Frankfort Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Frankfort averaged
7.13%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.29% and
one month ago for the week of 2026-10-01, the
average rate was 7.53%.
Frankfort's average rate one year ago was 6.22%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.08%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Frankfort 30 Year Fixed Rate | 2026-11-05 | 7.13% |
| Frankfort 30 Year Fixed Rate Refi | 2026-11-05 | 7.08% |
| Frankfort 15 Year Fixed Rate | 2026-11-05 | 6.77% |
| Frankfort 15 Year Fixed Rate Refi | 2026-11-05 | 6.57% |
| Frankfort 30 Year FHA | 2026-11-05 | 7.18% |
| Frankfort 30 Year FHA Refi | 2026-11-05 | 7.13% |
| Frankfort 30 Year USDA | 2026-11-05 | 6.8% |
| Frankfort 30 Year USDA Refi | 2026-11-05 | 7% |
| Frankfort 30 Year VA | 2026-11-05 | 7.18% |
| Frankfort 30 Year VA Refi | 2026-11-05 | 6.86% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Frankfort, KY.
Frankfort Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Frankfort, KY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Frankfort Average Closing Costs & Other Stats
Frankfort, KY's 100 lenders originated 2,039
loans during 2025. The total origination value was $412,835,000, with an average loan value of
$202,469.
Frankfort's average closing costs are $4,816.
The top Frankfort lender as defined by loan originations is COMMONWEALTH, with
79 loans originated. Their average total fees are
$2,850, which is $2,477
lower than the next largest lender,
STOCKTON MORTGAGE CORPORATION.
The lowest fee Frankfort lenders (with over 10 loans originated) are
City National Bank of West Virginia ($1,711), Guardian Savings Bank, A Federal Savings Bank ($2,095), Central Bank ($2,698), COMMONWEALTH ($2,850) and JPMorgan Chase Bank ($3,407).
The lowest rate Frankfort lenders (with over 10 loans originated) are
City National Bank of West Virginia (6.17%), COMMONWEALTH (6.18%), Traditional Bank, Inc. (6.42%), Central Bank (6.48%) and Independence Bank of Kentucky (6.48%).
Frankfort, KY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| COMMONWEALTH | $39,490,000 | $42,960,000 | 8.8% | 10.4% |
| STOCKTON MORTGAGE CORPORATION | $23,450,000 | $30,705,000 | 30.9% | 7.4% |
| QUICKEN LOANS, LLC | $21,780,000 | $25,980,000 | 19.3% | 6.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,110,000 | $18,905,000 | 209.4% | 4.6% |
| Traditional Bank, Inc. | $9,390,000 | $13,610,000 | 44.9% | 3.3% |
| Mortgage Research Center, LLC | $8,505,000 | $11,155,000 | 31.2% | 2.7% |
| Community Trust Bank, Inc. | $10,470,000 | $10,510,000 | 0.4% | 2.5% |
| WesBanco | $6,355,000 | $10,030,000 | 57.8% | 2.4% |
| Independence Bank of Kentucky | $9,890,000 | $9,930,000 | 0.4% | 2.4% |
| Fifth Third Bank | $4,495,000 | $8,185,000 | 82.1% | 2.0% |
| City National Bank of West Virginia | $4,095,000 | $8,180,000 | 99.8% | 2.0% |
| Guardian Savings Bank, A Federal Savings Bank | $3,475,000 | $7,985,000 | 129.8% | 1.9% |
| Central Bank | $3,520,000 | $7,680,000 | 118.2% | 1.9% |
| EVANSVILLE TEACHERS | $315,000 | $6,535,000 | 1,974.6% | 1.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $7,890,000 | $6,425,000 | -18.6% | 1.6% |
| T2 FINANCIAL LLC | $1,145,000 | $5,900,000 | 415.3% | 1.4% |
| BROKER SOLUTIONS, INC. | $4,980,000 | $5,820,000 | 16.9% | 1.4% |
| Stock Yards Bank & Trust Company | $2,215,000 | $5,365,000 | 142.2% | 1.3% |
| Republic State Mortgage Co. | $5,845,000 | $5,165,000 | -11.6% | 1.3% |
| DAS Acquisition Company, LLC | $1,925,000 | $5,080,000 | 163.9% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $6,645,000 | $4,505,000 | -32.2% | 1.1% |
