Groundwork

Market rankings · Kentucky

Mortgage brokers and lenders in Kentucky

Markets across Kentucky ranked by the Groundwork market score for mortgage brokers and lenders, with competitor counts and household spending for each.

Listings
565
156 chain locations (28%)
Official establishments
254
+13.4% since 2019
Household spending a year
$25.9B
On rent and homeowner costs
Listings per 10k households
3.1
28% below the U.S.
Housing spending per listing (U.S. = 100)
118
18% above the U.S.
Rank among states
#20 of 51
Market score 53 · Upper middle

A site report maps the mortgage brokers and lenders on map listings around any address in Kentucky by name and distance, and the spending within reach.

Free10 actions over 3 days, no card

Survey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure

What this means

As of September 2026, map listings count 565 mortgage brokers and lenders in Kentucky. Chain locations make up 28% of them, against 21% across the U.S. That comes to 3.1 for every 10,000 households, 28% below the U.S. rate of 4.3.

Households in Kentucky spend about $25.9B a year on rent and homeowner costs, or $14,283 per household, 14% below the U.S. average. Housing spending per office is 18% 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.

The official count of businesses with payroll classed as mortgage brokers and real estate lenders in Kentucky was 254 in 2023, up 13.4% from 2019. That is one for every 7,144 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, 1 SBA-backed loan worth $150K has gone to businesses classed as mortgage brokers and real estate lenders in Kentucky.

Among the 50 states and DC, Kentucky ranks #20 for mortgage brokers and lenders, with a Groundwork market score of 53 (upper middle). Of the 9 scored metro areas in or partly in Kentucky, the Elizabethtown metro area scores highest (60). Of the 5 scored small-town markets in or partly in Kentucky, the Richmond-Berea area scores highest (68).

Every market in Kentucky for mortgage brokers and lenders

Download the ranking (CSV)

Numbered by Groundwork market score among the markets based in Kentucky, 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

Metro areas reaching Kentucky, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Elizabethtown, KY60122.4157+2.4%#96 of 373
2Bowling Green, KY57233.1115+9.5%#125 of 373
Huntington-Ashland, WV-KY-OH48422.8128−2.6%#198 of 373
Clarksville, TN-KY48524.289+8.5%#201 of 373
Cincinnati, OH-KY-IN473243.6106+2.7%#207 of 373
3Lexington-Fayette, KY41904.293+3.4%#254 of 373
4Owensboro, KY37255.567+1.3%#301 of 373
5Paducah, KY-IL35133.1116−1.2%#313 of 373
6Louisville/Jefferson County, KY-IN342714.979+2.9%#326 of 373

Small-town markets

Small-town markets reaching Kentucky, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Richmond-Berea, KY68153.0117+7.0%#25 of 177
2Corbin, KY6571.2261+0.1%#32 of 177
3Frankfort, KY59113.4109+3.1%#56 of 177
4Pikeville, KY4361.5208−5.4%#116 of 177
5Murray, KY32106.652+4.9%#150 of 177
Somerset, KYNot scored41.5221+3.5%
Henderson, KYNot scored10.4819−0.9%
Danville, KYNot scored20.9376+3.6%
Glasgow, KYNot scored41.8186+2.6%
Mount Sterling, KYNot scored00.0n/a+3.1%
Madisonville, KYNot scored31.6209−0.5%
Campbellsville, KYNot scored32.0167+3.4%
Mayfield, KYNot scored10.7482+1.4%
Middlesborough, KYNot scored22.0147−4.8%
Franklin, KYNot scored22.5142+5.9%

