Market rankings · North Carolina
Mortgage brokers and lenders in North Carolina
Every metro area, small-town market and county in North Carolina, ranked by the Groundwork market score for mortgage brokers and lenders, with competitor counts and household spending for each.
- Listings
- 1,750
- 409 chain locations (23%)
- Official establishments
- 783
- +19.9% since 2019
- Household spending a year
- $64.8B
- On rent and homeowner costs
- Listings per 10k households
- 4.1
- 5% below the U.S.
- Housing spending per listing (U.S. = 100)
- 95
- 5% below the U.S.
- Rank among states
- #29 of 51
- Market score 47 · Lower middle
A site report maps the mortgage brokers and lenders on map listings around any address in North Carolina by name and distance, and the spending within reach.
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
North Carolina has 1,750 mortgage brokers and lenders on map listings as of September 2026. Chain locations make up 23% of them, against 21% across the U.S. Per 10,000 households, that is 4.1, 5% below the U.S. rate of 4.3.
At $15,139 per household (9% below the U.S. average), households in North Carolina spend about $64.8B a year on rent and homeowner costs. Housing spending per office is 5% below 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.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in North Carolina was 783 in 2023, up 19.9% from 2019. That is one for every 5,469 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, 3 SBA-backed loans worth $400K have gone to businesses classed as mortgage brokers and real estate lenders in North Carolina.
Among the 50 states and DC, North Carolina ranks #29 for mortgage brokers and lenders, with a Groundwork market score of 47 (lower middle). Of the 15 scored metro areas in or partly in North Carolina, the Winston-Salem metro area scores highest (77). Of the 10 scored small-town markets in or partly in North Carolina, the Shelby-Kings Mountain area scores highest (74).
Every market in North Carolina for mortgage brokers and lenders
Download the ranking (CSV)Numbered by Groundwork market score among the markets based in North Carolina, 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
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Winston-Salem, NC | 77 | 49 | 1.7 | 214 | +5.3% | #11 of 373 |
| 2Durham-Chapel Hill, NC | 72 | 66 | 2.7 | 157 | +7.5% | #24 of 373 |
| 3Burlington, NC | 64 | 18 | 2.6 | 143 | +8.5% | #66 of 373 |
| 4Hickory-Lenoir-Morganton, NC | 59 | 38 | 2.5 | 142 | +3.2% | #108 of 373 |
| 5Greensboro-High Point, NC | 54 | 96 | 3.0 | 122 | +4.1% | #153 of 373 |
| 6Goldsboro, NC | 52 | 18 | 3.8 | 94 | +3.8% | #169 of 373 |
| 7Jacksonville, NC | 44 | 29 | 3.9 | 95 | +6.0% | #230 of 373 |
| 8Greenville, NC | 44 | 30 | 4.0 | 88 | +5.4% | #233 of 373 |
| 9Raleigh-Cary, NC | 42 | 346 | 6.0 | 73 | +12.6% | #250 of 373 |
| 10Fayetteville, NC | 40 | 56 | 3.8 | 95 | +1.6% | #262 of 373 |
| 11Charlotte-Concord-Gastonia, NC-SC | 38 | 691 | 6.4 | 64 | +10.1% | #286 of 373 |
| 12Asheville, NC | 37 | 76 | 4.7 | 82 | +3.6% | #296 of 373 |
| 13Pinehurst-Southern Pines, NC | 36 | 30 | 6.8 | 59 | +10.3% | #307 of 373 |
| 14Wilmington, NC | 34 | 133 | 6.7 | 59 | +15.9% | #330 of 373 |
| Virginia Beach-Chesapeake-Norfolk, VA-NC | 33 | 301 | 4.3 | 95 | +0.9% | #333 of 373 |
| Rocky Mount, NC | Not scored | 4 | 0.7 | 518 | +2.8% |
Small-town markets
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Shelby-Kings Mountain, NC | 74 | 5 | 1.3 | 272 | +3.4% | #13 of 177 |
