Real estate · Small-town market · Kentucky
Mortgage brokers and lenders in the Richmond-Berea, KY area
The mortgage brokers and lenders in the Richmond-Berea, KY area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 68 out of 100: Upper middle
Ranked #25 of 177 scored small-town markets
#1 of 5 scored small-town markets based in Kentucky
- Listings
- 15
- 8 chain locations (53%)
- Official establishments
- 4
- Businesses with payroll, 2023
- Household spending a year
- $687M
- On rent and homeowner costs · $13,862 a household
- Housing spending per listing (U.S. = 100)
- 117
- 17% above the U.S.
- Listings per 10k households
- 3.0
- 30% below the U.S.
- Population, 2025
- 131,806
- +7.0% since 2020
See the mortgage brokers and lenders around any address in the Richmond-Berea 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 Richmond-Berea 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
As of September 2026, map listings count 15 mortgage brokers and lenders in the Richmond-Berea area. 8 of them (53%) are chain locations, against 21% across the U.S. That comes to 3.0 for every 10,000 households, 30% below the U.S. rate of 4.3.
Household spending on rent and homeowner costs in the Richmond-Berea area comes to about $687M a year: $13,862 per household, 17% below the U.S. average. Housing spending per office is 17% 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 the Richmond-Berea area was 4 in 2023. That is one for every 12,390 households, against one for every 4,897 across the U.S.
Population estimates show the Richmond-Berea area grew 7.0% from 2020 to 2025, faster than the U.S. (+3.1%). The Groundwork market score for mortgage brokers and lenders in the Richmond-Berea area is 68 (upper middle), #25 of 177 scored small-town markets and #1 of 5 scored small-town markets based in Kentucky. That puts it in the top quarter of small-town markets.
How the Richmond-Berea area 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 | Richmond-Berea area | Kentucky | U.S. |
|---|---|---|---|
| Listings per 10k households | 3.0 | 3.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 117 | 118 | 100 |
| Households per official establishment | 12,390 | 7,144 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +13.4% | +9.5% |
| Population growth, 2020–2025 | +7.0% | +2.2% | +3.1% |
| Spending per household on rent and homeowner costs | $13,862 | $14,283 | $16,661 |
| Median household income | $60,368 | $63,726 | $80,734 |
| Groundwork market score | 68 | 53 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 4
- Employees, 2023
- 97
- Annual payroll, 2023
- $3.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 158 chain locations
- Listings at the U.S. rate for this spending
- 18The 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 Richmond-Berea 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 Richmond-Berea area
- Population, 2025 estimate
- 131,806+7.0% since 2020
- Households
- 49,560
- Median age
- 38.3
- Homes lived in by their owners
- 65%
- Vehicles per household
- 1.9
- Land area
- 1,008 sq. mi.
- People per square mile
- 125
- Median household income
- $60,368
- Average household income
- $78,113
- Median home value
- $201,500
- Jobs located here
- 41,726
- Daytime population
- 114,674Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Richmond-Berea 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 Richmond-Berea 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 Kentucky
Every Kentucky market ranked →The highest-scoring small-town markets in Kentucky for mortgage brokers and lenders, numbered among those based in Kentucky, with the Richmond-Berea area marked.
Top small-town markets in Kentucky
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Richmond-Berea, KY | 68 | 15 | 3.0 | 117 | +7.0% | #25 of 177 |
| 2Corbin, KY | 65 | 7 | 1.2 | 261 | +0.1% | #32 of 177 |
| 3Frankfort, KY | 59 | 11 | 3.4 | 109 | +3.1% | #56 of 177 |
| 4Pikeville, KY | 43 | 6 | 1.5 | 208 | −5.4% | #116 of 177 |
| 5Murray, KY | 32 | 10 | 6.6 | 52 | +4.9% | #150 of 177 |
Other business types in the Richmond-Berea 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 estate46
- Real estate agents and brokers45
- Property management79
- Mortgage brokers and lenders68
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Richmond-Berea, KY area?
The Richmond-Berea area has 15 mortgage brokers and lenders on map listings as of September 2026. 8 of them (53%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 4 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Richmond-Berea, KY area spend on rent and homeowner costs?
About $687M a year, or $13,862 per household. That is 17% below the U.S. average (an index of 83, where 100 is the U.S. average). For the 15 mortgage brokers and lenders on map listings, housing spending per office is 17% 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 49,560 households in the Richmond-Berea area and national spending patterns by income.
How does the Richmond-Berea, KY area compare with the U.S. for mortgage brokers and lenders?
The Richmond-Berea area has 3.0 mortgage brokers and lenders per 10,000 households, 30% below the U.S. rate of 4.3. The index of housing spending per office is 117, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Richmond-Berea area would have about 18, against 15 on map listings. There is one business with payroll in the industry for every 12,390 households, against one for every 4,897 across the U.S.
How fast is the Richmond-Berea, KY area growing?
Population estimates put the Richmond-Berea area at 131,806 people in 2025, up 7.0% since 2020, faster than the U.S. (+3.1%). It has 49,560 households. The median household income in the Richmond-Berea area is $60,368 a year, 25% below the U.S. median of $80,734.
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 Richmond-Berea area scores 68 for mortgage brokers and lenders (upper middle), #25 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 Richmond-Berea 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 Richmond-Berea area
Screening a site or an acquisition in the Richmond-Berea 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 Richmond-Berea 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.