Real estate · County · Maryland
Mortgage brokers and lenders in Harford County, MD
Competitor counts, household spending and official business counts for mortgage brokers and lenders in Harford County, MD, set against other counties and the U.S.
Groundwork market score · out of 100
Score 49 out of 100: Lower middle
Ranked #457 of 887 scored counties
#9 of 19 scored counties in Maryland
- Listings
- 40
- 8 chain locations (20%)
- Official establishments
- 27
- +8.0% since 2019
- Household spending a year
- $1.8B
- On rent and homeowner costs · $17,725 a household
- Housing spending per listing (U.S. = 100)
- 116
- 16% above the U.S.
- Listings per 10k households
- 3.9
- 9% below the U.S.
- Population, 2025
- 266,446
- +2.0% since 2020
See the mortgage brokers and lenders around any address in Harford 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 Harford 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 40 mortgage brokers and lenders in Harford County. 8 of them (20%) are chain locations, against 21% across the U.S. That comes to 3.9 for every 10,000 households, 9% below the U.S. rate of 4.3.
Household spending on rent and homeowner costs in Harford County comes to about $1.8B a year: $17,725 per household, 6% above the U.S. average. Housing spending per office is 16% 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.
In 2023, official counts showed 27 businesses with payroll in Harford County classed as mortgage brokers and real estate lenders, up 8.0% from 2019. That is one for every 3,770 households, against one for every 4,897 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $50K has gone to businesses classed as mortgage brokers and real estate lenders in Harford County.
Between 2020 and 2025, the population of Harford County grew 2.0%, slower than the U.S. (+3.1%). The Groundwork market score for mortgage brokers and lenders in Harford County is 49 (lower middle), #457 of 887 scored counties and #9 of 19 scored counties in Maryland.
How Harford 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 | Harford County | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 3.9 | 4.6 | 4.3 |
| Housing spending per listing (U.S. = 100) | 116 | 98 | 100 |
| Households per official establishment | 3,770 | 4,242 | 4,897 |
| Official establishment growth, 2019–2023 | +8.0% | +5.9% | +9.5% |
| Population growth, 2020–2025 | +2.0% | +1.4% | +3.1% |
| Spending per household on rent and homeowner costs | $17,725 | $17,488 | $16,661 |
| Median household income | $112,265 | $103,678 | $80,734 |
| Groundwork market score | 49 | 39 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 25 → 27+8.0% over the period
- Employees, 2023
- 83
- Annual payroll, 2023
- $5.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 408 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
- 1
- Amount
- $50K
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in Harford 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 Harford County
- Population, 2025 estimate
- 266,446+2.0% since 2020
- Households
- 101,795
- Median age
- 41.6
- Homes lived in by their owners
- 80%
- Vehicles per household
- 1.9
- Land area
- 437 sq. mi.
- People per square mile
- 603
- Median household income
- $112,265+25.9% vs. 2015–2019, before inflation
- Average household income
- $133,186
- Median home value
- $386,400
- Jobs located here
- 87,506
- Daytime population
- 226,500Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Harford 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 Harford 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 Harford 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 Harford 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 estate44
- Real estate agents and brokers47
- Property management64
- Mortgage brokers and lenders49
- Home inspectors56
Funeral services
Questions
How many mortgage brokers and lenders are in Harford County, MD?
Harford County has 40 mortgage brokers and lenders on map listings as of September 2026. 8 of them (20%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 27 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 8.0% from 2019.
How much do households in Harford County, MD spend on rent and homeowner costs?
About $1.8B a year, or $17,725 per household. That is 6% above the U.S. average (an index of 106, where 100 is the U.S. average). For the 40 mortgage brokers and lenders on map listings, housing spending per office is 16% 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 101,795 households in Harford County and national spending patterns by income.
How does Harford County, MD compare with the U.S. for mortgage brokers and lenders?
Harford County has 3.9 mortgage brokers and lenders per 10,000 households, 9% below the U.S. rate of 4.3. The index of housing spending per office is 116, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Harford County would have about 46, against 40 on map listings. There is one business with payroll in the industry for every 3,770 households, against one for every 4,897 across the U.S. The official count rose 8.0% from 2019 to 2023, against +9.5% for the U.S.
How fast is Harford County, MD growing?
Population estimates put Harford County at 266,446 people in 2025, up 2.0% since 2020, slower than the U.S. (+3.1%). It has 101,795 households. The median household income in Harford County is $112,265 a year, 39% above the U.S. median of $80,734. That rose 25.9% 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. Harford County scores 49 for mortgage brokers and lenders (lower middle), #457 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Harford 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 Harford County
Screening a site or an acquisition in Harford 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 Harford 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.