Real estate · County · Maryland
Mortgage brokers and lenders in Frederick County, MD
How Frederick County, MD compares with other counties and the U.S. for mortgage brokers and lenders: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 49 out of 100: Lower middle
Ranked #467 of 887 scored counties
#10 of 19 scored counties in Maryland
- Listings
- 66
- 18 chain locations (27%)
- Official establishments
- 29
- +20.8% since 2019
- Household spending a year
- $2B
- On rent and homeowner costs · $18,711 a household
- Housing spending per listing (U.S. = 100)
- 76
- 24% below the U.S.
- Listings per 10k households
- 6.3
- 47% above the U.S.
- Population, 2025
- 302,883
- +11.0% since 2020
See the mortgage brokers and lenders around any address in Frederick County
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 Frederick County. 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 66 mortgage brokers and lenders in Frederick County. Of those, 18 are chain locations, or 27%, against 21% across the U.S. Per 10,000 households, that is 6.3, 47% above the U.S. rate of 4.3.
Household spending on rent and homeowner costs in Frederick County comes to about $2B a year: $18,711 per household, 12% above the U.S. average. Housing spending per office is 24% 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.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in Frederick County was 29 in 2023, up 20.8% from 2019. That is one for every 3,608 households, against one for every 4,897 across the U.S.
Population estimates put the population change in Frederick County from 2020 to 2025 at +11.0%, faster than the U.S. (+3.1%). Frederick County scores 49 (lower middle) on the Groundwork market score for mortgage brokers and lenders, ranking #467 of 887 scored counties and #10 of 19 scored counties in Maryland.
How Frederick County 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 | Frederick County | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 6.3 | 4.6 | 4.3 |
| Housing spending per listing (U.S. = 100) | 76 | 98 | 100 |
| Households per official establishment | 3,608 | 4,242 | 4,897 |
| Official establishment growth, 2019–2023 | +20.8% | +5.9% | +9.5% |
| Population growth, 2020–2025 | +11.0% | +1.4% | +3.1% |
| Spending per household on rent and homeowner costs | $18,711 | $17,488 | $16,661 |
| Median household income | $122,002 | $103,678 | $80,734 |
| Groundwork market score | 49 | 39 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 24 → 29+20.8% over the period
- Employees, 2023
- 171
- Annual payroll, 2023
- $17.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6618 chain locations
- Listings at the U.S. rate for this spending
- 50The 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 Frederick County, 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 Frederick County
- Population, 2025 estimate
- 302,883+11.0% since 2020
- Households
- 104,635
- Median age
- 40.3
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.0
- Land area
- 661 sq. mi.
- People per square mile
- 434
- Median household income
- $122,002+24.8% vs. 2015–2019, before inflation
- Average household income
- $148,311
- Median home value
- $464,600
- Jobs located here
- 108,637
- Daytime population
- 254,360Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Frederick County?
These figures cover the whole county. 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 Frederick County. 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 counties in Maryland for mortgage brokers and lenders, numbered among those based in Maryland, with Frederick County marked.
Top counties in Maryland
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Prince George’s County, MD | 74 | 61 | 1.8 | 251 | +0.5% | #72 of 887 |
| 2St. Mary’s County, MD | 73 | 11 | 2.6 | 182 | +2.4% | #80 of 887 |
| 3Washington County, MD | 68 | 12 | 2.0 | 196 | +2.0% | #132 of 887 |
| 4Cecil County, MD | 67 | 10 | 2.5 | 169 | +3.2% | #146 of 887 |
| 5Charles County, MD | 64 | 28 | 4.6 | 103 | +5.9% | #196 of 887 |
| 6Baltimore city, MD | 55 | 47 | 1.8 | 201 | −2.3% | #325 of 887 |
| 7Wicomico County, MD | 55 | 13 | 3.2 | 121 | +3.2% | #333 of 887 |
| 8Carroll County, MD | 54 | 22 | 3.4 | 137 | +2.2% | #346 of 887 |
| 9Harford County, MD | 49 | 40 | 3.9 | 116 | +2.0% | #457 of 887 |
| 10Frederick County, MD | 49 | 66 | 6.3 | 76 | +11.0% | #467 of 887 |
Other business types in Frederick County
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 estate50
- Real estate agents and brokers52
- Property management71
- Mortgage brokers and lenders49
- Home inspectors57
Funeral services
Questions
How many mortgage brokers and lenders are in Frederick County, MD?
Frederick County has 66 mortgage brokers and lenders on map listings as of September 2026. 18 of them (27%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 29 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 20.8% from 2019.
How much do households in Frederick County, MD spend on rent and homeowner costs?
About $2B a year, or $18,711 per household. That is 12% above the U.S. average (an index of 112, where 100 is the U.S. average). For the 66 mortgage brokers and lenders on map listings, housing spending per office is 24% 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 104,635 households in Frederick County and national spending patterns by income.
How does Frederick County, MD compare with the U.S. for mortgage brokers and lenders?
Frederick County has 6.3 mortgage brokers and lenders per 10,000 households, 47% above the U.S. rate of 4.3. The index of housing spending per office is 76, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Frederick County would have about 50, against 66 on map listings. There is one business with payroll in the industry for every 3,608 households, against one for every 4,897 across the U.S. The official count rose 20.8% from 2019 to 2023, against +9.5% for the U.S.
How fast is Frederick County, MD growing?
Population estimates put Frederick County at 302,883 people in 2025, up 11.0% since 2020, faster than the U.S. (+3.1%). It has 104,635 households. The median household income in Frederick County is $122,002 a year, 51% above the U.S. median of $80,734. That rose 24.8% 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. 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. Frederick County scores 49 for mortgage brokers and lenders (lower middle), #467 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Frederick County. 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 Frederick County
Screening a site or an acquisition in Frederick County?
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 Frederick County. 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.