| UNIVERSITY OF KENTUCKY | $3,410,000 | $4,020,000 | 17.9% | 1.0% |
| Whitaker Bank | $1,680,000 | $3,940,000 | 134.5% | 1.0% |
| Northpointe Bank | $3,320,000 | $3,920,000 | 18.1% | 0.9% |
| Farm Credit Mid-America, ACA | $2,725,000 | $3,785,000 | 38.9% | 0.9% |
| RUOFF MORTGAGE COMPANY, INC. | $1,455,000 | $3,515,000 | 141.6% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $1,155,000 | $3,390,000 | 193.5% | 0.8% |
| Ixonia Bank | $1,295,000 | $3,315,000 | 156.0% | 0.8% |
| Republic Bank & Trust Company | $11,480,000 | $3,230,000 | -71.9% | 0.8% |
| JPMorgan Chase Bank | $5,005,000 | $3,200,000 | -36.1% | 0.8% |
| Abound Federal Credit Union | $650,000 | $3,185,000 | 390.0% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $3,210,000 | $2,990,000 | -6.9% | 0.7% |
| INSPIRE HOME LOANS INC. | $2,980,000 | n/a | 0.7% | |
| First Financial Bank | $3,185,000 | $2,975,000 | -6.6% | 0.7% |
| NEWREZ LLC | $1,015,000 | $2,825,000 | 178.3% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,370,000 | $2,525,000 | 6.5% | 0.6% |
| Magnolia Bank | $750,000 | $2,510,000 | 234.7% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $840,000 | $2,495,000 | 197.0% | 0.6% |
| USAA Federal Savings Bank | $1,085,000 | $2,330,000 | 114.7% | 0.6% |
| HOMESIDE FINANCIAL, LLC | $1,010,000 | $2,300,000 | 127.7% | 0.6% |
| UNION HOME MORTGAGE CORP. | $2,275,000 | $2,175,000 | -4.4% | 0.5% |
| The Loan Store, Inc. | $2,135,000 | n/a | 0.5% | |
| Century Mortgage Company DBA Century Lending Company | $2,040,000 | $2,115,000 | 3.7% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $675,000 | $2,045,000 | 203.0% | 0.5% |
| PLANET HOME LENDING, LLC | $420,000 | $1,925,000 | 358.3% | 0.5% |
| MORTGAGE INVESTORS GROUP, INC. | $525,000 | $1,805,000 | 243.8% | 0.4% |
| U.S. Bank | $1,890,000 | $1,755,000 | -7.1% | 0.4% |
| SUN WEST MORTGAGE COMPANY, INC. | $75,000 | $1,750,000 | 2,233.3% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $275,000 | $1,685,000 | 512.7% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $775,000 | $1,585,000 | 104.5% | 0.4% |
| PNC Bank | $3,130,000 | $1,500,000 | -52.1% | 0.4% |
| ENDEAVOR CAPITAL, LLC. | $680,000 | $1,495,000 | 119.9% | 0.4% |
| Prosperity Home Mortgage, LLC | $985,000 | $1,460,000 | 48.2% | 0.4% |
| 21ST MORTGAGE CORPORATION | $830,000 | $1,365,000 | 64.5% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $400,000 | $1,365,000 | 241.3% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,120,000 | $1,350,000 | 20.5% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,980,000 | $1,335,000 | -32.6% | 0.3% |
| Bank of Lexington, Inc. | $1,095,000 | $1,250,000 | 14.2% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,800,000 | $1,250,000 | -30.6% | 0.3% |
| LOANDEPOT.COM, LLC | $3,065,000 | $1,240,000 | -59.5% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $540,000 | $1,210,000 | 124.1% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,790,000 | $1,165,000 | -58.2% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,155,000 | n/a | 0.3% | |
| NBKC BANK | $320,000 | $1,150,000 | 259.4% | 0.3% |
| ALLIANT CREDIT UNION | $2,735,000 | $1,030,000 | -62.3% | 0.2% |
| GENEVA FINANCIAL, LLC | $2,220,000 | $1,005,000 | -54.7% | 0.2% |
| Truist | $400,000 | $985,000 | 146.3% | 0.2% |
| NexBank | $905,000 | n/a | 0.2% | |
| The Huntington National Bank | $915,000 | $835,000 | -8.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $215,000 | $805,000 | 274.4% | 0.2% |
| Old National Bank | $665,000 | $800,000 | 20.3% | 0.2% |
