Real estate · Metro area · New York
Mortgage brokers and lenders in the Elmira, NY metro area
Competitor counts, household spending and official business counts for mortgage brokers and lenders in the Elmira, NY metro area, set against other metro areas and the U.S.
Groundwork market score · out of 100
Score 62 out of 100: Upper middle
Ranked #79 of 373 scored metro areas
#10 of 11 scored metro areas based in New York
- Listings
- 5
- 0 chain locations (0%)
- Official establishments
- n/a
- Fewer than 3, or not published
- Household spending a year
- $580.1M
- On rent and homeowner costs · $16,452 a household
- Housing spending per listing (U.S. = 100)
- 297
- 3 times the U.S.
- Listings per 10k households
- 1.4
- 67% below the U.S.
- Population, 2025
- 80,415
- −3.9% since 2020
See the mortgage brokers and lenders around any address in the Elmira 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 Elmira 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
Map listings as of September 2026 show 5 mortgage brokers and lenders in the Elmira metro area. None of them are chain locations, against 21% across the U.S. That comes to 1.4 for every 10,000 households, 67% below the U.S. rate of 4.3.
At $16,452 per household (in line with the U.S. average), households in the Elmira metro area spend about $580.1M a year on rent and homeowner costs. Housing spending per office is 3 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.
There is no official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Elmira metro area: counts under 3 aren’t published.
Population estimates show the Elmira metro area declined 3.9% from 2020 to 2025, against +3.1% for the U.S. For mortgage brokers and lenders, the Elmira metro area has a Groundwork market score of 62 (upper middle): #79 of 373 scored metro areas and #10 of 11 scored metro areas based in New York. That puts it in the top quarter of metro areas.
How the Elmira metro area compares
The same measures for New York 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 | Elmira metro area | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 1.4 | 2.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 297 | 244 | 100 |
| Households per official establishment | n/a | 9,523 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | −3.6% | +9.5% |
| Population growth, 2020–2025 | −3.9% | −0.6% | +3.1% |
| Spending per household on rent and homeowner costs | $16,452 | $19,048 | $16,661 |
| Median household income | $63,716 | $85,974 | $80,734 |
| Groundwork market score | 62 | 73 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- n/a
- Employees, 2023
- n/a
- Annual payroll, 2023
- n/a
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 50 chain locations
- Listings at the U.S. rate for this spending
- 15The 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 Elmira 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 Elmira metro area
- Population, 2025 estimate
- 80,415−3.9% since 2020
- Households
- 35,262
- Median age
- 42.8
- Homes lived in by their owners
- 68%
- Vehicles per household
- 1.6
- Land area
- 407 sq. mi.
- People per square mile
- 202
- Median household income
- $63,716+16.0% vs. 2015–2019, before inflation
- Average household income
- $86,374
- Median home value
- $141,100
- Jobs located here
- 31,723
- Daytime population
- 81,216Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Elmira 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 Elmira 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 New York
Every New York market ranked →The highest-scoring metro areas in New York for mortgage brokers and lenders, numbered among those based in New York, with the Elmira metro area marked.
Top metro areas in New York
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Kiryas Joel-Poughkeepsie-Newburgh, NY | 82 | 39 | 1.5 | 330 | +3.0% | #5 of 373 |
| 2Kingston, NY | 79 | 5 | 0.7 | 714 | +1.1% | #6 of 373 |
| 3Buffalo-Cheektowaga, NY | 76 | 38 | 0.8 | 589 | −0.8% | #14 of 373 |
| 4Rochester, NY | 76 | 61 | 1.4 | 332 | −0.7% | #16 of 373 |
| 5Albany-Schenectady-Troy, NY | 76 | 75 | 2.0 | 246 | +1.9% | #17 of 373 |
| 6Syracuse, NY | 74 | 42 | 1.5 | 292 | −1.3% | #19 of 373 |
| 7Glens Falls, NY | 68 | 5 | 0.9 | 490 | −1.9% | #39 of 373 |
| 8Binghamton, NY | 67 | 5 | 0.5 | 877 | −1.3% | #41 of 373 |
| 9New York-Newark-Jersey City, NY-NJ | 66 | 2,243 | 3.0 | 171 | +0.6% | #52 of 373 |
| 10Elmira, NY | 62 | 5 | 1.4 | 297 | −3.9% | #79 of 373 |
Other business types in the Elmira 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 estate72
- Real estate agents and brokers73
- Property management54
- Mortgage brokers and lenders62
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Elmira, NY metro area?
There are 5 mortgage brokers and lenders on map listings in the Elmira metro area as of September 2026. None of them are chain locations. The listings count mortgage brokers and mortgage lenders. No official count is published for mortgage brokers and real estate lenders in the Elmira metro area: counts under 3 are left out.
How much do households in the Elmira, NY metro area spend on rent and homeowner costs?
About $580.1M a year, or $16,452 per household. That is in line with the U.S. average (an index of 99, where 100 is the U.S. average). For the 5 mortgage brokers and lenders on map listings, housing spending per office is 3 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 35,262 households in the Elmira metro area and national spending patterns by income.
How does the Elmira, NY metro area compare with the U.S. for mortgage brokers and lenders?
The Elmira metro area has 1.4 mortgage brokers and lenders per 10,000 households, 67% below the U.S. rate of 4.3. The index of housing spending per office is 297, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Elmira metro area would have about 15, against 5 on map listings.
How fast is the Elmira, NY metro area growing?
Population estimates put the Elmira metro area at 80,415 people in 2025, down 3.9% since 2020, against +3.1% for the U.S. It has 35,262 households. The median household income in the Elmira metro area is $63,716 a year, 21% below the U.S. median of $80,734. That rose 16.0% 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. The Elmira metro area scores 62 for mortgage brokers and lenders (upper middle), #79 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 Elmira 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 Elmira metro area
Screening a site or an acquisition in the Elmira 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 Elmira 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.