Real estate · County · Virginia
Mortgage brokers and lenders in Spotsylvania County, VA
Competitor counts, household spending and official business counts for mortgage brokers and lenders in Spotsylvania County, VA, set against other counties and the U.S.
Groundwork market score · out of 100
Score 79 out of 100: High
Ranked #40 of 887 scored counties
#2 of 37 scored counties in Virginia
- Listings
- 13
- 4 chain locations (31%)
- Official establishments
- 7
- Businesses with payroll, 2023
- Household spending a year
- $928.3M
- On rent and homeowner costs · $17,689 a household
- Housing spending per listing (U.S. = 100)
- 183
- 83% above the U.S.
- Listings per 10k households
- 2.5
- 42% below the U.S.
- Population, 2025
- 155,388
- +10.5% since 2020
See the mortgage brokers and lenders around any address in Spotsylvania 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 Spotsylvania 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
Spotsylvania County scores 79 (high) on the Groundwork market score for mortgage brokers and lenders, ranking #40 of 887 scored counties and #2 of 37 scored counties in Virginia. That puts it in the top 10% of counties for mortgage brokers and lenders.
As of September 2026, map listings count 13 mortgage brokers and lenders in Spotsylvania County. Chain locations make up 31% of them, against 21% across the U.S. Per 10,000 households, that is 2.5, 42% below the U.S. rate of 4.3.
Households in Spotsylvania County spend about $928.3M a year on rent and homeowner costs, or $17,689 per household, 6% above the U.S. average. Housing spending per office is 83% 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.
In 2023, official counts showed 7 businesses with payroll in Spotsylvania County classed as mortgage brokers and real estate lenders. That is one for every 7,497 households, against one for every 4,897 across the U.S. Population estimates put the population change in Spotsylvania County from 2020 to 2025 at +10.5%, faster than the U.S. (+3.1%).
How Spotsylvania 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 | Spotsylvania County | Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 2.5 | 4.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 183 | 104 | 100 |
| Households per official establishment | 7,497 | 3,955 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +24.1% | +9.5% |
| Population growth, 2020–2025 | +10.5% | +2.8% | +3.1% |
| Spending per household on rent and homeowner costs | $17,689 | $16,844 | $16,661 |
| Median household income | $112,738 | $93,170 | $80,734 |
| Groundwork market score | 79 | 45 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 7 → 7
- Employees, 2023
- 20
- Annual payroll, 2023
- $1.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 134 chain locations
- Listings at the U.S. rate for this spending
- 24The 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 Spotsylvania 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 Spotsylvania County
- Population, 2025 estimate
- 155,388+10.5% since 2020
- Households
- 52,481
- Median age
- 39.2
- Homes lived in by their owners
- 80%
- Vehicles per household
- 2.3
- Land area
- 402 sq. mi.
- People per square mile
- 365
- Median household income
- $112,738+27.2% vs. 2015–2019, before inflation
- Average household income
- $133,558
- Median home value
- $404,900
- Jobs located here
- 40,183
- Daytime population
- 124,545Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Spotsylvania 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 Spotsylvania 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 Spotsylvania 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 |
Other business types in Spotsylvania 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 estate49
- Real estate agents and brokers47
- Property management70
- Mortgage brokers and lenders79
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in Spotsylvania County, VA?
Spotsylvania County has 13 mortgage brokers and lenders on map listings as of September 2026. 4 of them (31%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 7 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in Spotsylvania County, VA spend on rent and homeowner costs?
About $928.3M a year, or $17,689 per household. That is 6% above the U.S. average (an index of 106, where 100 is the U.S. average). For the 13 mortgage brokers and lenders on map listings, housing spending per office is 83% 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. It is estimated from the incomes of the 52,481 households in Spotsylvania County and national spending patterns by income.
How does Spotsylvania County, VA compare with the U.S. for mortgage brokers and lenders?
Spotsylvania County has 2.5 mortgage brokers and lenders per 10,000 households, 42% below the U.S. rate of 4.3. The index of housing spending per office is 183, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Spotsylvania County would have about 24, against 13 on map listings. There is one business with payroll in the industry for every 7,497 households, against one for every 4,897 across the U.S.
How fast is Spotsylvania County, VA growing?
Population estimates put Spotsylvania County at 155,388 people in 2025, up 10.5% since 2020, faster than the U.S. (+3.1%). It has 52,481 households. The median household income in Spotsylvania County is $112,738 a year, 40% above the U.S. median of $80,734. That rose 27.2% from the 2015–2019 survey, 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. Spotsylvania County scores 79 for mortgage brokers and lenders (high), #40 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Spotsylvania 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 Spotsylvania County
Screening a site or an acquisition in Spotsylvania 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 Spotsylvania 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.