| The Federal Savings Bank | $995,000 | $785,000 | -21.1% | 0.2% |
| Cumberland Valley National Bank & Trust Company | $400,000 | $780,000 | 95.0% | 0.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $760,000 | n/a | 0.2% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $745,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $735,000 | $725,000 | -1.4% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $595,000 | $725,000 | 21.8% | 0.2% |
| Logan Finance Corporation | $715,000 | n/a | 0.2% | |
| Peoples Bank | $665,000 | $685,000 | 3.0% | 0.2% |
| AgFirst Farm Credit Bank | $680,000 | n/a | 0.2% | |
| EVERETT FINANCIAL, INC. | $805,000 | $675,000 | -16.1% | 0.2% |
| The Peoples Bank | $455,000 | $655,000 | 44.0% | 0.2% |
| ALAMEDA MORTGAGE CORPORATION | $645,000 | n/a | 0.2% | |
| ENVOY MORTGAGE, LTD | $765,000 | $620,000 | -19.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $340,000 | $600,000 | 76.5% | 0.1% |
| Carrington Mortgage Services, LLC | $920,000 | $595,000 | -35.3% | 0.1% |
| EASTMAN | $595,000 | n/a | 0.1% | |
| NFM, INC. | $115,000 | $590,000 | 413.0% | 0.1% |
| SOUTH CENTRAL BANK, INC. | $620,000 | $590,000 | -4.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $580,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $575,000 | n/a | 0.1% | |
| L & N Federal Credit Union | $280,000 | $565,000 | 101.8% | 0.1% |
| Central Kentucky Agricultural Credit Association | $760,000 | $560,000 | -26.3% | 0.1% |
| POLARIS HOME FUNDING CORP. | $485,000 | $560,000 | 15.5% | 0.1% |
| FAIR WAY LENDING LLC | $550,000 | n/a | 0.1% | |
| German American Bank | $845,000 | $540,000 | -36.1% | 0.1% |
| S1L, Inc. | $535,000 | n/a | 0.1% | |
| MEMBERS HERITAGE Credit Union | $275,000 | $520,000 | 89.1% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $600,000 | $510,000 | -15.0% | 0.1% |
| Centennial Bank | $505,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $505,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $890,000 | $500,000 | -43.8% | 0.1% |
| FBC MORTGAGE, LLC | $495,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $145,000 | $490,000 | 237.9% | 0.1% |
| Quontic Bank | $490,000 | n/a | 0.1% | |
| Bank of America | $375,000 | $485,000 | 29.3% | 0.1% |
| Citizens Bank | $125,000 | $485,000 | 288.0% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $65,000 | $480,000 | 638.5% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $470,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $395,000 | $440,000 | 11.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $255,000 | $425,000 | 66.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $855,000 | $425,000 | -50.3% | 0.1% |
| The Farmers Bank | $1,110,000 | $420,000 | -62.2% | 0.1% |
| EMM LOANS LLC | $405,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $85,000 | $400,000 | 370.6% | 0.1% |
| UNIVERSITY Federal Credit Union | $385,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $1,740,000 | $375,000 | -78.4% | 0.1% |
| Equity Prime Mortgage LLC | $370,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $845,000 | $370,000 | -56.2% | 0.1% |
| Renasant Bank | $370,000 | n/a | 0.1% | |
| The Dart Bank | $370,000 | n/a | 0.1% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $360,000 | n/a | 0.1% | |
| Peoples Exchange Bank | $1,445,000 | $355,000 | -75.4% | 0.1% |
| SPRING EQ, LLC | $350,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $345,000 | n/a | 0.1% | |
| OCMBC, INC. | $330,000 | $340,000 | 3.0% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $680,000 | $340,000 | -50.0% | 0.1% |
