Real estate · Metro area · Maryland
Mortgage brokers and lenders in the Hagerstown-Martinsburg, MD-WV metro area
The mortgage brokers and lenders in the Hagerstown-Martinsburg, MD-WV metro area, the household spending behind them and how the market ranks against other metro areas.
Groundwork market score · out of 100
Score 65 out of 100: Upper middle
Ranked #59 of 373 scored metro areas
#1 of 4 scored metro areas based in Maryland
- Listings
- 30
- 11 chain locations (37%)
- Official establishments
- 19
- Businesses with payroll, 2023
- Household spending a year
- $1.8B
- On rent and homeowner costs · $15,260 a household
- Housing spending per listing (U.S. = 100)
- 154
- 54% above the U.S.
- Listings per 10k households
- 2.5
- 42% below the U.S.
- Population, 2025
- 315,280
- +7.1% since 2020
See the mortgage brokers and lenders around any address in the Hagerstown-Martinsburg 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 Hagerstown-Martinsburg 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 30 mortgage brokers and lenders in the Hagerstown-Martinsburg metro area. Of those, 11 are chain locations, or 37%, against 21% across the U.S. That is 2.5 per 10,000 households, 42% below the U.S. rate of 4.3.
Household spending on rent and homeowner costs in the Hagerstown-Martinsburg metro area comes to about $1.8B a year: $15,260 per household, 8% below the U.S. average. Housing spending per office is 54% 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.
Official counts show 19 businesses with payroll classed as mortgage brokers and real estate lenders in the Hagerstown-Martinsburg metro area in 2023. That is one for every 6,220 households, against one for every 4,897 across the U.S.
Population estimates show the Hagerstown-Martinsburg metro area grew 7.1% from 2020 to 2025, faster than the U.S. (+3.1%). The Groundwork market score for mortgage brokers and lenders in the Hagerstown-Martinsburg metro area is 65 (upper middle), #59 of 373 scored metro areas and #1 of 4 scored metro areas based in Maryland. That puts it in the top quarter of metro areas.
How the Hagerstown-Martinsburg metro 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 | Hagerstown-Martinsburg metro area | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 2.5 | 4.6 | 4.3 |
| Housing spending per listing (U.S. = 100) | 154 | 98 | 100 |
| Households per official establishment | 6,220 | 4,242 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +5.9% | +9.5% |
| Population growth, 2020–2025 | +7.1% | +1.4% | +3.1% |
| Spending per household on rent and homeowner costs | $15,260 | $17,488 | $16,661 |
| Median household income | $78,802 | $103,678 | $80,734 |
| Groundwork market score | 65 | 39 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 19
- Employees, 2023
- 79
- Annual payroll, 2023
- $4.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 3011 chain locations
- Listings at the U.S. rate for this spending
- 46The 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 Hagerstown-Martinsburg 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 Hagerstown-Martinsburg metro area
- Population, 2025 estimate
- 315,280+7.1% since 2020
- Households
- 118,181
- Median age
- 41.0
- Homes lived in by their owners
- 72%
- Vehicles per household
- 1.9
- Land area
- 1,008 sq. mi.
- People per square mile
- 300
- Median household income
- $78,802+28.9% vs. 2015–2019, before inflation
- Average household income
- $97,922
- Median home value
- $278,100
- Jobs located here
- 107,689
- Daytime population
- 269,788Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Hagerstown-Martinsburg 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 Hagerstown-Martinsburg 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 Maryland
Every Maryland market ranked →The highest-scoring metro areas in Maryland for mortgage brokers and lenders, numbered among those based in Maryland (a market based in another state is listed without a number), with the Hagerstown-Martinsburg metro area marked.
Top metro areas in Maryland
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Hagerstown-Martinsburg, MD-WV | 65 | 30 | 2.5 | 154 | +7.1% | #59 of 373 |
| 2Salisbury, MD | 59 | 14 | 2.9 | 133 | +2.9% | #109 of 373 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | 54 | 958 | 3.9 | 126 | +1.4% | #152 of 373 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 52 | 1,080 | 4.6 | 107 | +3.3% | #166 of 373 |
| 3Lexington Park, MD | 48 | 39 | 5.1 | 94 | +2.1% | #200 of 373 |
| 4Baltimore-Columbia-Towson, MD | 34 | 558 | 5.0 | 88 | +0.4% | #325 of 373 |
Other business types in the Hagerstown-Martinsburg 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 estate69
- Real estate agents and brokers70
- Property management67
- Mortgage brokers and lenders65
- Home inspectors65
Funeral services
Questions
How many mortgage brokers and lenders are in the Hagerstown-Martinsburg, MD-WV metro area?
The Hagerstown-Martinsburg metro area has 30 mortgage brokers and lenders on map listings as of September 2026. 11 of them (37%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 19 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Hagerstown-Martinsburg, MD-WV metro area spend on rent and homeowner costs?
About $1.8B a year, or $15,260 per household. That is 8% below the U.S. average (an index of 92, where 100 is the U.S. average). For the 30 mortgage brokers and lenders on map listings, housing spending per office is 54% 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. It is estimated from the incomes of the 118,181 households in the Hagerstown-Martinsburg metro area and national spending patterns by income.
How does the Hagerstown-Martinsburg, MD-WV metro area compare with the U.S. for mortgage brokers and lenders?
The Hagerstown-Martinsburg metro area has 2.5 mortgage brokers and lenders per 10,000 households, 42% below the U.S. rate of 4.3. The index of housing spending per office is 154, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Hagerstown-Martinsburg metro area would have about 46, against 30 on map listings. There is one business with payroll in the industry for every 6,220 households, against one for every 4,897 across the U.S.
How fast is the Hagerstown-Martinsburg, MD-WV metro area growing?
Population estimates put the Hagerstown-Martinsburg metro area at 315,280 people in 2025, up 7.1% since 2020, faster than the U.S. (+3.1%). It has 118,181 households. The median household income in the Hagerstown-Martinsburg metro area is $78,802 a year, 2% below the U.S. median of $80,734. That rose 28.9% 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. The Hagerstown-Martinsburg metro area scores 65 for mortgage brokers and lenders (upper middle), #59 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 Hagerstown-Martinsburg 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 Hagerstown-Martinsburg metro area
Screening a site or an acquisition in the Hagerstown-Martinsburg 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 Hagerstown-Martinsburg 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.