Market rankings · Virginia
Mortgage brokers and lenders in Virginia
Every metro area, small-town market and county in Virginia, ranked by the Groundwork market score for mortgage brokers and lenders, with competitor counts and household spending for each.
- Listings
- 1,396
- 286 chain locations (20%)
- Official establishments
- 851
- +24.1% since 2019
- Household spending a year
- $56.7B
- On rent and homeowner costs
- Listings per 10k households
- 4.1
- 5% below the U.S.
- Housing spending per listing (U.S. = 100)
- 104
- 4% above the U.S.
- Rank among states
- #31 of 51
- Market score 45 · Lower middle
A site report maps the mortgage brokers and lenders on map listings around any address in Virginia 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
Virginia has 1,396 mortgage brokers and lenders on map listings as of September 2026. Chain locations make up 20% of them, against 21% across the U.S. That comes to 4.1 for every 10,000 households, 5% below the U.S. rate of 4.3.
Households in Virginia spend about $56.7B a year on rent and homeowner costs, or $16,844 per household, in line with the U.S. average. Housing spending per office is 4% above 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.
In 2023, official counts showed 851 businesses with payroll in Virginia classed as mortgage brokers and real estate lenders, up 24.1% from 2019. That is one for every 3,955 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, 2 SBA-backed loans worth $435K have gone to businesses classed as mortgage brokers and real estate lenders in Virginia.
Among the 50 states and DC, Virginia ranks #31 for mortgage brokers and lenders, with a Groundwork market score of 45 (lower middle). Of the 11 scored metro areas in or partly in Virginia, the Kingsport-Bristol metro area scores highest (63). The one scored small-town market in or partly in Virginia, the Danville area, scores 50.
Every market in Virginia for mortgage brokers and lenders
Download the ranking (CSV)Numbered by Groundwork market score among the markets based in Virginia, 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 |
|---|---|---|---|---|---|---|
| Kingsport-Bristol, TN-VA | 63 | 29 | 2.2 | 159 | +2.3% | #71 of 373 |
| 1Lynchburg, VA | 59 | 23 | 2.2 | 167 | +2.9% | #106 of 373 |
| 2Staunton-Stuarts Draft, VA | 54 | 14 | 2.7 | 140 | +3.2% | #150 of 373 |
| 3Blacksburg-Christiansburg-Radford, VA | 53 | 20 | 2.8 | 131 | −0.1% | #156 of 373 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 52 | 1,080 | 4.6 | 107 | +3.3% | #166 of 373 |
| 4Richmond, VA | 47 | 230 | 4.3 | 97 | +5.5% | #210 of 373 |
| 5Winchester, VA-WV | 41 | 29 | 5.2 | 78 | +6.5% | #260 of 373 |
| 6Charlottesville, VA | 39 | 45 | 5.0 | 87 | +3.1% | #274 of 373 |
| 7Harrisonburg, VA | 35 | 23 | 4.6 | 83 | +3.5% | #317 of 373 |
| 8Virginia Beach-Chesapeake-Norfolk, VA-NC | 33 | 301 | 4.3 | 95 | +0.9% | #333 of 373 |
| 9Roanoke, VA | 27 | 60 | 4.6 | 83 | +0.4% | #360 of 373 |
Small-town markets
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Danville, VA | 50 | 9 | 2.0 | 164 | −1.7% | #91 of 177 |
| Bluefield, WV-VA | Not scored | 4 | 1.0 | 341 | −3.8% | |
| Martinsville, VA | Not scored | 2 | 0.7 | 444 | −1.9% | |
| Lake of the Woods, VA | Not scored | 3 | 2.0 | 210 | +10.1% |
Counties
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Frederick County, VA | 81 | 8 | 2.3 | 192 | +8.8% | #28 of 887 |
| 2Spotsylvania County, VA | 79 | 13 | 2.5 | 183 | +10.5% | #40 of 887 |
| 3Stafford County, VA | 75 | 13 | 2.5 | 202 | +8.3% | #66 of 887 |