| INTERNATIONAL CITY MORTGAGE, INC. | $330,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $305,000 | $310,000 | 1.6% | 0.1% |
| Cornerstone First Mortgage, Inc | $305,000 | n/a | 0.1% | |
| First Harrison Bank | $295,000 | n/a | 0.1% | |
| MEMBERS CHOICE | $285,000 | n/a | 0.1% | |
| GoPrime Mortgage, Inc. | $480,000 | $275,000 | -42.7% | 0.1% |
| LENDSURE MORTGAGE CORP. | $275,000 | n/a | 0.1% | |
| Wilson Bank And Trust | $265,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $255,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $115,000 | $245,000 | 113.0% | 0.1% |
| Wells Fargo Bank | $185,000 | $245,000 | 32.4% | 0.1% |
| Coastal Community Bank | $160,000 | $240,000 | 50.0% | 0.1% |
| Figure Lending LLC | $240,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $1,780,000 | $235,000 | -86.8% | 0.1% |
| CMG MORTGAGE, INC. | $225,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $145,000 | $225,000 | 55.2% | 0.1% |
| PIKE CREEK MORTGAGE SERVICES, INC. | $225,000 | n/a | 0.1% | |
| Plains Commerce Bank | $530,000 | $225,000 | -57.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,180,000 | $225,000 | -80.9% | 0.1% |
| Gateway First Bank | $220,000 | n/a | 0.1% | |
| DIGITAL Federal Credit Union | $205,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $205,000 | n/a | 0.0% | |
| FIELD & MAIN BANK, INC. | $620,000 | $205,000 | -66.9% | 0.0% |
| First Guaranty Bank | $205,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $205,000 | n/a | 0.0% | |
| PUBLIX EMPLOYEES | $205,000 | n/a | 0.0% | |
| Centra Credit Union | $195,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $245,000 | $185,000 | -24.5% | 0.0% |
| First International Bank & Trust | $185,000 | n/a | 0.0% | |
| ALL IN | $175,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $175,000 | n/a | 0.0% | |
| Discover Bank | $445,000 | $170,000 | -61.8% | 0.0% |
| FirstBank | $165,000 | n/a | 0.0% | |
| Nations Lending Corporation | $165,000 | n/a | 0.0% | |
| The Citizens National Bank of Somerset | $225,000 | $165,000 | -26.7% | 0.0% |
| TOWNE MORTGAGE COMPANY | $450,000 | $155,000 | -65.6% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $145,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| Leader Bank | $125,000 | n/a | 0.0% | |
| The Monticello Banking Company | $125,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $125,000 | n/a | 0.0% | |
| PARK COMMUNITY CREDIT UNION, INC. | $45,000 | $120,000 | 166.7% | 0.0% |
| BAY EQUITY LLC | $125,000 | $115,000 | -8.0% | 0.0% |
| Fortera Federal Credit Union | $120,000 | $115,000 | -4.2% | 0.0% |
| Bank of the Bluegrass & Trust Co. | $1,580,000 | $105,000 | -93.4% | 0.0% |
| COMMUNITYAMERICA | $100,000 | n/a | 0.0% | |
| GUILD MORTGAGE COMPANY | $360,000 | $75,000 | -79.2% | 0.0% |
| Bethpage Federal Credit Union | $10,050,000 | $65,000 | -99.4% | 0.0% |
| PHH Mortgage Corporation | $230,000 | $65,000 | -71.7% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $55,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $245,000 | $55,000 | -77.6% | 0.0% |
Frankfort's top lender by overall market share is COMMONWEALTH, with 10.4% market share. In second place, with 7.4%, is STOCKTON MORTGAGE CORPORATION, having originated $30,705,000 in loans. In third place, with 6.3%, is QUICKEN LOANS, LLC, having originated $25,980,000 in loans. In fourth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $18,905,000 in loans. In fifth place, with 3.3%, is Traditional Bank, Inc., having originated $13,610,000 in loans.
