Real estate · Metro area · Florida
Mortgage brokers and lenders in the Panama City-Panama City Beach, FL metro area
How the Panama City-Panama City Beach, 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 55 out of 100: Upper middle
Ranked #148 of 373 scored metro areas
#9 of 22 scored metro areas based in Florida
- Listings
- 34
- 11 chain locations (32%)
- Official establishments
- 14
- Businesses with payroll, 2023
- Household spending a year
- $1.3B
- On rent and homeowner costs · $14,908 a household
- Housing spending per listing (U.S. = 100)
- 99
- In line with the U.S.
- Listings per 10k households
- 3.9
- 9% below the U.S.
- Population, 2025
- 231,174
- +15.7% since 2020
See the mortgage brokers and lenders around any address in the Panama City-Panama City Beach 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 Panama City-Panama City Beach 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
As of September 2026, map listings count 34 mortgage brokers and lenders in the Panama City-Panama City Beach metro area. Of those, 11 are chain locations, or 32%, against 21% across the U.S. Per 10,000 households, that is 3.9, 9% below the U.S. rate of 4.3.
At $14,908 per household (11% below the U.S. average), households in the Panama City-Panama City Beach metro area spend about $1.3B a year on rent and homeowner costs. Housing spending per office is in line with 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 Panama City-Panama City Beach metro area was 14 in 2023. That is one for every 6,290 households, against one for every 4,897 across the U.S.
Between 2020 and 2025, the population of the Panama City-Panama City Beach metro area grew 15.7%, faster than the U.S. (+3.1%). For mortgage brokers and lenders, the Panama City-Panama City Beach metro area has a Groundwork market score of 55 (upper middle): #148 of 373 scored metro areas and #9 of 22 scored metro areas based in Florida.
How the Panama City-Panama City Beach 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 | Panama City-Panama City Beach metro area | Florida | U.S. |
|---|---|---|---|
| Listings per 10k households | 3.9 | 5.3 | 4.3 |
| Housing spending per listing (U.S. = 100) | 99 | 74 | 100 |
| Households per official establishment | 6,290 | 3,510 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +22.5% | +9.5% |
| Population growth, 2020–2025 | +15.7% | +8.7% | +3.1% |
| Spending per household on rent and homeowner costs | $14,908 | $15,326 | $16,661 |
| Median household income | $71,514 | $74,568 | $80,734 |
| Groundwork market score | 55 | 36 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 14
- Employees, 2023
- 69
- Annual payroll, 2023
- $7.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 3411 chain locations
- Listings at the U.S. rate for this spending
- 34The 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 Panama City-Panama City Beach 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 Panama City-Panama City Beach metro area
- Population, 2025 estimate
- 231,174+15.7% since 2020
- Households
- 88,065
- Median age
- 41.4
- Homes lived in by their owners
- 68%
- Vehicles per household
- 1.8
- Land area
- 1,343 sq. mi.
- People per square mile
- 158
- Median household income
- $71,514
- Average household income
- $94,187
- Median home value
- $294,300
- Jobs located here
- 85,476
- Daytime population
- 211,363Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Panama City-Panama City Beach 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 Panama City-Panama City Beach 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 Panama City-Panama City Beach 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 Panama City-Panama City Beach 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 estate34
- Real estate agents and brokers34
- Property management33
- Mortgage brokers and lenders55
- Home inspectors44
Funeral services
Questions
How many mortgage brokers and lenders are in the Panama City-Panama City Beach, FL metro area?
The Panama City-Panama City Beach metro area has 34 mortgage brokers and lenders on map listings as of September 2026. 11 of them (32%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 14 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Panama City-Panama City Beach, FL metro area spend on rent and homeowner costs?
About $1.3B a year, or $14,908 per household. That is 11% below the U.S. average (an index of 89, where 100 is the U.S. average). For the 34 mortgage brokers and lenders on map listings, housing spending per office is in line with 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 88,065 households in the Panama City-Panama City Beach metro area and national spending patterns by income.
How does the Panama City-Panama City Beach, FL metro area compare with the U.S. for mortgage brokers and lenders?
The Panama City-Panama City Beach metro area has 3.9 mortgage brokers and lenders per 10,000 households, 9% below the U.S. rate of 4.3. The index of housing spending per office is 99, where 100 is the U.S. The count on map listings matches the U.S. ratio of mortgage brokers and lenders to household spending. There is one business with payroll in the industry for every 6,290 households, against one for every 4,897 across the U.S.
How fast is the Panama City-Panama City Beach, FL metro area growing?
Population estimates put the Panama City-Panama City Beach metro area at 231,174 people in 2025, up 15.7% since 2020, faster than the U.S. (+3.1%). It has 88,065 households. The median household income in the Panama City-Panama City Beach metro area is $71,514 a year, 11% below the U.S. median of $80,734.
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 Panama City-Panama City Beach metro area scores 55 for mortgage brokers and lenders (upper middle), #148 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 Panama City-Panama City Beach 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 Panama City-Panama City Beach metro area
Screening a site or an acquisition in the Panama City-Panama City Beach 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 Panama City-Panama City Beach 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.