Real estate · County · Maryland
Mortgage brokers and lenders in St. Mary’s County, MD
How St. Mary’s 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 73 out of 100: Upper middle
Ranked #80 of 887 scored counties
#2 of 19 scored counties in Maryland
- Listings
- 11
- 2 chain locations (18%)
- Official establishments
- 5
- Businesses with payroll, 2023
- Household spending a year
- $779.4M
- On rent and homeowner costs · $18,366 a household
- Housing spending per listing (U.S. = 100)
- 182
- 82% above the U.S.
- Listings per 10k households
- 2.6
- 40% below the U.S.
- Population, 2025
- 116,692
- +2.4% since 2020
See the mortgage brokers and lenders around any address in St. Mary’s 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 St. Mary’s 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
St. Mary’s County scores 73 (upper middle) on the Groundwork market score for mortgage brokers and lenders, ranking #80 of 887 scored counties and #2 of 19 scored counties in Maryland. That puts it in the top 10% of counties for mortgage brokers and lenders.
Households in St. Mary’s County spend about $779.4M a year on rent and homeowner costs, or $18,366 per household, 10% above the U.S. average. Housing spending per office is 82% 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.
St. Mary’s County has 11 mortgage brokers and lenders on map listings as of September 2026. Chain locations make up 18% of them, against 21% across the U.S. Per 10,000 households, that is 2.6, 40% below the U.S. rate of 4.3.
In 2023, official counts showed 5 businesses with payroll in St. Mary’s County classed as mortgage brokers and real estate lenders. That is one for every 8,487 households, against one for every 4,897 across the U.S. Between 2020 and 2025, the population of St. Mary’s County grew 2.4%, slower than the U.S. (+3.1%).
How St. Mary’s 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 | St. Mary’s County | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 2.6 | 4.6 | 4.3 |
| Housing spending per listing (U.S. = 100) | 182 | 98 | 100 |
| Households per official establishment | 8,487 | 4,242 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +5.9% | +9.5% |
| Population growth, 2020–2025 | +2.4% | +1.4% | +3.1% |
| Spending per household on rent and homeowner costs | $18,366 | $17,488 | $16,661 |
| Median household income | $119,446 | $103,678 | $80,734 |
| Groundwork market score | 73 | 39 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 3 → 5
- Employees, 2023
- 22
- Annual payroll, 2023
- $2.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 112 chain locations
- Listings at the U.S. rate for this spending
- 20The 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 St. Mary’s 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 St. Mary’s County
- Population, 2025 estimate
- 116,692+2.4% since 2020
- Households
- 42,436
- Median age
- 38.0
- Homes lived in by their owners
- 73%
- Vehicles per household
- 2.1
- Land area
- 359 sq. mi.
- People per square mile
- 321
- Median household income
- $119,446+33.0% vs. 2015–2019, before inflation
- Average household income
- $142,976
- Median home value
- $407,600
- Jobs located here
- 35,732
- Daytime population
- 104,060Residents who don’t work, plus everyone whose job is here
Looking at a specific site in St. Mary’s 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 St. Mary’s 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 St. Mary’s 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 St. Mary’s 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 estate53
- Real estate agents and brokers54
- Property management75
- Mortgage brokers and lenders73
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in St. Mary’s County, MD?
Map listings as of September 2026 show 11 mortgage brokers and lenders in St. Mary’s County. 2 of them (18%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 5 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in St. Mary’s County, MD spend on rent and homeowner costs?
About $779.4M a year, or $18,366 per household. That is 10% above the U.S. average (an index of 110, where 100 is the U.S. average). For the 11 mortgage brokers and lenders on map listings, housing spending per office is 82% 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. It is estimated from the incomes of the 42,436 households in St. Mary’s County and national spending patterns by income.
How does St. Mary’s County, MD compare with the U.S. for mortgage brokers and lenders?
St. Mary’s County has 2.6 mortgage brokers and lenders per 10,000 households, 40% below the U.S. rate of 4.3. The index of housing spending per office is 182, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, St. Mary’s County would have about 20, against 11 on map listings. There is one business with payroll in the industry for every 8,487 households, against one for every 4,897 across the U.S.
How fast is St. Mary’s County, MD growing?
Population estimates put St. Mary’s County at 116,692 people in 2025, up 2.4% since 2020, slower than the U.S. (+3.1%). It has 42,436 households. Median household income in St. Mary’s County is $119,446, 48% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 33.0%, 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. St. Mary’s County scores 73 for mortgage brokers and lenders (upper middle), #80 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in St. Mary’s 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 St. Mary’s County
Screening a site or an acquisition in St. Mary’s 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 St. Mary’s 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.