Frankfort Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Frankfort (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $179,900 (20.6%) | $234,071 (18.1%) | 0.00 | 246 |
| 2018-02-01 | $175,200 (7.9%) | $233,568 (6.0%) | 0.00 | 229 |
| 2018-03-01 | $172,450 (6.2%) | $230,636 (0.7%) | 0.00 | 222 |
| 2018-04-01 | $197,450 (19.7%) | $252,258 (7.6%) | 0.00 | 223 |
| 2018-05-01 | $209,375 (26.4%) | $256,449 (11.2%) | 0.00 | 245 |
| 2018-06-01 | $219,000 (27.0%) | $262,650 (10.8%) | 0.00 | 251 |
| 2018-07-01 | $224,900 (25.0%) | $265,752 (10.1%) | 0.00 | 283 |
| 2018-08-01 | $224,975 (25.4%) | $267,644 (10.0%) | 0.00 | 296 |
| 2018-09-01 | $227,500 (27.1%) | $269,349 (8.0%) | 0.00 | 285 |
| 2018-10-01 | $214,100 (16.1%) | $265,416 (7.8%) | 0.00 | 276 |
| 2018-11-01 | $195,829 (7.9%) | $251,637 (2.4%) | 0.00 | 268 |
| 2018-12-01 | $189,900 (4.3%) | $246,015 (1.5%) | 0.00 | 256 |
| 2019-01-01 | $189,075 (5.1%) | $235,776 (0.7%) | 0.00 | 247 |
| 2019-02-01 | $190,950 (9.0%) | $251,182 (7.5%) | 0.00 | 239 |
| 2019-03-01 | $206,300 (19.6%) | $265,218 (15.0%) | 0.00 | 223 |
| 2019-04-01 | $222,625 (12.8%) | $282,191 (11.9%) | 0.00 | 207 |
| 2019-05-01 | $219,900 (5.0%) | $282,608 (10.2%) | 0.00 | 211 |
| 2019-06-01 | $218,000 (-0.5%) | $278,600 (6.1%) | 0.00 | 192 |
| 2019-07-01 | $193,725 (-13.9%) | $262,645 (-1.2%) | 0.00 | 219 |
| 2019-08-01 | $198,691 (-11.7%) | $261,111 (-2.4%) | 0.00 | 224 |
| 2019-09-01 | $205,052 (-9.9%) | $262,052 (-2.7%) | 0.00 | 223 |
| 2019-10-01 | $209,225 (-2.3%) | $262,679 (-1.0%) | 0.00 | 233 |
| 2019-11-01 | $218,400 (11.5%) | $282,147 (12.1%) | 0.00 | 241 |
| 2019-12-01 | $215,900 (13.7%) | $287,080 (16.7%) | 0.00 | 236 |
| 2020-01-01 | $219,250 (16.0%) | $287,263 (21.8%) | 0.00 | 216 |
| 2020-02-01 | $226,750 (18.8%) | $299,098 (19.1%) | 0.00 | 191 |
| 2020-03-01 | $245,236 (18.9%) | $305,023 (15.0%) | 0.00 | 174 |
| 2020-04-01 | $244,639 (9.9%) | $303,086 (7.4%) | 0.00 | 165 |
| 2020-05-01 | $259,860 (18.2%) | $334,162 (18.2%) | 0.00 | 158 |
| 2020-06-01 | $252,000 (15.6%) | $357,114 (28.2%) | 0.00 | 131 |
| 2020-07-01 | $255,425 (31.9%) | $349,922 (33.2%) | 0.00 | 134 |
| 2020-08-01 | $242,120 (21.9%) | $320,788 (22.9%) | 0.00 | 122 |
| 2020-09-01 | $234,650 (14.4%) | $317,210 (21.1%) | 0.00 | 117 |
| 2020-10-01 | $213,450 (2.0%) | $312,062 (18.8%) | 0.00 | 123 |
| 2020-11-01 | $215,900 (-1.1%) | $298,751 (5.9%) | 0.00 | 127 |
| 2020-12-01 | $199,500 (-7.6%) | $275,044 (-4.2%) | 0.00 | 126 |
| 2021-01-01 | $195,000 (-11.1%) | $271,927 (-5.3%) | 0.00 | 113 |
| 2021-02-01 | $250,650 (10.5%) | $311,071 (4.0%) | 0.00 | 83 |
| 2021-03-01 | $252,175 (2.8%) | $304,138 (-0.3%) | 0.00 | 74 |
| 2021-04-01 | $257,400 (5.2%) | $286,813 (-5.4%) | 0.00 | 58 |
| 2021-05-01 | $263,970 (1.6%) | $298,726 (-10.6%) | 0.00 | 62 |
| 2021-06-01 | $229,450 (-9.0%) | $285,507 (-20.1%) | 0.00 | 76 |
| 2021-07-01 | $240,000 (-6.0%) | $285,188 (-18.5%) | 0.00 | 98 |
| 2021-08-01 | $234,975 (-3.0%) | $267,570 (-16.6%) | 0.00 | 108 |
| 2021-09-01 | $240,825 (2.6%) | $280,858 (-11.5%) | 0.00 | 124 |
| 2021-10-01 | $229,900 (7.7%) | $280,683 (-10.1%) | 0.00 | 133 |
| 2021-11-01 | $238,625 (10.5%) | $273,328 (-8.5%) | 0.00 | 118 |
| 2021-12-01 | $229,675 (15.1%) | $279,180 (1.5%) | 0.00 | 105 |
| 2022-01-01 | $222,500 (14.1%) | $270,704 (-0.5%) | 0.00 | 94 |
| 2022-02-01 | $231,975 (-7.5%) | $272,826 (-12.3%) | 0.00 | 74 |
| 2022-03-01 | $268,575 (6.5%) | $293,104 (-3.6%) | 0.00 | 62 |
| 2022-04-01 | $279,900 (8.7%) | $263,607 (-8.1%) | 0.00 | 56 |
| 2022-05-01 | $278,725 (5.6%) | $290,351 (-2.8%) | 0.00 | 56 |
| 2022-06-01 | $275,450 (20.1%) | $294,490 (3.2%) | 0.00 | 63 |
