Real estate · County · Florida
Mortgage brokers and lenders in Okaloosa County, FL
Competitor counts, household spending and official business counts for mortgage brokers and lenders in Okaloosa County, FL, set against other counties and the U.S.
Groundwork market score · out of 100
Score 34 out of 100: Lower middle
Ranked #731 of 887 scored counties
#31 of 39 scored counties in Florida
- Listings
- 54
- 18 chain locations (33%)
- Official establishments
- 24
- +9.1% since 2019
- Household spending a year
- $1.4B
- On rent and homeowner costs · $15,899 a household
- Housing spending per listing (U.S. = 100)
- 64
- 36% below the U.S.
- Listings per 10k households
- 6.3
- 47% above the U.S.
- Population, 2025
- 221,810
- +4.6% since 2020
See the mortgage brokers and lenders around any address in Okaloosa 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 Okaloosa 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
Okaloosa County scores 34 (lower middle) on the Groundwork market score for mortgage brokers and lenders, ranking #731 of 887 scored counties and #31 of 39 scored counties in Florida. That puts it in the bottom quarter of counties.
As of September 2026, map listings count 54 mortgage brokers and lenders in Okaloosa County. 18 of them (33%) are chain locations, against 21% across the U.S. That is 6.3 per 10,000 households, 47% above the U.S. rate of 4.3.
At $15,899 per household (5% below the U.S. average), households in Okaloosa County spend about $1.4B a year on rent and homeowner costs. Housing spending per office is 36% 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 Okaloosa County in 2023, up 9.1% from 2019. That is one for every 3,559 households, against one for every 4,897 across the U.S. Population estimates put the population change in Okaloosa County from 2020 to 2025 at +4.6%, faster than the U.S. (+3.1%).
How Okaloosa County compares
The same measures for Florida 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 | Okaloosa County | Florida | U.S. |
|---|---|---|---|
| Listings per 10k households | 6.3 | 5.3 | 4.3 |
| Housing spending per listing (U.S. = 100) | 64 | 74 | 100 |
| Households per official establishment | 3,559 | 3,510 | 4,897 |
| Official establishment growth, 2019–2023 | +9.1% | +22.5% | +9.5% |
| Population growth, 2020–2025 | +4.6% | +8.7% | +3.1% |
| Spending per household on rent and homeowner costs | $15,899 | $15,326 | $16,661 |
| Median household income | $81,998 | $74,568 | $80,734 |
| Groundwork market score | 34 | 36 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 22 → 24+9.1% over the period
- Employees, 2023
- 135
- Annual payroll, 2023
- $14M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 5418 chain locations
- Listings at the U.S. rate for this spending
- 35The 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 Okaloosa 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 Okaloosa County
- Population, 2025 estimate
- 221,810+4.6% since 2020
- Households
- 85,411
- Median age
- 39.1
- Homes lived in by their owners
- 68%
- Vehicles per household
- 1.9
- Land area
- 930 sq. mi.
- People per square mile
- 233
- Median household income
- $81,998+29.3% vs. 2015–2019, before inflation
- Average household income
- $109,934
- Median home value
- $351,200
- Jobs located here
- 91,084
- Daytime population
- 224,037Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Okaloosa 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 Okaloosa 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 Florida
Every Florida market ranked →The highest-scoring counties in Florida for mortgage brokers and lenders, numbered among those based in Florida, with Okaloosa County marked.
Top counties in Florida
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Sumter County, FL | 83 | 9 | 1.3 | 302 | +21.1% | #15 of 887 |
| 2Citrus County, FL | 74 | 11 | 1.5 | 228 | +11.1% | #73 of 887 |
| 3Santa Rosa County, FL | 72 | 18 | 2.5 | 168 | +11.7% | #96 of 887 |
| 4Highlands County, FL | 71 | 5 | 1.1 | 321 | +9.7% | #100 of 887 |
| 5Lake County, FL | 71 | 39 | 2.4 | 161 | +18.1% | #108 of 887 |
| 6St. Lucie County, FL | 67 | 33 | 2.4 | 157 | +21.4% | #148 of 887 |
| 7Marion County, FL | 65 | 45 | 2.7 | 130 | +17.3% | #175 of 887 |
| 8Pasco County, FL | 64 | 66 | 2.8 | 138 | +19.1% | #191 of 887 |
| 9Polk County, FL | 64 | 89 | 3.1 | 120 | +19.8% | #194 of 887 |
| 10Clay County, FL | 63 | 25 | 3.0 | 136 | +9.4% | #205 of 887 |
| 31Okaloosa County, FL | 34 | 54 | 6.3 | 64 | +4.6% | #731 of 887 |
Other business types in Okaloosa 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 estate31
- Real estate agents and brokers31
- Property management27
- Mortgage brokers and lenders34
- Home inspectors32
Funeral services
Questions
How many mortgage brokers and lenders are in Okaloosa County, FL?
Okaloosa County has 54 mortgage brokers and lenders on map listings as of September 2026. 18 of them (33%) 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 Okaloosa County, FL spend on rent and homeowner costs?
About $1.4B a year, or $15,899 per household. That is 5% below the U.S. average (an index of 95, where 100 is the U.S. average). For the 54 mortgage brokers and lenders on map listings, housing spending per office is 36% 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 85,411 households in Okaloosa County and national spending patterns by income.
How does Okaloosa County, FL compare with the U.S. for mortgage brokers and lenders?
Okaloosa County has 6.3 mortgage brokers and lenders per 10,000 households, 47% above the U.S. rate of 4.3. The index of housing spending per office is 64, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Okaloosa County would have about 35, against 54 on map listings. There is one business with payroll in the industry for every 3,559 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 Okaloosa County, FL growing?
Population estimates put Okaloosa County at 221,810 people in 2025, up 4.6% since 2020, faster than the U.S. (+3.1%). It has 85,411 households. The median household income in Okaloosa County is $81,998 a year, 2% above the U.S. median of $80,734. That rose 29.3% 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. Okaloosa County scores 34 for mortgage brokers and lenders (lower middle), #731 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Okaloosa 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 Okaloosa County
Screening a site or an acquisition in Okaloosa 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 Okaloosa 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.