Real estate · County · Virginia
Mortgage brokers and lenders in James City County, VA
The mortgage brokers and lenders in James City County, VA, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 34 out of 100: Lower middle
Ranked #733 of 887 scored counties
#26 of 37 scored counties in Virginia
- Listings
- 25
- 6 chain locations (24%)
- Official establishments
- 17
- Businesses with payroll, 2023
- Household spending a year
- $563.3M
- On rent and homeowner costs · $17,609 a household
- Housing spending per listing (U.S. = 100)
- 58
- 42% below the U.S.
- Listings per 10k households
- 7.8
- 81% above the U.S.
- Population, 2025
- 83,326
- +6.2% since 2020
See the mortgage brokers and lenders around any address in James City 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 James City 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
The Groundwork market score for mortgage brokers and lenders in James City County is 34 (lower middle), #733 of 887 scored counties and #26 of 37 scored counties in Virginia. That puts it in the bottom quarter of counties.
At $17,609 per household (6% above the U.S. average), households in James City County spend about $563.3M a year on rent and homeowner costs. Housing spending per office is 42% 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.
James City County has 25 mortgage brokers and lenders on map listings as of September 2026. Of those, 6 are chain locations, or 24%, against 21% across the U.S. That is 7.8 per 10,000 households, 81% above the U.S. rate of 4.3.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in James City County was 17 in 2023. That is one for every 1,882 households, against one for every 4,897 across the U.S. Population estimates show James City County grew 6.2% from 2020 to 2025, faster than the U.S. (+3.1%).
How James City County 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 | James City County | Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 7.8 | 4.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 58 | 104 | 100 |
| Households per official establishment | 1,882 | 3,955 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +24.1% | +9.5% |
| Population growth, 2020–2025 | +6.2% | +2.8% | +3.1% |
| Spending per household on rent and homeowner costs | $17,609 | $16,844 | $16,661 |
| Median household income | $109,985 | $93,170 | $80,734 |
| Groundwork market score | 34 | 45 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 9 → 17
- Employees, 2023
- 30
- Annual payroll, 2023
- $3.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 256 chain locations
- Listings at the U.S. rate for this spending
- 14The 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 James City 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 James City County
- Population, 2025 estimate
- 83,326+6.2% since 2020
- Households
- 31,990
- Median age
- 48.1
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.0
- Land area
- 142 sq. mi.
- People per square mile
- 569
- Median household income
- $109,985+25.4% vs. 2015–2019, before inflation
- Average household income
- $135,336
- Median home value
- $447,200
- Jobs located here
- 27,780
- Daytime population
- 77,881Residents who don’t work, plus everyone whose job is here
Looking at a specific site in James City 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 James City 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 Virginia
Every Virginia market ranked →The highest-scoring counties in Virginia for mortgage brokers and lenders, numbered among those based in Virginia, with James City County marked.
Top counties in Virginia
| 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 |
| 26James City County, VA | 34 | 25 | 7.8 | 58 | +6.2% | #733 of 887 |
Other business types in James City 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 estate38
- Real estate agents and brokers40
- Property management63
- Mortgage brokers and lenders34
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in James City County, VA?
Map listings as of September 2026 show 25 mortgage brokers and lenders in James City County. 6 of them (24%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 17 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in James City County, VA spend on rent and homeowner costs?
About $563.3M a year, or $17,609 per household. That is 6% above the U.S. average (an index of 106, where 100 is the U.S. average). For the 25 mortgage brokers and lenders on map listings, housing spending per office is 42% 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 31,990 households in James City County and national spending patterns by income.
How does James City County, VA compare with the U.S. for mortgage brokers and lenders?
James City County has 7.8 mortgage brokers and lenders per 10,000 households, 81% above the U.S. rate of 4.3. The index of housing spending per office is 58, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, James City County would have about 14, against 25 on map listings. There is one business with payroll in the industry for every 1,882 households, against one for every 4,897 across the U.S.
How fast is James City County, VA growing?
Population estimates put James City County at 83,326 people in 2025, up 6.2% since 2020, faster than the U.S. (+3.1%). It has 31,990 households. Median household income in James City County is $109,985, 36% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.4%, 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. James City County scores 34 for mortgage brokers and lenders (lower middle), #733 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in James City 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 James City County
Screening a site or an acquisition in James City 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 James City 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.