Real estate · Small-town market · California
Mortgage brokers and lenders in the Truckee-Grass Valley, CA area
Competitor counts, household spending and official business counts for mortgage brokers and lenders in the Truckee-Grass Valley, CA area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 33 out of 100: Lower middle
Ranked #142 of 177 scored small-town markets
#5 of 5 scored small-town markets based in California
- Listings
- 29
- 8 chain locations (28%)
- Official establishments
- 21
- Businesses with payroll, 2023
- Household spending a year
- $819.4M
- On rent and homeowner costs · $19,115 a household
- Housing spending per listing (U.S. = 100)
- 72
- 28% below the U.S.
- Listings per 10k households
- 6.8
- 58% above the U.S.
- Population, 2025
- 101,911
- −0.4% since 2020
See the mortgage brokers and lenders around any address in the Truckee-Grass Valley 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 Truckee-Grass Valley 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
For mortgage brokers and lenders, the Truckee-Grass Valley area has a Groundwork market score of 33 (lower middle): #142 of 177 scored small-town markets and #5 of 5 scored small-town markets based in California. That puts it in the bottom quarter of small-town markets.
As of September 2026, map listings count 29 mortgage brokers and lenders in the Truckee-Grass Valley area. Of those, 8 are chain locations, or 28%, against 21% across the U.S. That is 6.8 per 10,000 households, 58% above the U.S. rate of 4.3.
At $19,115 per household (15% above the U.S. average), households in the Truckee-Grass Valley area spend about $819.4M a year on rent and homeowner costs. Housing spending per office is 28% 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.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Truckee-Grass Valley area was 21 in 2023. That is one for every 2,041 households, against one for every 4,897 across the U.S. Population estimates put the population change in the Truckee-Grass Valley area from 2020 to 2025 at −0.4%, against +3.1% for the U.S.
How the Truckee-Grass Valley 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 | Truckee-Grass Valley area | California | U.S. |
|---|---|---|---|
| Listings per 10k households | 6.8 | 6.4 | 4.3 |
| Housing spending per listing (U.S. = 100) | 72 | 80 | 100 |
| Households per official establishment | 2,041 | 2,973 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | −0.8% | +9.5% |
| Population growth, 2020–2025 | −0.4% | −0.4% | +3.1% |
| Spending per household on rent and homeowner costs | $19,115 | $19,977 | $16,661 |
| Median household income | $89,882 | $99,122 | $80,734 |
| Groundwork market score | 33 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 21
- Employees, 2023
- 37
- Annual payroll, 2023
- $2.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 298 chain locations
- Listings at the U.S. rate for this spending
- 21The 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 the Truckee-Grass Valley 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 Truckee-Grass Valley area
- Population, 2025 estimate
- 101,911−0.4% since 2020
- Households
- 42,865
- Median age
- 49.8
- Homes lived in by their owners
- 75%
- Vehicles per household
- 2.0
- Land area
- 958 sq. mi.
- People per square mile
- 107
- Median household income
- $89,882+36.0% vs. 2015–2019, before inflation
- Average household income
- $124,444
- Median home value
- $621,800
- Jobs located here
- 31,275
- Daytime population
- 94,590Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Truckee-Grass Valley area?
These figures cover the whole small-town market. 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 Truckee-Grass Valley 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 small-town markets in California for mortgage brokers and lenders, numbered among those based in California (a market based in another state is listed without a number), with the Truckee-Grass Valley area marked.
Top small-town markets in California
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Sonora, CA | 66 | 5 | 2.2 | 208 | −4.0% | #26 of 177 |
| 2Red Bluff, CA | 58 | 8 | 3.2 | 131 | −1.7% | #61 of 177 |
| 3Eureka-Arcata, CA | 54 | 13 | 2.4 | 178 | −3.4% | #75 of 177 |
| 4Ukiah, CA | 52 | 10 | 2.9 | 152 | −3.5% | #86 of 177 |
| 5Truckee-Grass Valley, CA | 33 | 29 | 6.8 | 72 | −0.4% | #142 of 177 |
| Gardnerville Ranchos, NV-CA | 31 | 18 | 8.3 | 59 | +0.9% | #152 of 177 |
Other business types in the Truckee-Grass Valley 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 estate30
- Real estate agents and brokers30
- Property management42
- Mortgage brokers and lenders33
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Truckee-Grass Valley, CA area?
The Truckee-Grass Valley area has 29 mortgage brokers and lenders on map listings as of September 2026. 8 of them (28%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 21 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Truckee-Grass Valley, CA area spend on rent and homeowner costs?
About $819.4M a year, or $19,115 per household. That is 15% above the U.S. average (an index of 115, where 100 is the U.S. average). For the 29 mortgage brokers and lenders on map listings, housing spending per office is 28% 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 42,865 households in the Truckee-Grass Valley area and national spending patterns by income.
How does the Truckee-Grass Valley, CA area compare with the U.S. for mortgage brokers and lenders?
The Truckee-Grass Valley area has 6.8 mortgage brokers and lenders per 10,000 households, 58% above the U.S. rate of 4.3. The index of housing spending per office is 72, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Truckee-Grass Valley area would have about 21, against 29 on map listings. There is one business with payroll in the industry for every 2,041 households, against one for every 4,897 across the U.S.
How fast is the Truckee-Grass Valley, CA area growing?
Population estimates put the Truckee-Grass Valley area at 101,911 people in 2025, down 0.4% since 2020, against +3.1% for the U.S. It has 42,865 households. The median household income in the Truckee-Grass Valley area is $89,882 a year, 11% above the U.S. median of $80,734. That rose 36.0% 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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 Truckee-Grass Valley area scores 33 for mortgage brokers and lenders (lower middle), #142 of 177 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Truckee-Grass Valley 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 Truckee-Grass Valley area
Screening a site or an acquisition in the Truckee-Grass Valley 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 Truckee-Grass Valley 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.