Counties

Counties in Kentucky, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Oldham County, KY7952.2220+4.9%#36 of 887
2Scott County, KY7752.2185+8.2%#52 of 887
3Hardin County, KY64122.7139+2.4%#190 of 887
4Shelby County, KY6063.2123+6.2%#251 of 887
5Campbell County, KY59112.8143+2.5%#265 of 887
6Bullitt County, KY57113.5114+5.0%#301 of 887
7Boone County, KY57214.1105+6.5%#303 of 887
8Madison County, KY55154.090+9.4%#338 of 887
9Warren County, KY52213.897+10.6%#401 of 887
10Laurel County, KY5162.5137+1.6%#415 of 887
11Franklin County, KY42104.484+2.0%#588 of 887
12Kenton County, KY41294.394+3.9%#605 of 887
13Boyd County, KY3963.1113−0.9%#631 of 887
14Daviess County, KY38256.061+1.5%#666 of 887
15Pike County, KY3652.1156−6.4%#687 of 887
16Calloway County, KY28106.652+4.9%#816 of 887
17Fayette County, KY27805.768+2.2%#821 of 887
18McCracken County, KY25134.778−0.5%#836 of 887
19Jefferson County, KY252036.162+1.6%#839 of 887
20Christian County, KY17103.987−3.6%#871 of 887
21Harlan County, KY754.767−7.6%#886 of 887
Pulaski County, KYNot scored41.5221+3.5%
Jessamine County, KYNot scored21.0387+7.8%
Nelson County, KYNot scored21.0355+4.8%
Hopkins County, KYNot scored31.6209−0.5%
Show all 120 counties
Counties in Kentucky, ranked for mortgage brokers and lenders by Groundwork market score, continued
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
Barren County, KYNot scored42.2153+2.6%
Henderson County, KYNot scored10.5650−0.9%
Clark County, KYNot scored32.0182+2.3%
Whitley County, KYNot scored10.7434+1.6%
Graves County, KYNot scored10.7482+1.4%
Greenup County, KYNot scored00.0n/a−1.9%
Floyd County, KYNot scored10.7467−3.9%
Marshall County, KYNot scored10.8484−0.1%
Boyle County, KYNot scored10.8424+2.9%
Muhlenberg County, KYNot scored00.0n/a−0.9%
Meade County, KYNot scored00.0n/a+2.2%
Knox County, KYNot scored00.0n/a−2.2%
Montgomery County, KYNot scored00.0n/a+2.5%
Logan County, KYNot scored00.0n/a+4.2%
Perry County, KYNot scored00.0n/a−6.4%
Woodford County, KYNot scored00.0n/a+3.7%
Grayson County, KYNot scored11.0345+3.6%
Taylor County, KYNot scored32.9118+2.9%
Carter County, KYNot scored10.9363−1.7%
Grant County, KYNot scored00.0n/a+4.7%
Rowan County, KYNot scored11.0325−1.0%
Lincoln County, KYNot scored11.0328+4.6%
Anderson County, KYNot scored11.0364+5.5%
Ohio County, KYNot scored00.0n/a+0.8%
Bell County, KYNot scored22.0147−4.8%
Mercer County, KYNot scored00.0n/a+4.8%
Johnson County, KYNot scored11.1288−2.6%
Allen County, KYNot scored11.2279+9.5%
Breckinridge County, KYNot scored00.0n/a+5.2%
Letcher County, KYNot scored00.0n/a−7.0%
Bourbon County, KYNot scored00.0n/a−0.3%
Spencer County, KYNot scored11.4310+7.7%
Simpson County, KYNot scored22.5142+5.9%
Clay County, KYNot scored00.0n/a−4.1%
Marion County, KYNot scored33.989+2.7%
Hart County, KYNot scored00.0n/a+4.3%
Wayne County, KYNot scored00.0n/a+0.3%
Harrison County, KYNot scored00.0n/a+4.9%
Adair County, KYNot scored22.8119+2.9%
Russell County, KYNot scored00.0n/a+3.4%
Garrard County, KYNot scored11.5235+7.3%
Mason County, KYNot scored11.4241−1.2%
McCreary County, KYNot scored00.0n/a+1.7%
Rockcastle County, KYNot scored00.0n/a+0.6%
Lawrence County, KYNot scored00.0n/a−3.3%
Casey County, KYNot scored00.0n/a+1.8%
Henry County, KYNot scored11.6219+4.8%
Fleming County, KYNot scored00.0n/a+4.6%
Larue County, KYNot scored00.0n/a+2.1%
Pendleton County, KYNot scored00.0n/a+1.1%
Trigg County, KYNot scored23.3106+3.1%
Morgan County, KYNot scored00.0n/a+5.0%
Estill County, KYNot scored00.0n/a−1.4%
Knott County, KYNot scored00.0n/a−5.9%
Breathitt County, KYNot scored11.8164−8.3%
Union County, KYNot scored00.0n/a−5.9%
Jackson County, KYNot scored00.0n/a+2.8%
Powell County, KYNot scored00.0n/a−2.2%
Lewis County, KYNot scored00.0n/a−1.4%
Bath County, KYNot scored00.0n/a+3.6%
Webster County, KYNot scored00.0n/a−0.7%
Caldwell County, KYNot scored12.0174−0.3%
Todd County, KYNot scored00.0n/a+5.6%
Butler County, KYNot scored12.2155+1.6%
Edmonson County, KYNot scored00.0n/a+5.0%
Washington County, KYNot scored00.0n/a+2.7%
Green County, KYNot scored00.0n/a+4.6%
Magoffin County, KYNot scored00.0n/a−4.3%
Owen County, KYNot scored00.0n/a+2.6%
Monroe County, KYNot scored00.0n/a−1.1%
Martin County, KYNot scored00.0n/a−4.9%
Carroll County, KYNot scored12.4147+2.9%
Metcalfe County, KYNot scored00.0n/a+2.9%
Leslie County, KYNot scored00.0n/a−8.0%
Clinton County, KYNot scored00.0n/a−1.0%
McLean County, KYNot scored00.0n/a−0.8%
Hancock County, KYNot scored00.0n/a−0.6%
Crittenden County, KYNot scored12.8117−2.2%
Livingston County, KYNot scored00.0n/a−0.1%
Lyon County, KYNot scored00.0n/a+5.2%
Gallatin County, KYNot scored00.0n/a+1.9%
Trimble County, KYNot scored00.0n/a+2.8%
Bracken County, KYNot scored13.0125+1.3%
Nicholas County, KYNot scored00.0n/a+5.4%
Ballard County, KYNot scored00.0n/a−1.5%
Lee County, KYNot scored00.0n/a−0.9%
Elliott County, KYNot scored00.0n/a−0.9%
Wolfe County, KYNot scored00.0n/a−4.0%
Fulton County, KYNot scored00.0n/a−4.5%
Menifee County, KYNot scored00.0n/a+4.8%
Cumberland County, KYNot scored13.880+2.3%
Carlisle County, KYNot scored00.0n/a−1.2%
Hickman County, KYNot scored00.0n/a−3.4%
Owsley County, KYNot scored00.0n/a−2.5%
Robertson County, KYNot scored00.0n/a+6.6%

