Real estate · Small-town market · Michigan
Mortgage brokers and lenders in the Coldwater, MI area
Competitor counts, household spending and official business counts for mortgage brokers and lenders in the Coldwater, MI area, set against other small-town markets and the U.S.
Groundwork market score
Not scored
The score needs at least 5 listings; this market has 1.
- Listings
- 1
- 0 chain locations (0%)
- Official establishments
- 3
- Businesses with payroll, 2023
- Household spending a year
- $219M
- On rent and homeowner costs · $12,951 a household
- Housing spending per listing (U.S. = 100)
- 561
- Too few listings to compare
- Listings per 10k households
- 0.6
- Too few listings to compare
- Population, 2025
- 45,993
- +2.5% since 2020
See the mortgage brokers and lenders around any address in the Coldwater 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 Coldwater 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
Household spending on rent and homeowner costs in the Coldwater area comes to about $219M a year: $12,951 per household, 22% below the U.S. average. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in.
There is 1 mortgage broker or lender on map listings in the Coldwater area as of September 2026. That is 0.6 per 10,000 households.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Coldwater area was 3 in 2023. That is one for every 5,635 households, against one for every 4,897 across the U.S.
Population estimates put the population change in the Coldwater area from 2020 to 2025 at +2.5%, slower than the U.S. (+3.1%). With 1 mortgage broker or lender on map listings, the Coldwater area isn’t given a market score: the score needs at least 5, since one listing more or less would swing it.
How the Coldwater area compares
The same measures for Michigan 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 | Coldwater area | Michigan | U.S. |
|---|---|---|---|
| Listings per 10k households | 0.6 | 3.4 | 4.3 |
| Housing spending per listing (U.S. = 100) | 561 | 107 | 100 |
| Households per official establishment | 5,635 | 6,281 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +31.1% | +9.5% |
| Population growth, 2020–2025 | +2.5% | +0.6% | +3.1% |
| Spending per household on rent and homeowner costs | $12,951 | $13,996 | $16,661 |
| Median household income | $63,724 | $72,875 | $80,734 |
| Groundwork market score | Not scored | 38 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 3
- Employees, 2023
- 8
- Annual payroll, 2023
- $359K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 10 chain locations
- Listings at the U.S. rate for this spending
- 6The 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 Coldwater 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 Coldwater area
- Population, 2025 estimate
- 45,993+2.5% since 2020
- Households
- 16,906
- Median age
- 41.6
- Homes lived in by their owners
- 78%
- Vehicles per household
- 1.8
- Land area
- 506 sq. mi.
- People per square mile
- 89
- Median household income
- $63,724+22.7% vs. 2015–2019, before inflation
- Average household income
- $79,966
- Median home value
- $162,500
- Jobs located here
- 14,063
- Daytime population
- 41,389Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Coldwater 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 Coldwater 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 Michigan
Every Michigan market ranked →The highest-scoring small-town markets in Michigan for mortgage brokers and lenders, numbered among those based in Michigan, with the Coldwater area marked.
Top small-town markets in Michigan
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Owosso, MI | 53 | 5 | 1.8 | 191 | −0.4% | #84 of 177 |
| 2Mount Pleasant, MI | 47 | 5 | 2.0 | 160 | +0.3% | #98 of 177 |
| 3Cadillac, MI | 28 | 8 | 4.1 | 81 | +2.0% | #156 of 177 |
| Coldwater, MI | Not scored | 1 | 0.6 | 561 | +2.5% |
Other business types in the Coldwater 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 estate42
- Real estate agents and brokers46
- Property management
- Mortgage brokers and lenders
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Coldwater, MI area?
As of September 2026, map listings count 1 mortgage broker or lender in the Coldwater area. The listings count mortgage brokers and mortgage lenders. Official counts show 3 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Coldwater, MI area spend on rent and homeowner costs?
About $219M a year, or $12,951 per household. That is 22% below the U.S. average (an index of 78, where 100 is the U.S. average). 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 16,906 households in the Coldwater area and national spending patterns by income.
How does the Coldwater, MI area compare with the U.S. for mortgage brokers and lenders?
The Coldwater area has 1 mortgage broker or lender on map listings, too few for a steady comparison with the U.S. rate. At the U.S. ratio of mortgage brokers and lenders to household spending, the Coldwater area would have about 6, against 1 on map listings. There is one business with payroll in the industry for every 5,635 households, against one for every 4,897 across the U.S.
How fast is the Coldwater, MI area growing?
Population estimates put the Coldwater area at 45,993 people in 2025, up 2.5% since 2020, slower than the U.S. (+3.1%). It has 16,906 households. Median household income in the Coldwater area is $63,724, 21% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 22.7%, 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 Coldwater area has no market score for mortgage brokers and lenders: the score needs at least 5 on map listings, and it has 1.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Coldwater 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 Coldwater area
Screening a site or an acquisition in the Coldwater 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 Coldwater 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.