Real estate · Small-town market · Maryland
Mortgage brokers and lenders in the Cumberland, MD-WV area
How the Cumberland, MD-WV 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
- 2 chain locations (50%)
- Official establishments
- n/a
- Fewer than 3, or not published
- Household spending a year
- $528.1M
- On rent and homeowner costs · $13,716 a household
- Housing spending per listing (U.S. = 100)
- 338
- 3.4 times the U.S.
- Listings per 10k households
- 1.0
- 77% below the U.S.
- Population, 2025
- 93,640
- −1.3% since 2020
See the mortgage brokers and lenders around any address in the Cumberland 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 Cumberland 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 4 mortgage brokers and lenders in the Cumberland area. That is 1.0 per 10,000 households, 77% below the U.S. rate of 4.3.
At $13,716 per household (18% below the U.S. average), households in the Cumberland area spend about $528.1M a year on rent and homeowner costs. Housing spending per office is 3.4 times 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 Cumberland area: counts under 3 aren’t published.
Population estimates show the Cumberland area declined 1.3% from 2020 to 2025, against +3.1% for the U.S. With 4 mortgage brokers and lenders on map listings, the Cumberland area isn’t given a market score: the score needs at least 5, since one listing more or less would swing it.
How the Cumberland area compares
The same measures for Maryland 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 | Cumberland area | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 1.0 | 4.6 | 4.3 |
| Housing spending per listing (U.S. = 100) | 338 | 98 | 100 |
| Households per official establishment | n/a | 4,242 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +5.9% | +9.5% |
| Population growth, 2020–2025 | −1.3% | +1.4% | +3.1% |
| Spending per household on rent and homeowner costs | $13,716 | $17,488 | $16,661 |
| Median household income | $62,091 | $103,678 | $80,734 |
| Groundwork market score | Not scored | 39 |
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
- 42 chain locations
- Listings at the U.S. rate for this spending
- 14The 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 Cumberland 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 Cumberland area
- Population, 2025 estimate
- 93,640−1.3% since 2020
- Households
- 38,502
- Median age
- 43.4
- Homes lived in by their owners
- 74%
- Vehicles per household
- 1.8
- Land area
- 750 sq. mi.
- People per square mile
- 126
- Median household income
- $62,091+31.2% vs. 2015–2019, before inflation
- Average household income
- $79,556
- Median home value
- $161,600
- Jobs located here
- 34,329
- Daytime population
- 91,951Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Cumberland 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 Cumberland 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 Maryland
Every Maryland market ranked →The highest-scoring small-town markets in Maryland for mortgage brokers and lenders, numbered among those based in Maryland, with the Cumberland area marked.
Top small-town markets in Maryland
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Easton, MD | 39 | 9 | 5.5 | 76 | +2.0% | #128 of 177 |
| 2Ocean Pines, MD | 32 | 25 | 10.4 | 40 | +3.7% | #151 of 177 |
| Cumberland, MD-WV | Not scored | 4 | 1.0 | 338 | −1.3% |
Other business types in the Cumberland 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 estate61
- Real estate agents and brokers61
- Property management56
- Mortgage brokers and lenders
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Cumberland, MD-WV area?
The Cumberland area has 4 mortgage brokers and lenders on map listings 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 Cumberland area: counts under 3 are left out.
How much do households in the Cumberland, MD-WV area spend on rent and homeowner costs?
About $528.1M a year, or $13,716 per household. That is 18% below the U.S. average (an index of 82, where 100 is the U.S. average). For the 4 mortgage brokers and lenders on map listings, housing spending per office is 3.4 times 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 38,502 households in the Cumberland area and national spending patterns by income.
How does the Cumberland, MD-WV area compare with the U.S. for mortgage brokers and lenders?
The Cumberland area has 1.0 mortgage brokers and lenders per 10,000 households, 77% below the U.S. rate of 4.3. The index of housing spending per office is 338, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Cumberland area would have about 14, against 4 on map listings.
How fast is the Cumberland, MD-WV area growing?
Population estimates put the Cumberland area at 93,640 people in 2025, down 1.3% since 2020, against +3.1% for the U.S. It has 38,502 households. The median household income in the Cumberland area is $62,091 a year, 23% below the U.S. median of $80,734. That rose 31.2% 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 Cumberland 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 Cumberland 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 Cumberland area
Screening a site or an acquisition in the Cumberland 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 Cumberland 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.