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 Kentucky?

Kentucky has 565 mortgage brokers and lenders on map listings as of September 2026. 156 of them (28%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 254 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 13.4% from 2019.

How much do households in Kentucky spend on rent and homeowner costs?

About $25.9B a year, or $14,283 per household. That is 14% below the U.S. average (an index of 86, where 100 is the U.S. average). For the 565 mortgage brokers and lenders on map listings, housing spending per office is 18% 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 1,814,469 households in Kentucky and national spending patterns by income.

How does Kentucky compare with the U.S. for mortgage brokers and lenders?

Kentucky has 3.1 mortgage brokers and lenders per 10,000 households, 28% below the U.S. rate of 4.3. The index of housing spending per office is 118, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Kentucky would have about 664, against 565 on map listings. There is one business with payroll in the industry for every 7,144 households, against one for every 4,897 across the U.S. The official count rose 13.4% from 2019 to 2023, against +9.5% for the U.S.

Which market in Kentucky has the highest market score for mortgage brokers and lenders?

Among 9 scored metro areas in or partly in Kentucky, the Elizabethtown metro area scores highest, at 60 (upper middle). Among 5 scored small-town markets in or partly in Kentucky, the Richmond-Berea area scores highest, at 68 (upper middle). Among 21 scored counties in Kentucky, Oldham County scores highest, at 79 (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. Kentucky scores 53 for mortgage brokers and lenders (upper middle), #20 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 Kentucky. 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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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.