Real estate · County · New Jersey
Mortgage brokers and lenders in Somerset County, NJ
How Somerset County, NJ 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 65 out of 100: Upper middle
Ranked #174 of 887 scored counties
#13 of 20 scored counties in New Jersey
- Listings
- 56
- 9 chain locations (16%)
- Official establishments
- 28
- +33.3% since 2019
- Household spending a year
- $3B
- On rent and homeowner costs · $23,210 a household
- Housing spending per listing (U.S. = 100)
- 139
- 39% above the U.S.
- Listings per 10k households
- 4.3
- In line with the U.S.
- Population, 2025
- 356,486
- +3.5% since 2020
See the mortgage brokers and lenders around any address in Somerset 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 Somerset 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
Map listings as of September 2026 show 56 mortgage brokers and lenders in Somerset County. 9 of them (16%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 4.3, in line with the U.S. rate of 4.3.
At $23,210 per household (39% above the U.S. average), households in Somerset County spend about $3B a year on rent and homeowner costs. Housing spending per office is 39% 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 28 businesses with payroll in Somerset County classed as mortgage brokers and real estate lenders, up 33.3% from 2019. That is one for every 4,672 households, against one for every 4,897 across the U.S.
Population estimates show Somerset County grew 3.5% from 2020 to 2025, in step with the U.S. (+3.1%). The Groundwork market score for mortgage brokers and lenders in Somerset County is 65 (upper middle), #174 of 887 scored counties and #13 of 20 scored counties in New Jersey. That puts it in the top quarter of counties.
How Somerset County compares
The same measures for New Jersey 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 | Somerset County | New Jersey | U.S. |
|---|---|---|---|
| Listings per 10k households | 4.3 | 4.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 139 | 132 | 100 |
| Households per official establishment | 4,672 | 5,212 | 4,897 |
| Official establishment growth, 2019–2023 | +33.3% | +8.6% | +9.5% |
| Population growth, 2020–2025 | +3.5% | +3.0% | +3.1% |
| Spending per household on rent and homeowner costs | $23,210 | $20,430 | $16,661 |
| Median household income | $140,374 | $103,556 | $80,734 |
| Groundwork market score | 65 | 65 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 21 → 28+33.3% over the period
- Employees, 2023
- 164
- Annual payroll, 2023
- $24.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 569 chain locations
- Listings at the U.S. rate for this spending
- 78The 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 Somerset 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 Somerset County
- Population, 2025 estimate
- 356,486+3.5% since 2020
- Households
- 130,802
- Median age
- 42.6
- Homes lived in by their owners
- 74%
- Vehicles per household
- 1.9
- Land area
- 302 sq. mi.
- People per square mile
- 1,159
- Median household income
- $140,374+23.6% vs. 2015–2019, before inflation
- Average household income
- $191,543
- Median home value
- $552,100
- Jobs located here
- 201,609
- Daytime population
- 369,052Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Somerset 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 Somerset 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 New Jersey
Every New Jersey market ranked →The highest-scoring counties in New Jersey for mortgage brokers and lenders, numbered among those based in New Jersey, with Somerset County marked.
Top counties in New Jersey
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Hunterdon County, NJ | 86 | 12 | 2.4 | 251 | +2.3% | #6 of 887 |
| 2Hudson County, NJ | 83 | 48 | 1.6 | 317 | +1.8% | #14 of 887 |
| 3Essex County, NJ | 81 | 69 | 2.2 | 226 | +4.2% | #27 of 887 |
| 4Sussex County, NJ | 79 | 15 | 2.6 | 208 | +2.9% | #38 of 887 |
| 5Passaic County, NJ | 74 | 42 | 2.3 | 208 | +1.6% | #74 of 887 |
| 6Warren County, NJ | 73 | 15 | 3.3 | 151 | +3.2% | #87 of 887 |
| 7Union County, NJ | 73 | 75 | 3.7 | 144 | +5.0% | #88 of 887 |
| 8Cumberland County, NJ | 72 | 14 | 2.6 | 166 | +2.2% | #97 of 887 |
| 9Middlesex County, NJ | 71 | 101 | 3.3 | 163 | +2.6% | #106 of 887 |
| 10Ocean County, NJ | 71 | 75 | 3.1 | 159 | +5.6% | #109 of 887 |
| 13Somerset County, NJ | 65 | 56 | 4.3 | 139 | +3.5% | #174 of 887 |
Other business types in Somerset 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 estate58
- Real estate agents and brokers62
- Property management79
- Mortgage brokers and lenders65
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in Somerset County, NJ?
There are 56 mortgage brokers and lenders on map listings in Somerset County as of September 2026. 9 of them (16%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 28 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 33.3% from 2019.
How much do households in Somerset County, NJ spend on rent and homeowner costs?
About $3B a year, or $23,210 per household. That is 39% above the U.S. average (an index of 139, where 100 is the U.S. average). For the 56 mortgage brokers and lenders on map listings, housing spending per office is 39% 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 130,802 households in Somerset County and national spending patterns by income.
How does Somerset County, NJ compare with the U.S. for mortgage brokers and lenders?
Somerset County has 4.3 mortgage brokers and lenders per 10,000 households, in line with the U.S. rate of 4.3. The index of housing spending per office is 139, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Somerset County would have about 78, against 56 on map listings. There is one business with payroll in the industry for every 4,672 households, against one for every 4,897 across the U.S. The official count rose 33.3% from 2019 to 2023, against +9.5% for the U.S.
How fast is Somerset County, NJ growing?
Population estimates put Somerset County at 356,486 people in 2025, up 3.5% since 2020, in step with the U.S. (+3.1%). It has 130,802 households. The median household income in Somerset County is $140,374 a year, 74% above the U.S. median of $80,734. That rose 23.6% 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. Somerset County scores 65 for mortgage brokers and lenders (upper middle), #174 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Somerset 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 Somerset County
Screening a site or an acquisition in Somerset 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 Somerset 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.