| 4Arlington County, VA | 74 | 30 | 2.7 | 190 | +2.1% | #75 of 887 |
| 5Suffolk city, VA | 73 | 5 | 1.3 | 317 | +10.4% | #77 of 887 |
| 6Prince William County, VA | 67 | 53 | 3.4 | 147 | +4.2% | #149 of 887 |
| 7Loudoun County, VA | 67 | 65 | 4.5 | 124 | +6.4% | #153 of 887 |
| 8Hanover County, VA | 66 | 9 | 2.1 | 216 | +5.6% | #159 of 887 |
| 9Bedford County, VA | 65 | 8 | 2.4 | 164 | +4.4% | #165 of 887 |
| 10Augusta County, VA | 60 | 6 | 1.9 | 200 | +1.8% | #241 of 887 |
| 11Warren County, VA | 60 | 5 | 3.3 | 125 | +4.8% | #250 of 887 |
| 12Manassas city, VA | 60 | 6 | 4.2 | 109 | +3.9% | #255 of 887 |
| 13Culpeper County, VA | 59 | 7 | 3.7 | 116 | +9.3% | #268 of 887 |
| 14Fauquier County, VA | 57 | 9 | 3.4 | 144 | +4.8% | #294 of 887 |
| 15Alexandria city, VA | 57 | 27 | 3.5 | 134 | +1.0% | #296 of 887 |
| 16Norfolk city, VA | 54 | 17 | 1.8 | 208 | −2.9% | #339 of 887 |
| 17Franklin County, VA | 54 | 6 | 2.6 | 144 | +1.9% | #344 of 887 |
| 18Chesterfield County, VA | 52 | 64 | 4.6 | 97 | +8.7% | #402 of 887 |
| 19Chesapeake city, VA | 50 | 32 | 3.4 | 125 | +2.3% | #438 of 887 |
| 20Richmond city, VA | 45 | 40 | 3.8 | 98 | +4.6% | #530 of 887 |
| 21Montgomery County, VA | 45 | 15 | 4.1 | 95 | −1.2% | #531 of 887 |
| 22Roanoke city, VA | 40 | 15 | 3.4 | 101 | −0.8% | #614 of 887 |
| 23Albemarle County, VA | 36 | 32 | 7.0 | 65 | +5.1% | #700 of 887 |
| 24Fairfax city, VA | 36 | 29 | 31.7 | 16 | +10.8% | #705 of 887 |
| 25Fairfax County, VA | 34 | 325 | 7.8 | 67 | +1.7% | #729 of 887 |
Show all 133 counties
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 26James City County, VA | 34 | 25 | 7.8 | 58 | +6.2% | #733 of 887 |
| 27Fredericksburg city, VA | 29 | 32 | 27.3 | 15 | +8.6% | #802 of 887 |
| 28Newport News city, VA | 27 | 28 | 3.7 | 100 | −1.5% | #819 of 887 |
| 29Henrico County, VA | 27 | 105 | 7.6 | 55 | +2.3% | #824 of 887 |
| 30Charlottesville city, VA | 25 | 13 | 6.6 | 61 | −4.4% | #840 of 887 |
| 31Colonial Heights city, VA | 25 | 5 | 6.6 | 58 | +3.2% | #841 of 887 |
| 32Lynchburg city, VA | 24 | 15 | 5.2 | 67 | +3.0% | #848 of 887 |
| 33Roanoke County, VA | 18 | 34 | 8.6 | 47 | +0.2% | #870 of 887 |
| 34Danville city, VA | 17 | 8 | 4.2 | 77 | −2.2% | #872 of 887 |
| 35Virginia Beach city, VA | 16 | 172 | 9.6 | 44 | −1.3% | #875 of 887 |
| 36Winchester city, VA | 13 | 20 | 17.4 | 21 | +1.0% | #884 of 887 |
| 37Harrisonburg city, VA | 7 | 20 | 11.5 | 31 | −1.7% | #887 of 887 |
| Hampton city, VA | Not scored | 4 | 0.7 | 540 | 0.0% | |
| Portsmouth city, VA | Not scored | 1 | 0.2 | 1,420 | −1.2% | |
| Rockingham County, VA | Not scored | 3 | 0.9 | 431 | +6.6% | |
| York County, VA | Not scored | 4 | 1.5 | 307 | +1.6% | |
| Pittsylvania County, VA | Not scored | 1 | 0.4 | 854 | −1.5% | |
| Campbell County, VA | Not scored | 0 | 0.0 | n/a | +0.1% | |
| Washington County, VA | Not scored | 1 | 0.5 | 804 | 0.0% | |
| Henry County, VA | Not scored | 1 | 0.5 | 698 | −3.1% | |
| Shenandoah County, VA | Not scored | 2 | 1.1 | 336 | +3.6% | |
| Prince George County, VA | Not scored | 0 | 0.0 | n/a | +2.0% | |
| Louisa County, VA | Not scored | 1 | 0.6 | 633 | +13.6% | |
| Isle of Wight County, VA | Not scored | 2 | 1.3 | 330 | +6.7% | |
| Tazewell County, VA | Not scored | 1 | 0.6 | 540 | −4.4% | |
| Gloucester County, VA | Not scored | 4 | 2.6 | 155 | +3.6% | |
| Orange County, VA | Not scored | 3 | 2.0 | 210 | +10.1% | |
| Wise County, VA | Not scored | 0 | 0.0 | n/a | −3.5% | |
| Botetourt County, VA | Not scored | 2 | 1.5 | 262 | +1.5% | |
