Real estate · Metro area · New York
Mortgage brokers and lenders in the Rochester, NY metro area
How the Rochester, NY metro area compares with other metro areas and the U.S. for mortgage brokers and lenders: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 76 out of 100: High
Ranked #16 of 373 scored metro areas
#4 of 11 scored metro areas based in New York
- Listings
- 61
- 19 chain locations (31%)
- Official establishments
- 28
- −10.3% since 2019
- Household spending a year
- $7.9B
- On rent and homeowner costs · $17,716 a household
- Housing spending per listing (U.S. = 100)
- 332
- 3.3 times the U.S.
- Listings per 10k households
- 1.4
- 67% below the U.S.
- Population, 2025
- 1,056,149
- −0.7% since 2020
See the mortgage brokers and lenders around any address in the Rochester 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 Rochester 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
The Groundwork market score for mortgage brokers and lenders in the Rochester metro area is 76 (high), #16 of 373 scored metro areas and #4 of 11 scored metro areas based in New York. That puts it in the top 10% of metro areas for mortgage brokers and lenders.
At $17,716 per household (6% above the U.S. average), households in the Rochester metro area spend about $7.9B a year on rent and homeowner costs. Housing spending per office is 3.3 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.
There are 61 mortgage brokers and lenders on map listings in the Rochester metro area as of September 2026. Chain locations make up 31% of them, 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.
In 2023, official counts showed 28 businesses with payroll in the Rochester metro area classed as mortgage brokers and real estate lenders, down 10.3% from 2019. That is one for every 15,923 households, against one for every 4,897 across the U.S. Population estimates put the population change in the Rochester metro area from 2020 to 2025 at −0.7%, against +3.1% for the U.S.
How the Rochester 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 | Rochester metro area | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 1.4 | 2.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 332 | 244 | 100 |
| Households per official establishment | 15,923 | 9,523 | 4,897 |
| Official establishment growth, 2019–2023 | −10.3% | −3.6% | +9.5% |
| Population growth, 2020–2025 | −0.7% | −0.6% | +3.1% |
| Spending per household on rent and homeowner costs | $17,716 | $19,048 | $16,661 |
| Median household income | $76,284 | $85,974 | $80,734 |
| Groundwork market score | 76 | 73 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 28−10.3% over the period
- Employees, 2023
- 296
- Annual payroll, 2023
- $26M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6119 chain locations
- Listings at the U.S. rate for this spending
- 202The 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 Rochester 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 Rochester metro area
- Population, 2025 estimate
- 1,056,149−0.7% since 2020
- Households
- 445,836
- Median age
- 42.2
- Homes lived in by their owners
- 67%
- Vehicles per household
- 1.6
- Land area
- 2,928 sq. mi.
- People per square mile
- 362
- Median household income
- $76,284
- Average household income
- $100,943
- Median home value
- $204,600
- Jobs located here
- 501,944
- Daytime population
- 1,064,689Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Rochester 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 Rochester 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 Rochester 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 Rochester 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 estate67
- Real estate agents and brokers67
- Property management50
- Mortgage brokers and lenders76
- Home inspectors65
Funeral services
Questions
How many mortgage brokers and lenders are in the Rochester, NY metro area?
As of September 2026, map listings count 61 mortgage brokers and lenders in the Rochester metro area. 19 of them (31%) 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, down 10.3% from 2019.
How much do households in the Rochester, NY metro area spend on rent and homeowner costs?
About $7.9B a year, or $17,716 per household. That is 6% above the U.S. average (an index of 106, where 100 is the U.S. average). For the 61 mortgage brokers and lenders on map listings, housing spending per office is 3.3 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. It is estimated from the incomes of the 445,836 households in the Rochester metro area and national spending patterns by income.
How does the Rochester, NY metro area compare with the U.S. for mortgage brokers and lenders?
The Rochester 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 332, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, the Rochester metro area would have about 202, against 61 on map listings. There is one business with payroll in the industry for every 15,923 households, against one for every 4,897 across the U.S. The official count fell 10.3% from 2019 to 2023, against +9.5% for the U.S.
How fast is the Rochester, NY metro area growing?
Population estimates put the Rochester metro area at 1,056,149 people in 2025, down 0.7% since 2020, against +3.1% for the U.S. It has 445,836 households. Median household income in the Rochester metro area is $76,284, 6% below the U.S. median of $80,734.
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 Rochester metro area scores 76 for mortgage brokers and lenders (high), #16 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 Rochester 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 Rochester metro area
Screening a site or an acquisition in the Rochester 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 Rochester 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.