chula Vista-Carlsbad metro area scores 25 for mortgage brokers and lenders (lower middle), #367 of 373 scored metro areas.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the San Diego-Chula Vista-Carlsbad metro area. 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.
How the score works · Top markets for mortgage brokers and lenders · All 56 business types in the San Diego-Chula Vista-Carlsbad metro area
Screening a site or an acquisition in the San Diego-Chula Vista-Carlsbad metro area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the San Diego-Chula Vista-Carlsbad metro area. Signed out, you see a blurred preview; on an account, each report is one action.
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.