| Pulaski County, VA | Not scored | 0 | 0.0 | n/a | −0.6% | |
| Halifax County, VA | Not scored | 0 | 0.0 | n/a | −1.4% | |
| Petersburg city, VA | Not scored | 0 | 0.0 | n/a | +1.0% | |
| Accomack County, VA | Not scored | 1 | 0.7 | 513 | +1.4% | |
| Caroline County, VA | Not scored | 1 | 0.8 | 489 | +11.3% | |
| Powhatan County, VA | Not scored | 1 | 0.9 | 512 | +7.0% | |
| Amherst County, VA | Not scored | 0 | 0.0 | n/a | +2.1% | |
| Mecklenburg County, VA | Not scored | 4 | 2.9 | 119 | +1.5% | |
| Smyth County, VA | Not scored | 1 | 0.8 | 422 | −3.0% | |
| Carroll County, VA | Not scored | 2 | 1.6 | 213 | +0.5% | |
| Dinwiddie County, VA | Not scored | 0 | 0.0 | n/a | +3.6% | |
| Wythe County, VA | Not scored | 1 | 0.8 | 431 | −1.2% | |
| Fluvanna County, VA | Not scored | 0 | 0.0 | n/a | +6.2% | |
| King George County, VA | Not scored | 1 | 1.0 | 462 | +10.5% | |
| Goochland County, VA | Not scored | 3 | 2.9 | 166 | +17.4% | |
| Staunton city, VA | Not scored | 4 | 3.5 | 102 | +3.8% | |
| Salem city, VA | Not scored | 3 | 2.9 | 130 | +1.7% | |
| Russell County, VA | Not scored | 0 | 0.0 | n/a | −1.7% | |
| New Kent County, VA | Not scored | 1 | 1.1 | 426 | +21.2% | |
| Page County, VA | Not scored | 1 | 1.0 | 344 | +0.3% | |
| Hopewell city, VA | Not scored | 1 | 1.1 | 319 | +1.1% | |
| Waynesboro city, VA | Not scored | 4 | 4.1 | 88 | +7.5% | |
| Rockbridge County, VA | Not scored | 0 | 0.0 | n/a | 0.0% | |
| Prince Edward County, VA | Not scored | 0 | 0.0 | n/a | +2.3% | |
| Lee County, VA | Not scored | 0 | 0.0 | n/a | −2.1% | |
| Scott County, VA | Not scored | 1 | 1.1 | 296 | −1.8% | |
| Greene County, VA | Not scored | 0 | 0.0 | n/a | +6.6% | |
| Buchanan County, VA | Not scored | 0 | 0.0 | n/a | −8.7% | |
| Westmoreland County, VA | Not scored | 0 | 0.0 | n/a | +6.5% | |
| King William County, VA | Not scored | 0 | 0.0 | n/a | +9.5% | |
| Southampton County, VA | Not scored | 1 | 1.5 | 254 | +0.9% | |
| Patrick County, VA | Not scored | 1 | 1.3 | 271 | −0.9% | |
| Buckingham County, VA | Not scored | 0 | 0.0 | n/a | +1.9% | |
| Bristol city, VA | Not scored | 0 | 0.0 | n/a | −5.2% | |
| Manassas Park city, VA | Not scored | 0 | 0.0 | n/a | −3.5% | |
| Radford city, VA | Not scored | 3 | 5.4 | 64 | +7.0% | |
| Appomattox County, VA | Not scored | 0 | 0.0 | n/a | +6.3% | |
| Giles County, VA | Not scored | 1 | 1.5 | 242 | −1.3% | |
| Brunswick County, VA | Not scored | 0 | 0.0 | n/a | −0.6% | |
| Williamsburg city, VA | Not scored | 1 | 2.0 | 196 | +2.6% | |
| Nottoway County, VA | Not scored | 0 | 0.0 | n/a | +1.0% | |
| Floyd County, VA | Not scored | 1 | 1.5 | 239 | +2.1% | |
| Grayson County, VA | Not scored | 0 | 0.0 | n/a | −0.3% | |
| Clarke County, VA | Not scored | 0 | 0.0 | n/a | +5.4% | |
| Alleghany County, VA | Not scored | 0 | 0.0 | n/a | −4.2% | |
| Nelson County, VA | Not scored | 0 | 0.0 | n/a | +1.2% | |
| Falls Church city, VA | Not scored | 3 | 4.8 | 110 | +3.3% | |
| Madison County, VA | Not scored | 0 | 0.0 | n/a | +2.7% | |
| Dickenson County, VA | Not scored | 0 | 0.0 | n/a | −6.0% | |
| Martinsville city, VA | Not scored | 1 | 1.8 | 190 | +2.8% | |
| Amelia County, VA | Not scored | 0 | 0.0 | n/a | +2.7% | |
| Poquoson city, VA | Not scored | 0 | 0.0 | n/a | +6.6% | |
| Northumberland County, VA | Not scored | 0 | 0.0 | n/a | +6.1% | |
| Northampton County, VA | Not scored | 0 | 0.0 | n/a | −2.8% | |
| Lunenburg County, VA | Not scored | 0 | 0.0 | n/a | +0.9% | |
| Charlotte County, VA | Not scored | 0 | 0.0 | n/a | −1.2% | |
