Real estate · Small-town market · Indiana
Mortgage brokers and lenders in the Richmond, IN area
How the Richmond, IN area compares with other small-town markets and the U.S. for mortgage brokers and lenders: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 34 out of 100: Lower middle
Ranked #139 of 177 scored small-town markets
#4 of 5 scored small-town markets based in Indiana
- Listings
- 7
- 4 chain locations (57%)
- Official establishments
- n/a
- Fewer than 3, or not published
- Household spending a year
- $338.8M
- On rent and homeowner costs · $12,561 a household
- Housing spending per listing (U.S. = 100)
- 124
- 24% above the U.S.
- Listings per 10k households
- 2.6
- 40% below the U.S.
- Population, 2025
- 66,169
- −0.5% since 2020
See the mortgage brokers and lenders around any address in the Richmond 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 Richmond 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
The Richmond area scores 34 (lower middle) on the Groundwork market score for mortgage brokers and lenders, ranking #139 of 177 scored small-town markets and #4 of 5 scored small-town markets based in Indiana. That puts it in the bottom quarter of small-town markets.
Households in the Richmond area spend about $338.8M a year on rent and homeowner costs, or $12,561 per household, 25% below the U.S. average. Housing spending per office is 24% above 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 Richmond area has 7 mortgage brokers and lenders on map listings as of September 2026. Chain locations make up 57% of them, against 21% across the U.S. Per 10,000 households, that is 2.6, 40% below the U.S. rate of 4.3.
Official counts don’t publish a figure for mortgage brokers and real estate lenders in the Richmond area, since they leave out counts under 3. Population estimates show the Richmond area declined 0.5% from 2020 to 2025, against +3.1% for the U.S.
How the Richmond area compares
The same measures for Indiana 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 | Richmond area | Indiana | U.S. |
|---|---|---|---|
| Listings per 10k households | 2.6 | 3.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 124 | 114 | 100 |
| Households per official establishment | n/a | 7,872 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +10.6% | +9.5% |
| Population growth, 2020–2025 | −0.5% | +2.7% | +3.1% |
| Spending per household on rent and homeowner costs | $12,561 | $13,818 | $16,661 |
| Median household income | $55,692 | $71,957 | $80,734 |
| Groundwork market score | 34 | 50 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- n/a
- Employees, 2023
- n/a
- Annual payroll, 2023
- n/a
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 74 chain locations
- Listings at the U.S. rate for this spending
- 9The 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 Richmond 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 Richmond area
- Population, 2025 estimate
- 66,169−0.5% since 2020
- Households
- 26,975
- Median age
- 41.4
- Homes lived in by their owners
- 69%
- Vehicles per household
- 1.8
- Land area
- 402 sq. mi.
- People per square mile
- 165
- Median household income
- $55,692+19.7% vs. 2015–2019, before inflation
- Average household income
- $79,425
- Median home value
- $140,200
- Jobs located here
- 29,039
- Daytime population
- 66,064Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Richmond 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 Richmond 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 Indiana
Every Indiana market ranked →The highest-scoring small-town markets in Indiana for mortgage brokers and lenders, numbered among those based in Indiana, with the Richmond area marked.
Top small-town markets in Indiana
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Warsaw, IN | 54 | 8 | 2.5 | 141 | +0.9% | #76 of 177 |
| 2Bedford, IN | 45 | 5 | 2.6 | 128 | +1.2% | #107 of 177 |
| 3Marion, IN | 35 | 11 | 4.1 | 76 | 0.0% | #138 of 177 |
| 4Richmond, IN | 34 | 7 | 2.6 | 124 | −0.5% | #139 of 177 |
| 5Vincennes, IN | 26 | 5 | 3.3 | 101 | −1.7% | #165 of 177 |
Other business types in the Richmond 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 estate28
- Real estate agents and brokers29
- Property management38
- Mortgage brokers and lenders34
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Richmond, IN area?
Map listings as of September 2026 show 7 mortgage brokers and lenders in the Richmond area. 4 of them (57%) are chain locations. The listings count mortgage brokers and mortgage lenders. No official count is published for mortgage brokers and real estate lenders in the Richmond area: counts under 3 are left out.
How much do households in the Richmond, IN area spend on rent and homeowner costs?
About $338.8M a year, or $12,561 per household. That is 25% below the U.S. average (an index of 75, where 100 is the U.S. average). For the 7 mortgage brokers and lenders on map listings, housing spending per office is 24% above 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 26,975 households in the Richmond area and national spending patterns by income.
How does the Richmond, IN area compare with the U.S. for mortgage brokers and lenders?
The Richmond area has 2.6 mortgage brokers and lenders per 10,000 households, 40% below the U.S. rate of 4.3. The index of housing spending per office is 124, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, the Richmond area would have about 9, against 7 on map listings.
How fast is the Richmond, IN area growing?
Population estimates put the Richmond area at 66,169 people in 2025, down 0.5% since 2020, against +3.1% for the U.S. It has 26,975 households. Median household income in the Richmond area is $55,692, 31% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 19.7%, 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 Richmond area scores 34 for mortgage brokers and lenders (lower middle), #139 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 Richmond 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 Richmond area
Screening a site or an acquisition in the Richmond 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 Richmond 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.