Groundwork

Market rankings · New York

Mortgage brokers and lenders in New York

Markets across New York ranked by the Groundwork market score for mortgage brokers and lenders, with competitor counts and household spending for each.

Listings
1,543
328 chain locations (21%)
Official establishments
809
−3.6% since 2019
Household spending a year
$146.8B
On rent and homeowner costs
Listings per 10k households
2.0
53% below the U.S.
Housing spending per listing (U.S. = 100)
244
2.4 times the U.S.
Rank among states
#3 of 51
Market score 73 · Upper middle

A site report maps the mortgage brokers and lenders on map listings around any address in New York by name and distance, and the spending within reach.

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Survey 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 1,543 mortgage brokers and lenders in New York. Of those, 328 are chain locations, or 21%, against 21% across the U.S. Per 10,000 households, that is 2.0, 53% below the U.S. rate of 4.3.

Household spending on rent and homeowner costs in New York comes to about $146.8B a year: $19,048 per household, 14% above the U.S. average. Housing spending per office is 2.4 times 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.

Official counts show 809 businesses with payroll classed as mortgage brokers and real estate lenders in New York in 2023, down 3.6% from 2019. That is one for every 9,523 households, against one for every 4,897 across the U.S. Across the U.S., the count rose 9.5% over the same years. Since fiscal 2022, 7 SBA-backed loans worth $2.3M have gone to businesses classed as mortgage brokers and real estate lenders in New York.

Among the 50 states and DC, New York ranks #3 for mortgage brokers and lenders, with a Groundwork market score of 73 (upper middle). Of the 11 scored metro areas in or partly in New York, the Kiryas Joel-Poughkeepsie-Newburgh metro area scores highest (82). Of the 2 scored small-town markets in or partly in New York, the Hudson area scores highest (73).

Every market in New York for mortgage brokers and lenders

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Numbered by Groundwork market score among the markets based in New York, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.

Metro areas

Metro areas reaching New York, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Kiryas Joel-Poughkeepsie-Newburgh, NY82391.5330+3.0%#5 of 373
2Kingston, NY7950.7714+1.1%#6 of 373
3Buffalo-Cheektowaga, NY76380.8589−0.8%#14 of 373
4Rochester, NY76611.4332−0.7%#16 of 373
5Albany-Schenectady-Troy, NY76752.0246+1.9%#17 of 373
6Syracuse, NY74421.5292−1.3%#19 of 373
7Glens Falls, NY6850.9490−1.9%#39 of 373
8Binghamton, NY6750.5877−1.3%#41 of 373
9New York-Newark-Jersey City, NY-NJ662,2433.0171+0.6%#52 of 373
10Elmira, NY6251.4297−3.9%#79 of 373
11Watertown-Fort Drum, NY5861.3338−3.9%#113 of 373
Utica-Rome, NYNot scored40.31,307−2.0%
Ithaca, NYNot scored10.21,980−1.4%

Small-town markets

Small-town markets reaching New York, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Hudson, NY7351.9256−2.1%#15 of 177
2Jamestown-Dunkirk, NY6550.9433−2.6%#31 of 177
Massena-Ogdensburg, NYNot scored00.0n/a−2.5%
Corning, NYNot scored10.31,677−1.6%
Monticello, NYNot scored10.31,427+2.7%
Plattsburgh, NYNot scored30.9488−2.0%
Olean, NYNot scored00.0n/a−2.1%
Auburn, NYNot scored00.0n/a−2.3%
Oneonta, NYNot scored20.9503+3.8%
Batavia, NYNot scored00.0n/a+0.2%
Gloversville, NYNot scored10.4968−1.6%
Amsterdam, NYNot scored00.0n/a+1.1%
Cortland, NYNot scored21.1410−1.9%
Seneca Falls, NYNot scored00.0n/a−1.7%

