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Directory of mortgage brokers in Richmond, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Richmond, KY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Kentucky before hiring.
Showing 15 mortgage brokers in Richmond, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Chelsea Estes, Mortgage Lender with Stock Yards Bank & Trust
1001 Gibson Bay Dr # 101, Richmond, KY 40475
8599728752
Sarah Bird-U.S. Bank Mortgage
200 E Main St, Richmond, KY 40475
8596551440
Mortgage brokers in Richmond Kentucky help homebuyers and homeowners find suitable loan products from multiple lenders. Kentucky law requires mortgage brokers to be licensed through the Kentucky Department of Financial Institutions. Local brokers understand the Richmond real estate market and can guide you through Kentucky-specific programs like the Kentucky Housing Corporation first-time homebuyer loans.
What Does a Mortgage Broker in Richmond Cost?
Mortgage broker fees in Kentucky typically range from 1% to 2% of the loan amount. Some brokers charge a flat fee between $1,000 and $3,000. You may also pay an origination fee of 0.5% to 1% of the loan. Costs vary based on loan type and lender. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a mortgage broker do in Richmond Kentucky?
A mortgage broker acts as an intermediary between you and multiple lenders to find a home loan that fits your needs. They handle paperwork and compare rates from different banks and credit unions. Brokers are licensed and regulated by the Kentucky Department of Financial Institutions.
How do I choose a mortgage broker in Richmond?
Look for a broker with a valid Kentucky mortgage broker license. Check their experience with local lenders and ask about fees upfront. You can verify a brokers license through the Nationwide Multistate Licensing System.
Are there Kentucky-specific loan programs available through a broker?
Yes, brokers can help you apply for Kentucky Housing Corporation loans which offer down payment assistance for eligible buyers. Kentucky also has a Military Homeownership Program for veterans. Your broker can explain eligibility requirements for these state programs.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Kentucky.