Groundwork

Market rankings · Florida

Mortgage brokers and lenders in Florida

Markets across Florida ranked by the Groundwork market score for mortgage brokers and lenders, with competitor counts and household spending for each.

Listings
4,671
825 chain locations (18%)
Official establishments
2,494
+22.5% since 2019
Household spending a year
$134.1B
On rent and homeowner costs
Listings per 10k households
5.3
23% above the U.S.
Housing spending per listing (U.S. = 100)
74
26% below the U.S.
Rank among states
#42 of 51
Market score 36 · Lower middle

A site report maps the mortgage brokers and lenders on map listings around any address in Florida by name and distance, and the spending within reach.

Free10 actions over 3 days, no card

Survey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure

What this means

Map listings as of September 2026 show 4,671 mortgage brokers and lenders in Florida. Chain locations make up 18% of them, against 21% across the U.S. That comes to 5.3 for every 10,000 households, 23% above the U.S. rate of 4.3.

Households in Florida spend about $134.1B a year on rent and homeowner costs, or $15,326 per household, 8% below the U.S. average. Housing spending per office is 26% 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 2,494 businesses with payroll in Florida classed as mortgage brokers and real estate lenders, up 22.5% from 2019. That is one for every 3,510 households, against one for every 4,897 across the U.S. Across the U.S., the count rose 9.5% over the same years. Since fiscal 2022, 26 SBA-backed loans worth $9.3M have gone to businesses classed as mortgage brokers and real estate lenders in Florida.

Among the 50 states and DC, Florida ranks #42 for mortgage brokers and lenders, with a Groundwork market score of 36 (lower middle). Of the 22 scored metro areas in or partly in Florida, the Wildwood-The Villages metro area scores highest (85). The one scored small-town market in or partly in Florida, the Key West-Key Largo area, scores 36.

Every market in Florida for mortgage brokers and lenders

Download the ranking (CSV)

Numbered by Groundwork market score among the markets based in Florida, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.

Metro areas

Metro areas reaching Florida, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Wildwood-The Villages, FL8591.3302+21.1%#2 of 373
2Homosassa Springs, FL72111.5228+11.1%#23 of 373
3Sebring, FL7151.1321+9.7%#27 of 373
4Tallahassee, FL64382.4154+3.1%#65 of 373
5Ocala, FL63452.7130+17.3%#75 of 373
6Lakeland-Winter Haven, FL63893.1120+19.8%#77 of 373
7Gainesville, FL60422.9125+5.4%#100 of 373
8Pensacola-Ferry Pass-Brent, FL57653.2121+6.5%#124 of 373
9Panama City-Panama City Beach, FL55343.999+15.7%#148 of 373
10Palm Bay-Melbourne-Titusville, FL521054.198+9.1%#168 of 373
11Port St. Lucie, FL50763.7105+16.0%#185 of 373
12Deltona-Daytona Beach-Ormond Beach, FL491254.289+11.2%#194 of 373
13North Port-Bradenton-Sarasota, FL431965.081+13.2%#240 of 373
14Punta Gorda, FL43444.977+15.5%#241 of 373
15Sebastian-Vero Beach-West Vero Corridor, FL40354.980+7.7%#267 of 373
16Jacksonville, FL393505.376+10.7%#276 of 373
17Crestview-Fort Walton Beach-Destin, FL36685.772+9.4%#306 of 373
18Tampa-St. Petersburg-Clearwater, FL357205.473+7.3%#319 of 373
19Orlando-Kissimmee-Sanford, FL356306.265+10.3%#320 of 373
20Cape Coral-Fort Myers, FL342146.560+14.4%#329 of 373
21Naples-Marco Island, FL341418.551+10.6%#332 of 373
22Miami-Fort Lauderdale-West Palm Beach, FL281,5936.859+4.2%#359 of 373

Small-town markets

Small-town markets reaching Florida, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Key West-Key Largo, FL36216.170−2.9%#136 of 177
Palatka, FLNot scored10.31,041+5.9%
Lake City, FLNot scored41.5242+6.2%
Clewiston, FLNot scored10.5652+18.8%
Okeechobee, FLNot scored10.7526+7.4%
Arcadia, FLNot scored21.6212+8.8%