| 2022-07-01 | $277,000 (15.4%) | $316,666 (11.0%) | 0.00 | 86 |
| 2022-08-01 | $280,725 (19.5%) | $327,885 (22.5%) | 0.00 | 103 |
| 2022-09-01 | $297,000 (23.3%) | $338,760 (20.6%) | 0.00 | 113 |
| 2022-10-01 | $294,700 (28.2%) | $343,225 (22.3%) | 0.00 | 134 |
| 2022-11-01 | $287,625 (20.5%) | $340,287 (24.5%) | 0.00 | 143 |
| 2022-12-01 | $285,000 (24.1%) | $335,950 (20.3%) | 0.00 | 133 |
| 2023-01-01 | $310,700 (39.6%) | $354,477 (31.0%) | 0.00 | 115 |
| 2023-02-01 | $299,450 (29.1%) | $344,475 (26.3%) | 0.00 | 106 |
| 2023-03-01 | $317,975 (18.4%) | $349,575 (19.3%) | 0.00 | 105 |
| 2023-04-01 | $315,928 (12.9%) | $339,465 (28.8%) | 0.00 | 90 |
| 2023-05-01 | $321,428 (15.3%) | $355,794 (22.5%) | 0.00 | 81 |
| 2023-06-01 | $347,858 (26.3%) | $361,307 (22.7%) | 0.00 | 93 |
| 2023-07-01 | $331,329 (19.6%) | $348,145 (9.9%) | 0.00 | 100 |
| 2023-08-01 | $318,725 (13.5%) | $352,783 (7.6%) | 0.00 | 87 |
| 2023-09-01 | $285,000 (-4.0%) | $341,294 (0.8%) | 0.00 | 102 |
| 2023-10-01 | $304,950 (3.5%) | $347,243 (1.2%) | 0.00 | 111 |
| 2023-11-01 | $302,975 (5.3%) | $347,580 (2.1%) | 0.00 | 116 |
| 2023-12-01 | $299,900 (5.2%) | $335,045 (-0.3%) | 0.00 | 104 |
| 2024-01-01 | $308,950 (-0.6%) | $341,703 (-3.6%) | 0.00 | 96 |
| 2024-02-01 | $300,000 (0.2%) | $340,807 (-1.1%) | 0.00 | 86 |
| 2024-03-01 | $344,900 (8.5%) | $346,528 (-0.9%) | 0.00 | 86 |
| 2024-04-01 | $336,223 (6.4%) | $379,689 (11.9%) | 0.00 | 100 |
| 2024-05-01 | $367,450 (14.3%) | $418,629 (17.7%) | 0.00 | 101 |
| 2024-06-01 | $339,900 (-2.3%) | $385,616 (6.7%) | 0.00 | 119 |
| 2024-07-01 | $329,250 (-0.6%) | $391,456 (12.4%) | 0.00 | 138 |
| 2024-08-01 | $345,000 (8.2%) | $387,748 (9.9%) | 0.00 | 149 |
| 2024-09-01 | $340,000 (19.3%) | $367,506 (7.7%) | 0.00 | 169 |
| 2024-10-01 | $340,425 (11.6%) | $366,273 (5.5%) | 0.00 | 171 |
| 2024-11-01 | $328,900 (8.6%) | $367,075 (5.6%) | 0.00 | 184 |
| 2024-12-01 | $332,450 (10.9%) | $367,344 (9.6%) | 0.00 | 176 |
| 2025-01-01 | $344,080 (11.4%) | $368,781 (7.9%) | 0.00 | 165 |
| 2025-02-01 | $327,225 (9.1%) | $364,517 (7.0%) | 0.00 | 149 |
| 2025-03-01 | $342,830 (-0.6%) | $365,652 (5.5%) | 0.00 | 138 |
| 2025-04-01 | $337,600 (0.4%) | $372,731 (-1.8%) | 0.00 | 126 |
| 2025-05-01 | $334,950 (-8.8%) | $371,237 (-11.3%) | 0.00 | 147 |
| 2025-06-01 | $328,950 (-3.2%) | $387,005 (0.4%) | 0.00 | 159 |
| 2025-07-01 | $321,850 (-2.3%) | $402,795 (2.9%) | 0.00 | 183 |
| 2025-08-01 | $319,900 (-7.3%) | $386,264 (-0.4%) | 0.00 | 206 |
| 2025-09-01 | $298,000 (-12.4%) | $371,398 (1.1%) | 0.00 | 211 |
| 2025-10-01 | $291,950 (-14.2%) | $362,497 (-1.0%) | 0.00 | 221 |
| 2025-11-01 | $285,000 (-13.4%) | $344,451 (-6.2%) | 0.00 | 223 |
| 2025-12-01 | $294,975 (-11.3%) | $355,095 (-3.3%) | 0.00 | 204 |
| 2026-01-01 | $299,900 (-12.8%) | $370,752 (0.5%) | 0.00 | 195 |
| 2026-02-01 | $301,175 (-8.0%) | $367,920 (0.9%) | 0.00 | 184 |
| 2026-03-01 | $322,450 (-5.9%) | $385,214 (5.4%) | 0.00 | 186 |
| 2026-04-01 | $332,138 (-1.6%) | $406,956 (9.2%) | 0.00 | 187 |
| 2026-05-01 | $325,000 (-3.0%) | $401,025 (8.0%) | 0.00 | 185 |
| 2026-06-01 | $325,000 (-1.2%) | $406,126 (4.9%) | 0.00 | 189 |
| 2026-07-01 | $329,500 (2.4%) | $414,950 (3.0%) | 0.00 | 203 |
| 2026-08-01 | $325,000 (1.6%) | $411,934 (6.7%) | 0.00 | 219 |
| 2026-09-01 | $322,450 (8.2%) | $402,407 (8.4%) | 0.00 | 234 |
| 2026-10-01 | $319,750 (9.5%) | $391,906 (8.1%) | 0.00 | 242 |
Frankfort's median listing price for 2026-10-01 was $319,750, a difference of
$27,800
(9.5%) versus the prior year and
$-2,700 versus the prior month.
