Real estate · Small-town market · Iowa
Mortgage brokers and lenders in the Spirit Lake, IA area
How the Spirit Lake, IA 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
Not scored
The score needs at least 5 listings; this market has 4.
- Listings
- 4
- 0 chain locations (0%)
- Official establishments
- n/a
- Fewer than 3, or not published
- Household spending a year
- $127.4M
- On rent and homeowner costs · $14,405 a household
- Housing spending per listing (U.S. = 100)
- 82
- 18% below the U.S.
- Listings per 10k households
- 4.5
- 5% above the U.S.
- Population, 2025
- 18,077
- +1.7% since 2020
See the mortgage brokers and lenders around any address in the Spirit Lake 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 Spirit Lake 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
Map listings as of September 2026 show 4 mortgage brokers and lenders in the Spirit Lake area. That comes to 4.5 for every 10,000 households, 5% above the U.S. rate of 4.3.
At $14,405 per household (14% below the U.S. average), households in the Spirit Lake area spend about $127.4M a year on rent and homeowner costs. Housing spending per office is 18% 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.
There is no official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Spirit Lake area: counts under 3 aren’t published.
Population estimates show the Spirit Lake area grew 1.7% from 2020 to 2025, slower than the U.S. (+3.1%). With 4 mortgage brokers and lenders on map listings, the Spirit Lake area isn’t given a market score: the score needs at least 5, since one listing more or less would swing it.
How the Spirit Lake area compares
The same measures for Iowa 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 | Spirit Lake area | Iowa | U.S. |
|---|---|---|---|
| Listings per 10k households | 4.5 | 2.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 82 | 180 | 100 |
| Households per official establishment | n/a | 10,874 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +22.2% | +9.5% |
| Population growth, 2020–2025 | +1.7% | +1.5% | +3.1% |
| Spending per household on rent and homeowner costs | $14,405 | $14,016 | $16,661 |
| Median household income | $75,432 | $75,059 | $80,734 |
| Groundwork market score | Not scored | 63 |
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
- 40 chain locations
- Listings at the U.S. rate for this spending
- 3The 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 Spirit Lake 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 Spirit Lake area
- Population, 2025 estimate
- 18,077+1.7% since 2020
- Households
- 8,845
- Median age
- 48.9
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.0
- Land area
- 381 sq. mi.
- People per square mile
- 47
- Median household income
- $75,432+25.8% vs. 2015–2019, before inflation
- Average household income
- $102,164
- Median home value
- $270,700
- Jobs located here
- 10,412
- Daytime population
- 20,071Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Spirit Lake 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 Spirit Lake area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardOther business types in the Spirit Lake 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 estate29
- Real estate agents and brokers29
- Property management
- Mortgage brokers and lenders
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Spirit Lake, IA area?
There are 4 mortgage brokers and lenders on map listings in the Spirit Lake area as of September 2026. The listings count mortgage brokers and mortgage lenders. No official count is published for mortgage brokers and real estate lenders in the Spirit Lake area: counts under 3 are left out.
How much do households in the Spirit Lake, IA area spend on rent and homeowner costs?
About $127.4M a year, or $14,405 per household. That is 14% below the U.S. average (an index of 86, where 100 is the U.S. average). For the 4 mortgage brokers and lenders on map listings, housing spending per office is 18% 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 8,845 households in the Spirit Lake area and national spending patterns by income.
How does the Spirit Lake, IA area compare with the U.S. for mortgage brokers and lenders?
The Spirit Lake area has 4.5 mortgage brokers and lenders per 10,000 households, 5% above the U.S. rate of 4.3. The index of housing spending per office is 82, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Spirit Lake area would have about 3, against 4 on map listings.
How fast is the Spirit Lake, IA area growing?
Population estimates put the Spirit Lake area at 18,077 people in 2025, up 1.7% since 2020, slower than the U.S. (+3.1%). It has 8,845 households. The median household income in the Spirit Lake area is $75,432 a year, 7% below the U.S. median of $80,734. That rose 25.8% 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. 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 Spirit Lake area has no market score for mortgage brokers and lenders: the score needs at least 5 on map listings, and it has 4.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Spirit Lake 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 Spirit Lake area
Screening a site or an acquisition in the Spirit Lake 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 Spirit Lake 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.