| Greensville County, VA | Not scored | 0 | 0.0 | n/a | −1.8% | |
| Lancaster County, VA | Not scored | 0 | 0.0 | n/a | +0.9% | |
| Middlesex County, VA | Not scored | 0 | 0.0 | n/a | +2.2% | |
| Sussex County, VA | Not scored | 1 | 2.6 | 136 | −0.4% | |
| Essex County, VA | Not scored | 0 | 0.0 | n/a | +0.5% | |
| Cumberland County, VA | Not scored | 0 | 0.0 | n/a | +6.9% | |
| Richmond County, VA | Not scored | 1 | 3.1 | 116 | +4.2% | |
| Mathews County, VA | Not scored | 0 | 0.0 | n/a | +0.1% | |
| Franklin city, VA | Not scored | 2 | 5.8 | 60 | +4.1% | |
| Lexington city, VA | Not scored | 1 | 4.6 | 84 | +6.2% | |
| Rappahannock County, VA | Not scored | 0 | 0.0 | n/a | +1.6% | |
| Galax city, VA | Not scored | 0 | 0.0 | n/a | −0.7% | |
| King and Queen County, VA | Not scored | 0 | 0.0 | n/a | +2.4% | |
| Charles City County, VA | Not scored | 0 | 0.0 | n/a | −1.8% | |
| Buena Vista city, VA | Not scored | 1 | 3.9 | 84 | +0.9% | |
| Surry County, VA | Not scored | 0 | 0.0 | n/a | +0.8% | |
| Bland County, VA | Not scored | 0 | 0.0 | n/a | −1.7% | |
| Covington city, VA | Not scored | 1 | 3.9 | 79 | −1.2% | |
| Emporia city, VA | Not scored | 0 | 0.0 | n/a | −4.4% | |
| Craig County, VA | Not scored | 0 | 0.0 | n/a | −1.6% | |
| Bath County, VA | Not scored | 0 | 0.0 | n/a | −2.6% | |
| Norton city, VA | Not scored | 1 | 6.2 | 49 | −5.5% | |
| Highland County, VA | Not scored | 0 | 0.0 | n/a | +3.4% |
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 Virginia?
Map listings as of September 2026 show 1,396 mortgage brokers and lenders in Virginia. 286 of them (20%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 851 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 24.1% from 2019.
How much do households in Virginia spend on rent and homeowner costs?
About $56.7B a year, or $16,844 per household. That is in line with the U.S. average (an index of 101, where 100 is the U.S. average). For the 1,396 mortgage brokers and lenders on map listings, housing spending per office is 4% above 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 3,365,732 households in Virginia and national spending patterns by income.
How does Virginia compare with the U.S. for mortgage brokers and lenders?
Virginia 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 104, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, Virginia would have about 1,453, against 1,396 on map listings. There is one business with payroll in the industry for every 3,955 households, against one for every 4,897 across the U.S. The official count rose 24.1% from 2019 to 2023, against +9.5% for the U.S.
Which market in Virginia has the highest market score for mortgage brokers and lenders?
Among 11 scored metro areas in or partly in Virginia, the Kingsport-Bristol metro area scores highest, at 63 (upper middle). The one scored small-town market in or partly in Virginia is the Danville area, at 50 (upper middle). Among 37 scored counties in Virginia, Frederick County scores highest, at 81 (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. Virginia scores 45 for mortgage brokers and lenders (lower middle), #31 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 Virginia. 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 Virginia
Related business types in Virginia
- Real estate13,788 listings
- Real estate agents and brokers11,262 listings
- Property management971 listings
- Home inspectors158 listings
Screening a site or an acquisition in Virginia?
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.