Frankfort's median listing price comes in at 0% of the national average.
Frankfort's average listing price for 2026-10-01 was $391,906, a difference of $29,409 (8.1%) versus the prior year and $-10,501 versus the prior month.
For the 2026-10-01 period, Frankfort had 242 MLS listings, a difference of 8 listings (3%) versus the prior month and 21 listings (10%) versus the prior year.
Frankfort's median listing price comes in at 0% of the national average.
Frankfort's average listing price for 2026-10-01 was $391,906, a difference of $29,409 (8.1%) versus the prior year and $-10,501 versus the prior month.
For the 2026-10-01 period, Frankfort had 242 MLS listings, a difference of 8 listings (3%) versus the prior month and 21 listings (10%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Frankfort (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,818 sqft |
| 2018-02-01 | 0 days | 1,788 sqft |
| 2018-03-01 | 0 days | 1,765 sqft |
| 2018-04-01 | 0 days | 1,867 sqft |
| 2018-05-01 | 0 days | 1,960 sqft |
| 2018-06-01 | 0 days | 2,022 sqft |
| 2018-07-01 | 0 days | 2,033 sqft |
| 2018-08-01 | 0 days | 2,077 sqft |
| 2018-09-01 | 0 days | 2,041 sqft |
| 2018-10-01 | 0 days | 1,992 sqft |
| 2018-11-01 | 0 days | 1,890 sqft |
| 2018-12-01 | 0 days | 1,859 sqft |
| 2019-01-01 | 0 days | 1,818 sqft |
| 2019-02-01 | 0 days | 1,850 sqft |
| 2019-03-01 | 0 days | 1,926 sqft |
| 2019-04-01 | 0 days | 2,010 sqft |
| 2019-05-01 | 0 days | 2,024 sqft |
| 2019-06-01 | 0 days | 2,024 sqft |
| 2019-07-01 | 0 days | 1,948 sqft |
| 2019-08-01 | 0 days | 1,898 sqft |
| 2019-09-01 | 0 days | 1,877 sqft |
| 2019-10-01 | 0 days | 1,863 sqft |
| 2019-11-01 | 0 days | 1,874 sqft |
| 2019-12-01 | 0 days | 1,883 sqft |
| 2020-01-01 | 0 days | 1,898 sqft |
| 2020-02-01 | 0 days | 1,975 sqft |
| 2020-03-01 | 0 days | 2,014 sqft |
| 2020-04-01 | 0 days | 2,013 sqft |
| 2020-05-01 | 0 days | 2,039 sqft |
| 2020-06-01 | 0 days | 2,037 sqft |
| 2020-07-01 | 0 days | 2,038 sqft |
| 2020-08-01 | 0 days | 1,943 sqft |
| 2020-09-01 | 0 days | 1,829 sqft |
| 2020-10-01 | 0 days | 1,803 sqft |
| 2020-11-01 | 0 days | 1,817 sqft |
| 2020-12-01 | 0 days | 1,722 sqft |
| 2021-01-01 | 0 days | 1,777 sqft |
| 2021-02-01 | 0 days | 1,916 sqft |
| 2021-03-01 | 0 days | 1,868 sqft |
| 2021-04-01 | 0 days | 1,818 sqft |
| 2021-05-01 | 0 days | 1,804 sqft |
| 2021-06-01 | 0 days | 1,777 sqft |
| 2021-07-01 | 0 days | 1,786 sqft |
| 2021-08-01 | 0 days | 1,764 sqft |
| 2021-09-01 | 0 days | 1,763 sqft |
| 2021-10-01 | 0 days | 1,669 sqft |
| 2021-11-01 | 0 days | 1,660 sqft |
| 2021-12-01 | 0 days | 1,677 sqft |
| 2022-01-01 | 0 days | 1,619 sqft |
| 2022-02-01 | 0 days | 1,571 sqft |