Counties

Counties in Florida, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Sumter County, FL8391.3302+21.1%#15 of 887
2Citrus County, FL74111.5228+11.1%#73 of 887
3Santa Rosa County, FL72182.5168+11.7%#96 of 887
4Highlands County, FL7151.1321+9.7%#100 of 887
5Lake County, FL71392.4161+18.1%#108 of 887
6St. Lucie County, FL67332.4157+21.4%#148 of 887
7Marion County, FL65452.7130+17.3%#175 of 887
8Pasco County, FL64662.8138+19.1%#191 of 887
9Polk County, FL64893.1120+19.8%#194 of 887
10Clay County, FL63253.0136+9.4%#205 of 887
11Hernando County, FL62232.8131+13.3%#220 of 887
12Leon County, FL57352.9132+1.7%#298 of 887
13Volusia County, FL56873.6104+9.1%#320 of 887
14Osceola County, FL56543.8100+23.2%#321 of 887
15Brevard County, FL531054.198+9.1%#390 of 887
16Alachua County, FL52413.5106+3.7%#399 of 887
17Bay County, FL52344.390+17.2%#404 of 887
18Nassau County, FL52215.378+17.4%#407 of 887
19Manatee County, FL50804.589+16.6%#450 of 887
20Escambia County, FL48473.6103+3.5%#476 of 887
21Walton County, FL48144.1102+22.9%#477 of 887
22Charlotte County, FL46444.977+15.5%#517 of 887
23St. Johns County, FL43827.165+25.0%#575 of 887
24Indian River County, FL42354.980+7.7%#591 of 887
25Sarasota County, FL411165.575+10.0%#607 of 887
Show all 67 counties
Counties in Florida, ranked for mortgage brokers and lenders by Groundwork market score, continued
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
26Flagler County, FL36387.255+21.0%#702 of 887
27Collier County, FL361418.551+10.6%#703 of 887
28Duval County, FL352225.371+6.5%#710 of 887
29Monroe County, FL35216.170−2.9%#713 of 887
30Lee County, FL352146.560+14.4%#714 of 887
31Okaloosa County, FL34546.364+4.6%#731 of 887
32Hillsborough County, FL334036.958+7.4%#741 of 887
33Martin County, FL31436.365+4.8%#766 of 887
34Orange County, FL313917.454+6.7%#770 of 887
35Palm Beach County, FL304918.151+5.5%#787 of 887
36Broward County, FL294896.561+3.6%#793 of 887
37Seminole County, FL291467.853+4.3%#797 of 887
38Miami-Dade County, FL286136.362+4.0%#813 of 887
39Pinellas County, FL232285.373−1.2%#852 of 887
Putnam County, FLNot scored10.31,041+5.9%
Columbia County, FLNot scored41.5242+6.2%
Jackson County, FLNot scored31.7190+5.4%
Levy County, FLNot scored00.0n/a+12.7%
Suwannee County, FLNot scored00.0n/a+10.6%
Gadsden County, FLNot scored00.0n/a+2.0%
Hendry County, FLNot scored10.7503+21.5%
Okeechobee County, FLNot scored10.7526+7.4%
Wakulla County, FLNot scored21.6248+12.3%
DeSoto County, FLNot scored21.6212+8.8%
Baker County, FLNot scored00.0n/a+5.8%
Bradford County, FLNot scored11.1326+0.3%
Hardee County, FLNot scored00.0n/a+2.4%
Washington County, FLNot scored00.0n/a+5.4%
Taylor County, FLNot scored00.0n/a−2.5%
Holmes County, FLNot scored00.0n/a+2.7%
Gilchrist County, FLNot scored11.4262+14.5%
Madison County, FLNot scored00.0n/a+5.0%
Dixie County, FLNot scored00.0n/a+8.0%
Union County, FLNot scored00.0n/a+5.2%
Gulf County, FLNot scored11.7221+11.7%
Jefferson County, FLNot scored11.7209+11.1%
Hamilton County, FLNot scored00.0n/a+3.3%
Calhoun County, FLNot scored12.2154−3.0%
Glades County, FLNot scored00.0n/a+9.9%
Franklin County, FLNot scored00.0n/a+4.5%
Lafayette County, FLNot scored00.0n/a+6.8%
Liberty County, FLNot scored00.0n/a+2.8%

Markets with fewer than 5 mortgage brokers and lenders on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.

Questions

How many mortgage brokers and lenders are in Florida?

There are 4,671 mortgage brokers and lenders on map listings in Florida as of September 2026. 825 of them (18%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 2,494 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 22.5% from 2019.

How much do households in Florida spend on rent and homeowner costs?

About $134.1B a year, or $15,326 per household. That is 8% below the U.S. average (an index of 92, where 100 is the U.S. average). For the 4,671 mortgage brokers and lenders on map listings, housing spending per office is 26% 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 8,752,810 households in Florida and national spending patterns by income.

How does Florida compare with the U.S. for mortgage brokers and lenders?

Florida has 5.3 mortgage brokers and lenders per 10,000 households, 23% above the U.S. rate of 4.3. The index of housing spending per office is 74, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Florida would have about 3,438, against 4,671 on map listings. There is one business with payroll in the industry for every 3,510 households, against one for every 4,897 across the U.S. The official count rose 22.5% from 2019 to 2023, against +9.5% for the U.S.

Which market in Florida has the highest market score for mortgage brokers and lenders?

Among 22 scored metro areas in or partly in Florida, the Wildwood-The Villages metro area scores highest, at 85 (high). The one scored small-town market in or partly in Florida is the Key West-Key Largo area, at 36 (lower middle). Among 39 scored counties in Florida, Sumter County scores highest, at 83 (high). Scores compare each market with others of its kind across the U.S.

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. Florida scores 36 for mortgage brokers and lenders (lower middle), #42 of the 50 states and DC.

How can I see the market around a specific site?

Run a Groundwork site report on an address in Florida. 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.

Mortgage brokers and lenders in other states

All 51 states

Top markets for mortgage brokers and lenders across the U.S. · All business types in Florida

Screening a site or an acquisition in Florida?

A site report maps the competitors on map listings near an address and sizes the households and spending around it.

Run a site report See plans
Free10 actions over 3 days, no card

Screening many markets at once? Talk to us

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.