Real estate · Metro area · Minnesota
Mortgage brokers and lenders in the St. Cloud, MN metro area
Competitor counts, household spending and official business counts for mortgage brokers and lenders in the St. Cloud, MN metro area, set against other metro areas and the U.S.
Groundwork market score · out of 100
Score 42 out of 100: Lower middle
Ranked #244 of 373 scored metro areas
#4 of 5 scored metro areas based in Minnesota
- Listings
- 28
- 2 chain locations (7%)
- Official establishments
- 13
- Businesses with payroll, 2023
- Household spending a year
- $1.1B
- On rent and homeowner costs · $14,030 a household
- Housing spending per listing (U.S. = 100)
- 100
- In line with the U.S.
- Listings per 10k households
- 3.6
- 16% below the U.S.
- Population, 2025
- 205,854
- +3.0% since 2020
See the mortgage brokers and lenders around any address in the St. Cloud 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 St. Cloud 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
Household spending on rent and homeowner costs in the St. Cloud metro area comes to about $1.1B a year: $14,030 per household, 16% below the U.S. average. Housing spending per office is in line with 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.
The St. Cloud metro area has 28 mortgage brokers and lenders on map listings as of September 2026. Chain locations make up 7% of them, against 21% across the U.S. That is 3.6 per 10,000 households, 16% below the U.S. rate of 4.3.
Official counts show 13 businesses with payroll classed as mortgage brokers and real estate lenders in the St. Cloud metro area in 2023. That is one for every 6,009 households, against one for every 4,897 across the U.S.
Between 2020 and 2025, the population of the St. Cloud metro area grew 3.0%, in step with the U.S. (+3.1%). The St. Cloud metro area scores 42 (lower middle) on the Groundwork market score for mortgage brokers and lenders, ranking #244 of 373 scored metro areas and #4 of 5 scored metro areas based in Minnesota.
How the St. Cloud metro area compares
The same measures for Minnesota 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. Cloud metro area | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 3.6 | 4.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 100 | 97 | 100 |
| Households per official establishment | 6,009 | 4,607 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +31.2% | +9.5% |
| Population growth, 2020–2025 | +3.0% | +2.1% | +3.1% |
| Spending per household on rent and homeowner costs | $14,030 | $15,162 | $16,661 |
| Median household income | $76,497 | $89,062 | $80,734 |
| Groundwork market score | 42 | 38 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 13
- Employees, 2023
- 42
- Annual payroll, 2023
- $3.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 282 chain locations
- Listings at the U.S. rate for this spending
- 28The 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 St. Cloud 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 St. Cloud metro area
- Population, 2025 estimate
- 205,854+3.0% since 2020
- Households
- 78,122
- Median age
- 37.2
- Homes lived in by their owners
- 68%
- Vehicles per household
- 2.0
- Land area
- 1,751 sq. mi.
- People per square mile
- 116
- Median household income
- $76,497+23.4% vs. 2015–2019, before inflation
- Average household income
- $97,113
- Median home value
- $272,800
- Jobs located here
- 101,570
- Daytime population
- 207,575Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the St. Cloud 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 St. Cloud 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 Minnesota
Every Minnesota market ranked →The highest-scoring metro areas in Minnesota for mortgage brokers and lenders, numbered among those based in Minnesota (a market based in another state is listed without a number), with the St. Cloud metro area marked.
Top metro areas in Minnesota
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| Grand Forks, ND-MN | 64 | 6 | 1.4 | 254 | +0.8% | #61 of 373 |
| Fargo, ND-MN | 63 | 27 | 2.4 | 149 | +7.7% | #72 of 373 |
| La Crosse-Onalaska, WI-MN | 62 | 13 | 1.8 | 198 | +0.4% | #81 of 373 |
| 1Duluth, MN-WI | 59 | 25 | 2.1 | 169 | +0.2% | #105 of 373 |
| Sioux Falls, SD-MN | 51 | 52 | 4.2 | 88 | +9.5% | #178 of 373 |
| 2Rochester, MN | 50 | 32 | 3.4 | 115 | +2.0% | #184 of 373 |
| 3Mankato, MN | 46 | 11 | 2.7 | 133 | +1.2% | #212 of 373 |
| 4St. Cloud, MN | 42 | 28 | 3.6 | 100 | +3.0% | #244 of 373 |
| 5Minneapolis-St. Paul-Bloomington, MN-WI | 31 | 771 | 5.2 | 78 | +2.6% | #347 of 373 |
Other business types in the St. Cloud 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 estate36
- Real estate agents and brokers34
- Property management48
- Mortgage brokers and lenders42
- Home inspectors35
Funeral services
Questions
How many mortgage brokers and lenders are in the St. Cloud, MN metro area?
Map listings as of September 2026 show 28 mortgage brokers and lenders in the St. Cloud metro area. 2 of them (7%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 13 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the St. Cloud, MN metro area spend on rent and homeowner costs?
About $1.1B a year, or $14,030 per household. That is 16% below the U.S. average (an index of 84, where 100 is the U.S. average). For the 28 mortgage brokers and lenders on map listings, housing spending per office is in line with 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 78,122 households in the St. Cloud metro area and national spending patterns by income.
How does the St. Cloud, MN metro area compare with the U.S. for mortgage brokers and lenders?
The St. Cloud metro area has 3.6 mortgage brokers and lenders per 10,000 households, 16% below the U.S. rate of 4.3. The index of housing spending per office is 100, where 100 is the U.S. The count on map listings matches the U.S. ratio of mortgage brokers and lenders to household spending. There is one business with payroll in the industry for every 6,009 households, against one for every 4,897 across the U.S.
How fast is the St. Cloud, MN metro area growing?
Population estimates put the St. Cloud metro area at 205,854 people in 2025, up 3.0% since 2020, in step with the U.S. (+3.1%). It has 78,122 households. Median household income in the St. Cloud metro area is $76,497, 5% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 23.4%, 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 St. Cloud metro area scores 42 for mortgage brokers and lenders (lower middle), #244 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 St. Cloud 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 St. Cloud metro area
Screening a site or an acquisition in the St. Cloud 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 St. Cloud 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.