Real estate · Metro area · Virginia
Mortgage brokers and lenders in the Charlottesville, VA metro area
The mortgage brokers and lenders in the Charlottesville, VA metro area, the household spending behind them and how the market ranks against other metro areas.
Groundwork market score · out of 100
Score 39 out of 100: Lower middle
Ranked #274 of 373 scored metro areas
#6 of 9 scored metro areas based in Virginia
- Listings
- 45
- 10 chain locations (22%)
- Official establishments
- 24
- −15.4% since 2019
- Household spending a year
- $1.5B
- On rent and homeowner costs · $16,795 a household
- Housing spending per listing (U.S. = 100)
- 87
- 13% below the U.S.
- Listings per 10k households
- 5.0
- 16% above the U.S.
- Population, 2025
- 228,597
- +3.1% since 2020
See the mortgage brokers and lenders around any address in the Charlottesville 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 Charlottesville 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
Household spending on rent and homeowner costs in the Charlottesville metro area comes to about $1.5B a year: $16,795 per household, in line with the U.S. average. Housing spending per office is 13% 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 Charlottesville metro area has 45 mortgage brokers and lenders on map listings as of September 2026. Of those, 10 are chain locations, or 22%, against 21% across the U.S. Per 10,000 households, that is 5.0, 16% above the U.S. rate of 4.3.
Official counts show 24 businesses with payroll classed as mortgage brokers and real estate lenders in the Charlottesville metro area in 2023, down 15.4% from 2019. That is one for every 3,769 households, against one for every 4,897 across the U.S.
Population estimates put the population change in the Charlottesville metro area from 2020 to 2025 at +3.1%, in step with the U.S. (+3.1%). The Charlottesville metro area scores 39 (lower middle) on the Groundwork market score for mortgage brokers and lenders, ranking #274 of 373 scored metro areas and #6 of 9 scored metro areas based in Virginia.
How the Charlottesville metro area compares
The same measures for Virginia 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 | Charlottesville metro area | Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 5.0 | 4.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 87 | 104 | 100 |
| Households per official establishment | 3,769 | 3,955 | 4,897 |
| Official establishment growth, 2019–2023 | −15.4% | +24.1% | +9.5% |
| Population growth, 2020–2025 | +3.1% | +2.8% | +3.1% |
| Spending per household on rent and homeowner costs | $16,795 | $16,844 | $16,661 |
| Median household income | $93,598 | $93,170 | $80,734 |
| Groundwork market score | 39 | 45 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 24−15.4% over the period
- Employees, 2023
- 66
- Annual payroll, 2023
- $5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 4510 chain locations
- Listings at the U.S. rate for this spending
- 39The 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 Charlottesville 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 Charlottesville metro area
- Population, 2025 estimate
- 228,597+3.1% since 2020
- Households
- 90,452
- Median age
- 41.6
- Homes lived in by their owners
- 66%
- Vehicles per household
- 1.9
- Land area
- 1,644 sq. mi.
- People per square mile
- 136
- Median household income
- $93,598+28.8% vs. 2015–2019, before inflation
- Average household income
- $130,972
- Median home value
- $430,300
- Jobs located here
- 108,968
- Daytime population
- 237,767Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Charlottesville 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 Charlottesville 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 Virginia
Every Virginia market ranked →The highest-scoring metro areas in Virginia for mortgage brokers and lenders, numbered among those based in Virginia (a market based in another state is listed without a number), with the Charlottesville metro area marked.
Top metro areas in Virginia
| 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 |
Other business types in the Charlottesville 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 estate37
- Real estate agents and brokers41
- Property management29
- Mortgage brokers and lenders39
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Charlottesville, VA metro area?
Map listings as of September 2026 show 45 mortgage brokers and lenders in the Charlottesville metro area. 10 of them (22%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 24 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, down 15.4% from 2019.
How much do households in the Charlottesville, VA metro area spend on rent and homeowner costs?
About $1.5B a year, or $16,795 per household. That is in line with the U.S. average (an index of 101, where 100 is the U.S. average). For the 45 mortgage brokers and lenders on map listings, housing spending per office is 13% 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 90,452 households in the Charlottesville metro area and national spending patterns by income.
How does the Charlottesville, VA metro area compare with the U.S. for mortgage brokers and lenders?
The Charlottesville metro area has 5.0 mortgage brokers and lenders per 10,000 households, 16% above the U.S. rate of 4.3. The index of housing spending per office is 87, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, the Charlottesville metro area would have about 39, against 45 on map listings. There is one business with payroll in the industry for every 3,769 households, against one for every 4,897 across the U.S. The official count fell 15.4% from 2019 to 2023, against +9.5% for the U.S.
How fast is the Charlottesville, VA metro area growing?
Population estimates put the Charlottesville metro area at 228,597 people in 2025, up 3.1% since 2020, in step with the U.S. (+3.1%). It has 90,452 households. Median household income in the Charlottesville metro area is $93,598, 16% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 28.8%, 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. The Charlottesville metro area scores 39 for mortgage brokers and lenders (lower middle), #274 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 Charlottesville 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 Charlottesville metro area
Screening a site or an acquisition in the Charlottesville 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 Charlottesville 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.