Real estate · Metro area · Florida
Mortgage brokers and lenders in the Palm Bay-Melbourne-Titusville, FL metro area
How the Palm Bay-Melbourne-Titusville, FL metro area compares with other metro areas and the U.S. for mortgage brokers and lenders: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 52 out of 100: Upper middle
Ranked #168 of 373 scored metro areas
#10 of 22 scored metro areas based in Florida
- Listings
- 105
- 20 chain locations (19%)
- Official establishments
- 48
- +23.1% since 2019
- Household spending a year
- $4B
- On rent and homeowner costs · $15,525 a household
- Housing spending per listing (U.S. = 100)
- 98
- 2% below the U.S.
- Listings per 10k households
- 4.1
- 5% below the U.S.
- Population, 2025
- 663,982
- +9.1% since 2020
See the mortgage brokers and lenders around any address in the Palm Bay-Melbourne-Titusville 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 Palm Bay-Melbourne-Titusville 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
Households in the Palm Bay-Melbourne-Titusville metro area spend about $4B a year on rent and homeowner costs, or $15,525 per household, 7% below the U.S. average. Housing spending per office is 2% 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.
The Palm Bay-Melbourne-Titusville metro area has 105 mortgage brokers and lenders on map listings as of September 2026. Chain locations make up 19% of them, against 21% across the U.S. That is 4.1 per 10,000 households, 5% below the U.S. rate of 4.3.
In 2023, official counts showed 48 businesses with payroll in the Palm Bay-Melbourne-Titusville metro area classed as mortgage brokers and real estate lenders, up 23.1% from 2019. That is one for every 5,369 households, against one for every 4,897 across the U.S. Since fiscal 2022, 2 SBA-backed loans worth $584K have gone to businesses classed as mortgage brokers and real estate lenders in the Palm Bay-Melbourne-Titusville metro area.
Between 2020 and 2025, the population of the Palm Bay-Melbourne-Titusville metro area grew 9.1%, faster than the U.S. (+3.1%). The Groundwork market score for mortgage brokers and lenders in the Palm Bay-Melbourne-Titusville metro area is 52 (upper middle), #168 of 373 scored metro areas and #10 of 22 scored metro areas based in Florida.
How the Palm Bay-Melbourne-Titusville metro area 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 | Palm Bay-Melbourne-Titusville metro area | Florida | U.S. |
|---|---|---|---|
| Listings per 10k households | 4.1 | 5.3 | 4.3 |
| Housing spending per listing (U.S. = 100) | 98 | 74 | 100 |
| Households per official establishment | 5,369 | 3,510 | 4,897 |
| Official establishment growth, 2019–2023 | +23.1% | +22.5% | +9.5% |
| Population growth, 2020–2025 | +9.1% | +8.7% | +3.1% |
| Spending per household on rent and homeowner costs | $15,525 | $15,326 | $16,661 |
| Median household income | $78,476 | $74,568 | $80,734 |
| Groundwork market score | 52 | 36 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 48+23.1% over the period
- Employees, 2023
- 141
- Annual payroll, 2023
- $13.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 10520 chain locations
- Listings at the U.S. rate for this spending
- 103The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 2
- Amount
- $584K
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in the Palm Bay-Melbourne-Titusville 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 Palm Bay-Melbourne-Titusville metro area
- Population, 2025 estimate
- 663,982+9.1% since 2020
- Households
- 257,695
- Median age
- 46.2
- Homes lived in by their owners
- 77%
- Vehicles per household
- 1.8
- Land area
- 1,015 sq. mi.
- People per square mile
- 623
- Median household income
- $78,476+38.2% vs. 2015–2019, before inflation
- Average household income
- $105,213
- Median home value
- $339,600
- Jobs located here
- 240,501
- Daytime population
- 606,489Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Palm Bay-Melbourne-Titusville 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 Palm Bay-Melbourne-Titusville 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 Florida
Every Florida market ranked →The highest-scoring metro areas in Florida for mortgage brokers and lenders, numbered among those based in Florida, with the Palm Bay-Melbourne-Titusville metro area marked.
Top metro areas in Florida
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Wildwood-The Villages, FL | 85 | 9 | 1.3 | 302 | +21.1% | #2 of 373 |
| 2Homosassa Springs, FL | 72 | 11 | 1.5 | 228 | +11.1% | #23 of 373 |
| 3Sebring, FL | 71 | 5 | 1.1 | 321 | +9.7% | #27 of 373 |
| 4Tallahassee, FL | 64 | 38 | 2.4 | 154 | +3.1% | #65 of 373 |
| 5Ocala, FL | 63 | 45 | 2.7 | 130 | +17.3% | #75 of 373 |
| 6Lakeland-Winter Haven, FL | 63 | 89 | 3.1 | 120 | +19.8% | #77 of 373 |
| 7Gainesville, FL | 60 | 42 | 2.9 | 125 | +5.4% | #100 of 373 |
| 8Pensacola-Ferry Pass-Brent, FL | 57 | 65 | 3.2 | 121 | +6.5% | #124 of 373 |
| 9Panama City-Panama City Beach, FL | 55 | 34 | 3.9 | 99 | +15.7% | #148 of 373 |
| 10Palm Bay-Melbourne-Titusville, FL | 52 | 105 | 4.1 | 98 | +9.1% | #168 of 373 |
Other business types in the Palm Bay-Melbourne-Titusville 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 estate36
- Real estate agents and brokers35
- Property management48
- Mortgage brokers and lenders52
- Home inspectors32
Funeral services
Questions
How many mortgage brokers and lenders are in the Palm Bay-Melbourne-Titusville, FL metro area?
Map listings as of September 2026 show 105 mortgage brokers and lenders in the Palm Bay-Melbourne-Titusville metro area. 20 of them (19%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 48 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 23.1% from 2019.
How much do households in the Palm Bay-Melbourne-Titusville, FL metro area spend on rent and homeowner costs?
About $4B a year, or $15,525 per household. That is 7% below the U.S. average (an index of 93, where 100 is the U.S. average). For the 105 mortgage brokers and lenders on map listings, housing spending per office is 2% 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. It is estimated from the incomes of the 257,695 households in the Palm Bay-Melbourne-Titusville metro area and national spending patterns by income.
How does the Palm Bay-Melbourne-Titusville, FL metro area compare with the U.S. for mortgage brokers and lenders?
The Palm Bay-Melbourne-Titusville metro area has 4.1 mortgage brokers and lenders per 10,000 households, 5% below the U.S. rate of 4.3. The index of housing spending per office is 98, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, the Palm Bay-Melbourne-Titusville metro area would have about 103, against 105 on map listings. There is one business with payroll in the industry for every 5,369 households, against one for every 4,897 across the U.S. The official count rose 23.1% from 2019 to 2023, against +9.5% for the U.S.
How fast is the Palm Bay-Melbourne-Titusville, FL metro area growing?
Population estimates put the Palm Bay-Melbourne-Titusville metro area at 663,982 people in 2025, up 9.1% since 2020, faster than the U.S. (+3.1%). It has 257,695 households. Median household income in the Palm Bay-Melbourne-Titusville metro area is $78,476, 3% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 38.2%, 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 Palm Bay-Melbourne-Titusville metro area scores 52 for mortgage brokers and lenders (upper middle), #168 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 Palm Bay-Melbourne-Titusville 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 Palm Bay-Melbourne-Titusville metro area
Screening a site or an acquisition in the Palm Bay-Melbourne-Titusville 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 Palm Bay-Melbourne-Titusville 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.