Real estate · Small-town market · Washington
Mortgage brokers and lenders in the Oak Harbor, WA area
Competitor counts, household spending and official business counts for mortgage brokers and lenders in the Oak Harbor, WA area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 60 out of 100: Upper middle
Ranked #47 of 177 scored small-town markets
#4 of 7 scored small-town markets based in Washington
- Listings
- 13
- 4 chain locations (31%)
- Official establishments
- 5
- Businesses with payroll, 2023
- Household spending a year
- $670.9M
- On rent and homeowner costs · $18,650 a household
- Housing spending per listing (U.S. = 100)
- 132
- 32% above the U.S.
- Listings per 10k households
- 3.6
- 16% below the U.S.
- Population, 2025
- 85,657
- −1.5% since 2020
See the mortgage brokers and lenders around any address in the Oak Harbor 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 Oak Harbor 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
At $18,650 per household (12% above the U.S. average), households in the Oak Harbor area spend about $670.9M a year on rent and homeowner costs. Housing spending per office is 32% 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.
There are 13 mortgage brokers and lenders on map listings in the Oak Harbor area as of September 2026. Of those, 4 are chain locations, or 31%, against 21% across the U.S. That comes to 3.6 for every 10,000 households, 16% below the U.S. rate of 4.3.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Oak Harbor area was 5 in 2023. That is one for every 7,194 households, against one for every 4,897 across the U.S.
Between 2020 and 2025, the population of the Oak Harbor area declined 1.5%, against +3.1% for the U.S. The Oak Harbor area scores 60 (upper middle) on the Groundwork market score for mortgage brokers and lenders, ranking #47 of 177 scored small-town markets and #4 of 7 scored small-town markets based in Washington.
How the Oak Harbor area compares
The same measures for Washington 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 | Oak Harbor area | Washington | U.S. |
|---|---|---|---|
| Listings per 10k households | 3.6 | 6.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 132 | 83 | 100 |
| Households per official establishment | 7,194 | 3,841 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +2.3% | +9.5% |
| Population growth, 2020–2025 | −1.5% | +3.6% | +3.1% |
| Spending per household on rent and homeowner costs | $18,650 | $19,779 | $16,661 |
| Median household income | $90,551 | $98,141 | $80,734 |
| Groundwork market score | 60 | 43 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 5
- Employees, 2023
- 7
- Annual payroll, 2023
- $1.1M
- 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
- 17The 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 Oak Harbor 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 Oak Harbor area
- Population, 2025 estimate
- 85,657−1.5% since 2020
- Households
- 35,972
- Median age
- 46.9
- Homes lived in by their owners
- 75%
- Vehicles per household
- 2.1
- Land area
- 209 sq. mi.
- People per square mile
- 416
- Median household income
- $90,551+32.0% vs. 2015–2019, before inflation
- Average household income
- $113,035
- Median home value
- $593,300
- Jobs located here
- 16,025
- Daytime population
- 70,254Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Oak Harbor area?
These figures cover the whole small-town market. 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 Oak Harbor 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 Washington
Every Washington market ranked →The highest-scoring small-town markets in Washington for mortgage brokers and lenders, numbered among those based in Washington, with the Oak Harbor area marked.
Top small-town markets in Washington
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Centralia, WA | 88 | 7 | 2.1 | 207 | +6.7% | #4 of 177 |
| 2Shelton, WA | 81 | 8 | 3.1 | 150 | +7.8% | #7 of 177 |
| 3Moses Lake, WA | 78 | 9 | 2.5 | 172 | +6.3% | #9 of 177 |
| 4Oak Harbor, WA | 60 | 13 | 3.6 | 132 | −1.5% | #47 of 177 |
| 5Pullman, WA | 59 | 6 | 3.2 | 129 | +1.5% | #54 of 177 |
| 6Port Angeles, WA | 59 | 12 | 3.4 | 128 | +1.1% | #55 of 177 |
| 7Ellensburg, WA | 44 | 11 | 5.5 | 83 | +4.2% | #115 of 177 |
Other business types in the Oak Harbor 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 estate33
- Real estate agents and brokers35
- Property management49
- Mortgage brokers and lenders60
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Oak Harbor, WA area?
As of September 2026, map listings count 13 mortgage brokers and lenders in the Oak Harbor area. 4 of them (31%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 5 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Oak Harbor, WA area spend on rent and homeowner costs?
About $670.9M a year, or $18,650 per household. That is 12% above the U.S. average (an index of 112, where 100 is the U.S. average). For the 13 mortgage brokers and lenders on map listings, housing spending per office is 32% 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 35,972 households in the Oak Harbor area and national spending patterns by income.
How does the Oak Harbor, WA area compare with the U.S. for mortgage brokers and lenders?
The Oak Harbor area has 3.6 mortgage brokers and lenders per 10,000 households, 16% below the U.S. rate of 4.3. The index of housing spending per office is 132, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, the Oak Harbor area would have about 17, against 13 on map listings. There is one business with payroll in the industry for every 7,194 households, against one for every 4,897 across the U.S.
How fast is the Oak Harbor, WA area growing?
Population estimates put the Oak Harbor area at 85,657 people in 2025, down 1.5% since 2020, against +3.1% for the U.S. It has 35,972 households. Median household income in the Oak Harbor area is $90,551, 12% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 32.0%, 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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 Oak Harbor area scores 60 for mortgage brokers and lenders (upper middle), #47 of 177 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Oak Harbor 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 Oak Harbor area
Screening a site or an acquisition in the Oak Harbor 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 Oak Harbor 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.