Real estate · County · Kentucky
Mortgage brokers and lenders in Harlan County, KY
Competitor counts, household spending and official business counts for mortgage brokers and lenders in Harlan County, KY, set against other counties and the U.S.
Groundwork market score · out of 100
Score 7 out of 100: Very low
Ranked #886 of 887 scored counties
#21 of 21 scored counties in Kentucky
- Listings
- 5
- 4 chain locations (80%)
- Official establishments
- n/a
- Fewer than 3, or not published
- Household spending a year
- $130.6M
- On rent and homeowner costs · $12,172 a household
- Housing spending per listing (U.S. = 100)
- 67
- 33% below the U.S.
- Listings per 10k households
- 4.7
- 9% above the U.S.
- Population, 2025
- 24,725
- −7.6% since 2020
See the mortgage brokers and lenders around any address in Harlan 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 Harlan 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
Harlan County scores 7 (very low) on the Groundwork market score for mortgage brokers and lenders, ranking #886 of 887 scored counties and #21 of 21 scored counties in Kentucky. That puts it in the bottom quarter of counties.
Map listings as of September 2026 show 5 mortgage brokers and lenders in Harlan County. Chain locations make up 80% of them, against 21% across the U.S. Per 10,000 households, that is 4.7, 9% above the U.S. rate of 4.3.
Household spending on rent and homeowner costs in Harlan County comes to about $130.6M a year: $12,172 per household, 27% below the U.S. average. Housing spending per office is 33% 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.
There is no official count of businesses with payroll classed as mortgage brokers and real estate lenders in Harlan County: counts under 3 aren’t published. Population estimates put the population change in Harlan County from 2020 to 2025 at −7.6%, against +3.1% for the U.S.
How Harlan County compares
The same measures for Kentucky 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 | Harlan County | Kentucky | U.S. |
|---|---|---|---|
| Listings per 10k households | 4.7 | 3.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 67 | 118 | 100 |
| Households per official establishment | n/a | 7,144 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +13.4% | +9.5% |
| Population growth, 2020–2025 | −7.6% | +2.2% | +3.1% |
| Spending per household on rent and homeowner costs | $12,172 | $14,283 | $16,661 |
| Median household income | $41,693 | $63,726 | $80,734 |
| Groundwork market score | 7 | 53 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- n/a
- Employees, 2023
- n/a
- Annual payroll, 2023
- n/a
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 54 chain locations
- Listings at the U.S. rate for this spending
- 3The 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 Harlan 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 Harlan County
- Population, 2025 estimate
- 24,725−7.6% since 2020
- Households
- 10,731
- Median age
- 40.9
- Homes lived in by their owners
- 72%
- Vehicles per household
- 1.8
- Land area
- 466 sq. mi.
- People per square mile
- 55
- Median household income
- $41,693+57.5% vs. 2015–2019, before inflation
- Average household income
- $55,003
- Median home value
- $73,700
- Jobs located here
- 5,743
- Daytime population
- 24,360Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Harlan 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 Harlan 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 Kentucky
Every Kentucky market ranked →The highest-scoring counties in Kentucky for mortgage brokers and lenders, numbered among those based in Kentucky, with Harlan County marked.
Top counties in Kentucky
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Oldham County, KY | 79 | 5 | 2.2 | 220 | +4.9% | #36 of 887 |
| 2Scott County, KY | 77 | 5 | 2.2 | 185 | +8.2% | #52 of 887 |
| 3Hardin County, KY | 64 | 12 | 2.7 | 139 | +2.4% | #190 of 887 |
| 4Shelby County, KY | 60 | 6 | 3.2 | 123 | +6.2% | #251 of 887 |
| 5Campbell County, KY | 59 | 11 | 2.8 | 143 | +2.5% | #265 of 887 |
| 6Bullitt County, KY | 57 | 11 | 3.5 | 114 | +5.0% | #301 of 887 |
| 7Boone County, KY | 57 | 21 | 4.1 | 105 | +6.5% | #303 of 887 |
| 8Madison County, KY | 55 | 15 | 4.0 | 90 | +9.4% | #338 of 887 |
| 9Warren County, KY | 52 | 21 | 3.8 | 97 | +10.6% | #401 of 887 |
| 10Laurel County, KY | 51 | 6 | 2.5 | 137 | +1.6% | #415 of 887 |
| 21Harlan County, KY | 7 | 5 | 4.7 | 67 | −7.6% | #886 of 887 |
Other business types in Harlan 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 estate41
- Real estate agents and brokers
- Property management
- Mortgage brokers and lenders7
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in Harlan County, KY?
There are 5 mortgage brokers and lenders on map listings in Harlan County as of September 2026. 4 of them (80%) are chain locations. The listings count mortgage brokers and mortgage lenders. No official count is published for mortgage brokers and real estate lenders in Harlan County: counts under 3 are left out.
How much do households in Harlan County, KY spend on rent and homeowner costs?
About $130.6M a year, or $12,172 per household. That is 27% below the U.S. average (an index of 73, where 100 is the U.S. average). For the 5 mortgage brokers and lenders on map listings, housing spending per office is 33% 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. It is estimated from the incomes of the 10,731 households in Harlan County and national spending patterns by income.
How does Harlan County, KY compare with the U.S. for mortgage brokers and lenders?
Harlan County has 4.7 mortgage brokers and lenders per 10,000 households, 9% above the U.S. rate of 4.3. The index of housing spending per office is 67, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Harlan County would have about 3, against 5 on map listings.
How fast is Harlan County, KY growing?
Population estimates put Harlan County at 24,725 people in 2025, down 7.6% since 2020, against +3.1% for the U.S. It has 10,731 households. The median household income in Harlan County is $41,693 a year, 48% below the U.S. median of $80,734. That rose 57.5% 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. Harlan County scores 7 for mortgage brokers and lenders (very low), #886 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Harlan 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 Harlan County
Screening a site or an acquisition in Harlan 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 Harlan 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.