Real estate · County · New York
Mortgage brokers and lenders in Jefferson County, NY
How Jefferson County, NY 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 60 out of 100: Upper middle
Ranked #237 of 887 scored counties
#20 of 22 scored counties in New York
- Listings
- 6
- 0 chain locations (0%)
- Official establishments
- 8
- Businesses with payroll, 2023
- Household spending a year
- $790.4M
- On rent and homeowner costs · $16,602 a household
- Housing spending per listing (U.S. = 100)
- 338
- 3.4 times the U.S.
- Listings per 10k households
- 1.3
- 70% below the U.S.
- Population, 2025
- 111,540
- −3.9% since 2020
See the mortgage brokers and lenders around any address in Jefferson 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 Jefferson 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
Household spending on rent and homeowner costs in Jefferson County comes to about $790.4M a year: $16,602 per household, in line with the U.S. average. Housing spending per office is 3.4 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.
Jefferson County has 6 mortgage brokers and lenders on map listings as of September 2026. None of them are chain locations, against 21% across the U.S. That comes to 1.3 for every 10,000 households, 70% below the U.S. rate of 4.3.
In 2023, official counts showed 8 businesses with payroll in Jefferson County classed as mortgage brokers and real estate lenders. That is one for every 5,951 households, against one for every 4,897 across the U.S.
Population estimates put the population change in Jefferson County from 2020 to 2025 at −3.9%, against +3.1% for the U.S. For mortgage brokers and lenders, Jefferson County has a Groundwork market score of 60 (upper middle): #237 of 887 scored counties and #20 of 22 scored counties in New York.
How Jefferson County 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 | Jefferson County | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 1.3 | 2.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 338 | 244 | 100 |
| Households per official establishment | 5,951 | 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 | $16,602 | $19,048 | $16,661 |
| Median household income | $66,301 | $85,974 | $80,734 |
| Groundwork market score | 60 | 73 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 3 → 8
- Employees, 2023
- 72
- Annual payroll, 2023
- $4.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 60 chain locations
- Listings at the U.S. rate for this spending
- 20The 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 Jefferson 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 Jefferson County
- Population, 2025 estimate
- 111,540−3.9% since 2020
- Households
- 47,606
- Median age
- 37.4
- Homes lived in by their owners
- 55%
- Vehicles per household
- 1.6
- Land area
- 1,268 sq. mi.
- People per square mile
- 91
- Median household income
- $66,301+25.8% vs. 2015–2019, before inflation
- Average household income
- $86,210
- Median home value
- $188,200
- Jobs located here
- 34,253
- Daytime population
- 112,470Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Jefferson 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 Jefferson 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 York
Every New York market ranked →The highest-scoring counties in New York for mortgage brokers and lenders, numbered among those based in New York, with Jefferson County marked.
Top counties in New York
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Dutchess County, NY | 83 | 20 | 1.7 | 298 | +1.5% | #16 of 887 |
| 2Orange County, NY | 80 | 19 | 1.4 | 365 | +4.2% | #31 of 887 |
| 3Ulster County, NY | 77 | 5 | 0.7 | 714 | +1.1% | #49 of 887 |
| 4Queens County, NY | 77 | 117 | 1.4 | 346 | −1.1% | #51 of 887 |
| 5Erie County, NY | 76 | 36 | 0.9 | 510 | −0.6% | #57 of 887 |
| 6Kings County, NY | 76 | 123 | 1.2 | 393 | −2.5% | #59 of 887 |
| 7Monroe County, NY | 73 | 57 | 1.8 | 255 | −1.0% | #79 of 887 |
| 8Saratoga County, NY | 72 | 29 | 2.8 | 180 | +2.3% | #95 of 887 |
| 9Onondaga County, NY | 71 | 40 | 2.0 | 226 | −1.9% | #104 of 887 |
| 10Bronx County, NY | 70 | 30 | 0.6 | 698 | −3.8% | #112 of 887 |
| 20Jefferson County, NY | 60 | 6 | 1.3 | 338 | −3.9% | #237 of 887 |
Other business types in Jefferson 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 estate45
- Real estate agents and brokers56
- Property management32
- Mortgage brokers and lenders60
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in Jefferson County, NY?
Map listings as of September 2026 show 6 mortgage brokers and lenders in Jefferson County. None of them are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 8 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in Jefferson County, NY spend on rent and homeowner costs?
About $790.4M a year, or $16,602 per household. That is in line with the U.S. average (an index of 100, where 100 is the U.S. average). For the 6 mortgage brokers and lenders on map listings, housing spending per office is 3.4 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. It is estimated from the incomes of the 47,606 households in Jefferson County and national spending patterns by income.
How does Jefferson County, NY compare with the U.S. for mortgage brokers and lenders?
Jefferson County has 1.3 mortgage brokers and lenders per 10,000 households, 70% below the U.S. rate of 4.3. The index of housing spending per office is 338, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, Jefferson County would have about 20, against 6 on map listings. There is one business with payroll in the industry for every 5,951 households, against one for every 4,897 across the U.S.
How fast is Jefferson County, NY growing?
Population estimates put Jefferson County at 111,540 people in 2025, down 3.9% since 2020, against +3.1% for the U.S. It has 47,606 households. Median household income in Jefferson County is $66,301, 18% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.8%, 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. Jefferson County scores 60 for mortgage brokers and lenders (upper middle), #237 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Jefferson 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 Jefferson County
Screening a site or an acquisition in Jefferson 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 Jefferson 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.