| 2Anderson Creek, NC | 73 | 13 | 2.6 | 143 | +12.3% | #17 of 177 |
| 3Sanford, NC | 65 | 8 | 3.2 | 114 | +10.8% | #34 of 177 |
| 4Forest City, NC | 62 | 6 | 2.3 | 150 | +2.1% | #41 of 177 |
| 5New Bern, NC | 61 | 14 | 2.7 | 135 | +3.6% | #45 of 177 |
| 6Mount Airy, NC | 59 | 6 | 2.0 | 171 | +1.3% | #51 of 177 |
| 7Boone, NC | 56 | 5 | 2.4 | 149 | +0.6% | #70 of 177 |
| 8Morehead City, NC | 47 | 12 | 3.8 | 103 | +4.1% | #100 of 177 |
| 9Wilson, NC | 38 | 13 | 3.9 | 88 | +1.7% | #130 of 177 |
| 10Kill Devil Hills, NC | 28 | 15 | 8.9 | 47 | +3.3% | #159 of 177 |
| Lumberton, NC | Not scored | 1 | 0.2 | 1,361 | +3.4% | |
| North Wilkesboro, NC | Not scored | 1 | 0.4 | 900 | +0.6% | |
| Albemarle, NC | Not scored | 1 | 0.4 | 902 | +9.8% | |
| Roanoke Rapids, NC | Not scored | 2 | 0.7 | 464 | −4.3% | |
| Waynesville, NC | Not scored | 4 | 1.5 | 244 | +1.9% | |
| Kinston, NC | Not scored | 4 | 1.7 | 190 | +1.4% | |
| Marion, NC | Not scored | 4 | 2.1 | 161 | +1.5% | |
| Washington, NC | Not scored | 0 | 0.0 | n/a | 0.0% | |
| Rockingham, NC | Not scored | 2 | 1.2 | 273 | −1.6% | |
| Henderson, NC | Not scored | 1 | 0.6 | 542 | +0.2% | |
| Elizabeth City, NC | Not scored | 3 | 1.9 | 191 | +4.5% | |
| Brevard, NC | Not scored | 0 | 0.0 | n/a | +2.9% | |
| Laurinburg, NC | Not scored | 1 | 0.8 | 412 | −0.3% |
Counties
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Cabarrus County, NC | 85 | 17 | 2.0 | 208 | +9.9% | #8 of 887 |
| 2Johnston County, NC | 82 | 15 | 1.8 | 227 | +17.9% | #22 of 887 |
| 3Union County, NC | 81 | 16 | 1.9 | 236 | +11.7% | #26 of 887 |
| 4Lincoln County, NC | 78 | 6 | 1.6 | 248 | +13.2% | #42 of 887 |
| 5Gaston County, NC | 76 | 18 | 1.9 | 194 | +7.8% | #61 of 887 |
| 6Iredell County, NC | 75 | 21 | 2.8 | 147 | +12.9% | #69 of 887 |
| 7Davidson County, NC | 71 | 11 | 1.6 | 231 | +6.6% | #103 of 887 |
| 8Forsyth County, NC | 71 | 37 | 2.3 | 162 | +5.0% | #107 of 887 |
| 9Durham County, NC | 70 | 40 | 2.8 | 146 | +7.7% | #124 of 887 |
| 10Randolph County, NC | 67 | 9 | 1.6 | 226 | +3.5% | #144 of 887 |
| 11Harnett County, NC | 67 | 13 | 2.6 | 143 | +12.3% | #150 of 887 |
| 12Alamance County, NC | 65 | 18 | 2.6 | 143 | +8.5% | #171 of 887 |
| 13Cleveland County, NC | 64 | 5 | 1.3 | 272 | +3.4% | #180 of 887 |
| 14Lee County, NC | 61 | 8 | 3.2 | 114 | +10.8% | #234 of 887 |
| 15Rockingham County, NC | 60 | 6 | 1.5 | 227 | +3.3% | #240 of 887 |
| 16Orange County, NC | 60 | 21 | 3.7 | 119 | +6.1% | #252 of 887 |
| 17Macon County, NC | 56 | 5 | 2.7 | 132 | +5.8% | #311 of 887 |
| 18Henderson County, NC | 56 | 17 | 3.3 | 113 | +5.0% | #314 of 887 |
| 19Currituck County, NC | 56 | 6 | 5.1 | 84 | +16.7% | #323 of 887 |
| 20Rutherford County, NC | 55 | 6 | 2.3 | 150 | +2.1% | #327 of 887 |
| 21Wayne County, NC | 53 | 18 | 3.8 | 94 | +3.8% | #391 of 887 |
| 22Brunswick County, NC | 52 | 29 | 4.2 | 92 | +26.5% | #403 of 887 |
| 23Watauga County, NC | 51 | 5 | 2.4 | 149 | +0.6% | #413 of 887 |
| 24Surry County, NC | 50 | 6 | 2.0 | 171 | +1.3% | #433 of 887 |
| 25Guilford County, NC | 49 | 81 | 3.7 | 103 | +4.4% | #459 of 887 |
Show all 100 counties
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 26Catawba County, NC | 48 | 30 | 4.5 | 82 | +5.8% | #484 of 887 |
| 27Pitt County, NC | 47 | 30 | 4.0 | 88 | +5.4% | #498 of 887 |
| 28Craven County, NC | 46 | 14 | 3.3 | 111 | +3.5% | #510 of 887 |
| 29Onslow County, NC | 46 | 29 | 3.9 | 95 | +6.0% | #511 of 887 |