Counties

Counties in New York, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Dutchess County, NY83201.7298+1.5%#16 of 887
2Orange County, NY80191.4365+4.2%#31 of 887
3Ulster County, NY7750.7714+1.1%#49 of 887
4Queens County, NY771171.4346−1.1%#51 of 887
5Erie County, NY76360.9510−0.6%#57 of 887
6Kings County, NY761231.2393−2.5%#59 of 887
7Monroe County, NY73571.8255−1.0%#79 of 887
8Saratoga County, NY72292.8180+2.3%#95 of 887
9Onondaga County, NY71402.0226−1.9%#104 of 887
10Bronx County, NY70300.6698−3.8%#112 of 887
11Columbia County, NY7051.9256−2.1%#115 of 887
12Richmond County, NY70502.9173+1.3%#117 of 887
13Albany County, NY70392.9164+2.2%#119 of 887
14Westchester County, NY691333.6157+1.4%#129 of 887
15Rockland County, NY68272.6207+5.9%#130 of 887
16Broome County, NY6650.6696−1.2%#155 of 887
17Chemung County, NY6251.4297−3.9%#211 of 887
18Chautauqua County, NY6150.9433−2.6%#226 of 887
19New York County, NY612443.1171−1.3%#230 of 887
20Jefferson County, NY6061.3338−3.9%#237 of 887
21Suffolk County, NY562675.4105+1.6%#319 of 887
22Nassau County, NY502395.2115+0.6%#442 of 887
Oneida County, NYNot scored40.41,033−2.1%
Niagara County, NYNot scored20.22,004−1.5%
Schenectady County, NYNot scored30.41,031+3.0%
Show all 62 counties
Counties in New York, ranked for mortgage brokers and lenders by Groundwork market score, continued
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
Rensselaer County, NYNot scored40.6787−0.2%
Oswego County, NYNot scored10.22,041+1.0%
Ontario County, NYNot scored30.6752+0.6%
St. Lawrence County, NYNot scored00.0n/a−2.5%
Tompkins County, NYNot scored10.21,980−1.4%
Putnam County, NYNot scored20.6990+1.4%
Steuben County, NYNot scored10.31,677−1.6%
Wayne County, NYNot scored00.0n/a+0.1%
Sullivan County, NYNot scored10.31,427+2.7%
Clinton County, NYNot scored30.9488−2.0%
Cattaraugus County, NYNot scored00.0n/a−2.1%
Cayuga County, NYNot scored00.0n/a−2.3%
Madison County, NYNot scored10.41,182−1.2%
Warren County, NYNot scored41.3347−0.9%
Livingston County, NYNot scored10.41,086−0.2%
Washington County, NYNot scored10.41,061−2.9%
Otsego County, NYNot scored20.9503+3.8%
Herkimer County, NYNot scored00.0n/a−1.4%
Genesee County, NYNot scored00.0n/a+0.2%
Fulton County, NYNot scored10.4968−1.6%
Montgomery County, NYNot scored00.0n/a+1.1%
Tioga County, NYNot scored00.0n/a−1.9%
Greene County, NYNot scored10.5854−1.1%
Allegany County, NYNot scored00.0n/a+0.9%
Franklin County, NYNot scored10.5819−1.6%
Chenango County, NYNot scored00.0n/a−2.9%
Cortland County, NYNot scored21.1410−1.9%
Delaware County, NYNot scored00.0n/a+0.2%
Wyoming County, NYNot scored00.0n/a−1.3%
Orleans County, NYNot scored00.0n/a−0.5%
Essex County, NYNot scored21.2361−2.2%
Seneca County, NYNot scored00.0n/a−1.7%
Schoharie County, NYNot scored00.0n/a+1.4%
Lewis County, NYNot scored00.0n/a−0.3%
Yates County, NYNot scored11.1421−0.8%
Schuyler County, NYNot scored00.0n/a−5.3%
Hamilton County, NYNot scored00.0n/a−1.3%

Markets with fewer than 5 mortgage brokers and lenders on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.

Questions

How many mortgage brokers and lenders are in New York?

New York has 1,543 mortgage brokers and lenders on map listings as of September 2026. 328 of them (21%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 809 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, down 3.6% from 2019.

How much do households in New York spend on rent and homeowner costs?

About $146.8B a year, or $19,048 per household. That is 14% above the U.S. average (an index of 114, where 100 is the U.S. average). For the 1,543 mortgage brokers and lenders on map listings, housing spending per office is 2.4 times 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 7,704,486 households in New York and national spending patterns by income.

How does New York compare with the U.S. for mortgage brokers and lenders?

New York has 2.0 mortgage brokers and lenders per 10,000 households, 53% below the U.S. rate of 4.3. The index of housing spending per office is 244, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, New York would have about 3,761, against 1,543 on map listings. There is one business with payroll in the industry for every 9,523 households, against one for every 4,897 across the U.S. The official count fell 3.6% from 2019 to 2023, against +9.5% for the U.S.

Which market in New York has the highest market score for mortgage brokers and lenders?

Among 11 scored metro areas in or partly in New York, the Kiryas Joel-Poughkeepsie-Newburgh metro area scores highest, at 82 (high). Among 2 scored small-town markets in or partly in New York, the Hudson area scores highest, at 73 (upper middle). Among 22 scored counties in New York, Dutchess County scores highest, at 83 (high). Scores compare each market with others of its kind across the U.S.

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. New York scores 73 for mortgage brokers and lenders (upper middle), #3 of the 50 states and DC.

How can I see the market around a specific site?

Run a Groundwork site report on an address in New York. 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.

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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.