Real estate · County · California
Mortgage brokers and lenders in Santa Cruz County, CA
Competitor counts, household spending and official business counts for mortgage brokers and lenders in Santa Cruz County, CA, set against other counties and the U.S.
Groundwork market score · out of 100
Score 36 out of 100: Lower middle
Ranked #694 of 887 scored counties
#29 of 42 scored counties in California
- Listings
- 64
- 12 chain locations (19%)
- Official establishments
- 24
- +9.1% since 2019
- Household spending a year
- $2B
- On rent and homeowner costs · $20,961 a household
- Housing spending per listing (U.S. = 100)
- 81
- 19% below the U.S.
- Listings per 10k households
- 6.6
- 53% above the U.S.
- Population, 2025
- 258,852
- −4.7% since 2020
See the mortgage brokers and lenders around any address in Santa Cruz County
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 Santa Cruz County. 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 Santa Cruz County is 36 (lower middle), #694 of 887 scored counties and #29 of 42 scored counties in California. That puts it in the bottom quarter of counties.
As of September 2026, map listings count 64 mortgage brokers and lenders in Santa Cruz County. Of those, 12 are chain locations, or 19%, against 21% across the U.S. That is 6.6 per 10,000 households, 53% above the U.S. rate of 4.3.
Households in Santa Cruz County spend about $2B a year on rent and homeowner costs, or $20,961 per household, 26% above the U.S. average. Housing spending per office is 19% 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.
Official counts show 24 businesses with payroll classed as mortgage brokers and real estate lenders in Santa Cruz County in 2023, up 9.1% from 2019. That is one for every 4,037 households, against one for every 4,897 across the U.S. Population estimates put the population change in Santa Cruz County from 2020 to 2025 at −4.7%, against +3.1% for the U.S.
How Santa Cruz County 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 | Santa Cruz County | California | U.S. |
|---|---|---|---|
| Listings per 10k households | 6.6 | 6.4 | 4.3 |
| Housing spending per listing (U.S. = 100) | 81 | 80 | 100 |
| Households per official establishment | 4,037 | 2,973 | 4,897 |
| Official establishment growth, 2019–2023 | +9.1% | −0.8% | +9.5% |
| Population growth, 2020–2025 | −4.7% | −0.4% | +3.1% |
| Spending per household on rent and homeowner costs | $20,961 | $19,977 | $16,661 |
| Median household income | $111,093 | $99,122 | $80,734 |
| Groundwork market score | 36 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 22 → 24+9.1% over the period
- Employees, 2023
- 84
- Annual payroll, 2023
- $7.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6412 chain locations
- Listings at the U.S. rate for this spending
- 52The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in Santa Cruz County, 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 Santa Cruz County
- Population, 2025 estimate
- 258,852−4.7% since 2020
- Households
- 96,898
- Median age
- 40.6
- Homes lived in by their owners
- 60%
- Vehicles per household
- 2.1
- Land area
- 445 sq. mi.
- People per square mile
- 595
- Median household income
- $111,093+35.1% vs. 2015–2019, before inflation
- Average household income
- $156,435
- Median home value
- $1,027,500
- Jobs located here
- 95,587
- Daytime population
- 247,989Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Santa Cruz County?
These figures cover the whole county. 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 Santa Cruz County. 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 counties in California for mortgage brokers and lenders, numbered among those based in California, with Santa Cruz County marked.
Top counties in California
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Kings County, CA | 71 | 8 | 1.8 | 240 | +1.0% | #102 of 887 |
| 2Merced County, CA | 71 | 26 | 3.0 | 141 | +5.1% | #111 of 887 |
| 3Tuolumne County, CA | 64 | 5 | 2.2 | 208 | −4.0% | #181 of 887 |
| 4San Francisco County, CA | 64 | 116 | 3.2 | 183 | −5.6% | #184 of 887 |
| 5Madera County, CA | 64 | 14 | 3.1 | 146 | +7.4% | #188 of 887 |
| 6Calaveras County, CA | 62 | 7 | 3.8 | 123 | +2.8% | #222 of 887 |
| 7Alameda County, CA | 59 | 231 | 3.9 | 148 | −2.6% | #262 of 887 |
| 8Tulare County, CA | 59 | 43 | 3.0 | 146 | +2.4% | #263 of 887 |
| 9San Benito County, CA | 59 | 11 | 5.3 | 101 | +8.6% | #271 of 887 |
| 10San Mateo County, CA | 58 | 98 | 3.7 | 166 | −2.5% | #273 of 887 |
| 29Santa Cruz County, CA | 36 | 64 | 6.6 | 81 | −4.7% | #694 of 887 |
Other business types in Santa Cruz County
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 estate30
- Real estate agents and brokers32
- Property management39
- Mortgage brokers and lenders36
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in Santa Cruz County, CA?
Santa Cruz County has 64 mortgage brokers and lenders on map listings as of September 2026. 12 of them (19%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 24 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 9.1% from 2019.
How much do households in Santa Cruz County, CA spend on rent and homeowner costs?
About $2B a year, or $20,961 per household. That is 26% above the U.S. average (an index of 126, where 100 is the U.S. average). For the 64 mortgage brokers and lenders on map listings, housing spending per office is 19% 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 96,898 households in Santa Cruz County and national spending patterns by income.
How does Santa Cruz County, CA compare with the U.S. for mortgage brokers and lenders?
Santa Cruz County has 6.6 mortgage brokers and lenders per 10,000 households, 53% above the U.S. rate of 4.3. The index of housing spending per office is 81, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Santa Cruz County would have about 52, against 64 on map listings. There is one business with payroll in the industry for every 4,037 households, against one for every 4,897 across the U.S. The official count rose 9.1% from 2019 to 2023, against +9.5% for the U.S.
How fast is Santa Cruz County, CA growing?
Population estimates put Santa Cruz County at 258,852 people in 2025, down 4.7% since 2020, against +3.1% for the U.S. It has 96,898 households. The median household income in Santa Cruz County is $111,093 a year, 38% above the U.S. median of $80,734. That rose 35.1% 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. Santa Cruz County scores 36 for mortgage brokers and lenders (lower middle), #694 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Santa Cruz County. 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 Santa Cruz County
Screening a site or an acquisition in Santa Cruz County?
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 Santa Cruz County. 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.