| 30Carteret County, NC | 44 | 12 | 3.8 | 103 | +4.1% | #544 of 887 |
| 31Wake County, NC | 41 | 330 | 7.2 | 63 | +11.2% | #610 of 887 |
| 32Moore County, NC | 38 | 30 | 6.8 | 59 | +10.3% | #667 of 887 |
| 33Cumberland County, NC | 34 | 55 | 4.2 | 84 | +0.4% | #724 of 887 |
| 34Mecklenburg County, NC | 33 | 528 | 11.3 | 37 | +10.5% | #746 of 887 |
| 35Buncombe County, NC | 30 | 58 | 5.7 | 69 | +2.9% | #782 of 887 |
| 36Wilson County, NC | 29 | 13 | 3.9 | 88 | +1.7% | #789 of 887 |
| 37New Hanover County, NC | 29 | 102 | 9.7 | 41 | +8.6% | #798 of 887 |
| 38Dare County, NC | 25 | 15 | 8.9 | 47 | +3.3% | #843 of 887 |
| Rowan County, NC | Not scored | 3 | 0.5 | 719 | +5.6% | |
| Robeson County, NC | Not scored | 1 | 0.2 | 1,361 | +3.4% | |
| Nash County, NC | Not scored | 4 | 1.0 | 352 | +3.9% | |
| Burke County, NC | Not scored | 3 | 0.8 | 425 | +1.6% | |
| Caldwell County, NC | Not scored | 3 | 0.9 | 380 | +0.7% | |
| Chatham County, NC | Not scored | 3 | 0.9 | 485 | +11.0% | |
| Franklin County, NC | Not scored | 1 | 0.4 | 1,080 | +18.8% | |
| Wilkes County, NC | Not scored | 1 | 0.4 | 900 | +0.6% | |
| Pender County, NC | Not scored | 2 | 0.8 | 498 | +19.0% | |
| Stanly County, NC | Not scored | 1 | 0.4 | 902 | +9.8% | |
| Haywood County, NC | Not scored | 4 | 1.5 | 244 | +1.9% | |
| Granville County, NC | Not scored | 1 | 0.4 | 851 | +2.1% | |
| Sampson County, NC | Not scored | 0 | 0.0 | n/a | +4.1% | |
| Lenoir County, NC | Not scored | 4 | 1.7 | 190 | +1.4% | |
| Hoke County, NC | Not scored | 1 | 0.5 | 703 | +9.0% | |
| Columbus County, NC | Not scored | 4 | 2.0 | 166 | 0.0% | |
| Duplin County, NC | Not scored | 1 | 0.5 | 706 | +6.0% | |
| Edgecombe County, NC | Not scored | 0 | 0.0 | n/a | +0.7% | |
| Halifax County, NC | Not scored | 2 | 1.0 | 332 | −3.9% | |
| Stokes County, NC | Not scored | 0 | 0.0 | n/a | +3.5% | |
| McDowell County, NC | Not scored | 4 | 2.1 | 161 | +1.5% | |
| Beaufort County, NC | Not scored | 0 | 0.0 | n/a | 0.0% | |
| Davie County, NC | Not scored | 0 | 0.0 | n/a | +6.9% | |
| Jackson County, NC | Not scored | 0 | 0.0 | n/a | +6.9% | |
| Richmond County, NC | Not scored | 2 | 1.2 | 273 | −1.6% | |
| Vance County, NC | Not scored | 1 | 0.6 | 542 | +0.2% | |
| Pasquotank County, NC | Not scored | 3 | 1.9 | 191 | +4.5% | |
| Person County, NC | Not scored | 2 | 1.2 | 294 | +3.7% | |
| Yadkin County, NC | Not scored | 1 | 0.7 | 544 | +2.9% | |
| Alexander County, NC | Not scored | 2 | 1.4 | 251 | +1.5% | |
| Transylvania County, NC | Not scored | 0 | 0.0 | n/a | +2.9% | |
| Scotland County, NC | Not scored | 1 | 0.8 | 412 | −0.3% | |
| Bladen County, NC | Not scored | 1 | 0.8 | 383 | +1.3% | |
| Cherokee County, NC | Not scored | 3 | 2.3 | 149 | +6.8% | |
| Ashe County, NC | Not scored | 1 | 0.8 | 422 | +3.5% | |
| Montgomery County, NC | Not scored | 0 | 0.0 | n/a | +2.7% | |
| Caswell County, NC | Not scored | 1 | 1.1 | 303 | +0.4% | |
| Anson County, NC | Not scored | 1 | 1.2 | 274 | −2.1% | |
| Madison County, NC | Not scored | 1 | 1.2 | 296 | +5.9% | |
| Martin County, NC | Not scored | 0 | 0.0 | n/a | −1.6% | |
| Greene County, NC | Not scored | 0 | 0.0 | n/a | +1.3% | |
| Hertford County, NC | Not scored | 0 | 0.0 | n/a | −11.2% | |
| Polk County, NC | Not scored | 1 | 1.1 | 340 | +6.0% | |
| Yancey County, NC | Not scored | 1 | 1.2 | 292 | +3.2% | |
| Warren County, NC | Not scored | 0 | 0.0 | n/a | +1.6% | |
| Avery County, NC | Not scored | 1 | 1.5 | 249 | +1.1% | |
| Bertie County, NC | Not scored | 0 | 0.0 | n/a | −3.6% | |
| Northampton County, NC | Not scored | 0 | 0.0 | n/a | −5.4% | |
| Mitchell County, NC | Not scored | 0 | 0.0 | n/a | +1.1% | |
| Swain County, NC | Not scored | 0 | 0.0 | n/a | −0.6% | |
| Chowan County, NC | Not scored | 0 | 0.0 | n/a | +2.8% | |
| Perquimans County, NC | Not scored | 0 | 0.0 | n/a | +3.6% | |
| Pamlico County, NC | Not scored | 0 | 0.0 | n/a | +3.7% | |
| Clay County, NC | Not scored | 1 | 2.0 | 179 | +9.9% | |
| Alleghany County, NC | Not scored | 2 | 3.9 | 85 | +5.4% | |
| Camden County, NC | Not scored | 0 | 0.0 | n/a | +8.8% | |
| Washington County, NC | Not scored | 1 | 2.1 | 152 | −3.1% | |
| Gates County, NC | Not scored | 0 | 0.0 | n/a | −2.1% | |
| Jones County, NC | Not scored | 0 | 0.0 | n/a | +4.6% | |
| Graham County, NC | Not scored | 0 | 0.0 | n/a | +1.9% | |
| Hyde County, NC | Not scored | 0 | 0.0 | n/a | +1.0% | |
| Tyrrell County, NC | Not scored | 0 | 0.0 | n/a | +9.3% |
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 North Carolina?
Map listings as of September 2026 show 1,750 mortgage brokers and lenders in North Carolina. 409 of them (23%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 783 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 19.9% from 2019.
How much do households in North Carolina spend on rent and homeowner costs?
About $64.8B a year, or $15,139 per household. That is 9% below the U.S. average (an index of 91, where 100 is the U.S. average). For the 1,750 mortgage brokers and lenders on map listings, housing spending per office is 5% below 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 4,282,345 households in North Carolina and national spending patterns by income.
How does North Carolina compare with the U.S. for mortgage brokers and lenders?
North Carolina has 4.1 mortgage brokers and lenders per 10,000 households, 5% below the U.S. rate of 4.3. The index of housing spending per office is 95, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, North Carolina would have about 1,661, against 1,750 on map listings. There is one business with payroll in the industry for every 5,469 households, against one for every 4,897 across the U.S. The official count rose 19.9% from 2019 to 2023, against +9.5% for the U.S.
Which market in North Carolina has the highest market score for mortgage brokers and lenders?
Among 15 scored metro areas in or partly in North Carolina, the Winston-Salem metro area scores highest, at 77 (high). Among 10 scored small-town markets in or partly in North Carolina, the Shelby-Kings Mountain area scores highest, at 74 (upper middle). Among 38 scored counties in North Carolina, Cabarrus County scores highest, at 85 (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. North Carolina scores 47 for mortgage brokers and lenders (lower middle), #29 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 North Carolina. 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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Top markets for mortgage brokers and lenders across the U.S. · All business types in North Carolina
Related business types in North Carolina
- Real estate16,180 listings
- Real estate agents and brokers12,932 listings
- Property management1,257 listings
- Home inspectors241 listings
Screening a site or an acquisition in North Carolina?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
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.