| 2022-03-01 | 0 days | 1,728 sqft |
| 2022-04-01 | 0 days | 1,736 sqft |
| 2022-05-01 | 0 days | 1,732 sqft |
| 2022-06-01 | 0 days | 1,743 sqft |
| 2022-07-01 | 0 days | 1,807 sqft |
| 2022-08-01 | 0 days | 1,838 sqft |
| 2022-09-01 | 0 days | 1,925 sqft |
| 2022-10-01 | 0 days | 1,977 sqft |
| 2022-11-01 | 0 days | 1,892 sqft |
| 2022-12-01 | 0 days | 1,863 sqft |
| 2023-01-01 | 0 days | 2,026 sqft |
| 2023-02-01 | 0 days | 1,972 sqft |
| 2023-03-01 | 0 days | 2,018 sqft |
| 2023-04-01 | 0 days | 1,910 sqft |
| 2023-05-01 | 0 days | 1,936 sqft |
| 2023-06-01 | 0 days | 2,055 sqft |
| 2023-07-01 | 0 days | 2,013 sqft |
| 2023-08-01 | 0 days | 1,956 sqft |
| 2023-09-01 | 0 days | 1,841 sqft |
| 2023-10-01 | 0 days | 1,913 sqft |
| 2023-11-01 | 0 days | 1,836 sqft |
| 2023-12-01 | 0 days | 1,804 sqft |
| 2024-01-01 | 0 days | 1,800 sqft |
| 2024-02-01 | 0 days | 1,763 sqft |
| 2024-03-01 | 0 days | 1,856 sqft |
| 2024-04-01 | 0 days | 1,833 sqft |
| 2024-05-01 | 0 days | 1,957 sqft |
| 2024-06-01 | 0 days | 1,980 sqft |
| 2024-07-01 | 0 days | 1,984 sqft |
| 2024-08-01 | 0 days | 2,015 sqft |
| 2024-09-01 | 0 days | 1,934 sqft |
| 2024-10-01 | 0 days | 1,795 sqft |
| 2024-11-01 | 0 days | 1,719 sqft |
| 2024-12-01 | 0 days | 1,901 sqft |
| 2025-01-01 | 0 days | 1,863 sqft |
| 2025-02-01 | 0 days | 1,769 sqft |
| 2025-03-01 | 0 days | 1,944 sqft |
| 2025-04-01 | 0 days | 1,944 sqft |
| 2025-05-01 | 0 days | 1,944 sqft |
| 2025-06-01 | 0 days | 1,887 sqft |
| 2025-07-01 | 0 days | 1,806 sqft |
| 2025-08-01 | 0 days | 1,799 sqft |
| 2025-09-01 | 0 days | 1,749 sqft |
| 2025-10-01 | 0 days | 1,750 sqft |
| 2025-11-01 | 0 days | 1,738 sqft |
| 2025-12-01 | 0 days | 1,775 sqft |
| 2026-01-01 | 0 days | 1,800 sqft |
| 2026-02-01 | 0 days | 1,780 sqft |
| 2026-03-01 | 0 days | 1,815 sqft |
| 2026-04-01 | 0 days | 1,939 sqft |
| 2026-05-01 | 0 days | 1,976 sqft |
| 2026-06-01 | 0 days | 1,899 sqft |
| 2026-07-01 | 0 days | 1,970 sqft |
| 2026-08-01 | 0 days | 1,888 sqft |
| 2026-09-01 | 0 days | 1,824 sqft |
| 2026-10-01 | 0 days | 1,762 sqft |
Frankfort's median listing age (time on market) for 2026-10-01 was 0 days.
Frankfort's median square footage for active listings during the 2026-10-01 period was 1,762 sqft. One year prior, the average listing was 1,750 sqft.
Frankfort's median square footage for active listings during the 2026-10-01 period was 1,762 sqft. One year prior, the average listing was 1,750 sqft.
Frankfort, KY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 937 | $244,375,000 | $260,806 |
| Cash Out Refi | 345 | $68,465,000 | $198,449 |
| Refi | 291 | $60,905,000 | $209,296 |
| Home Improvement | 258 | $21,450,000 | $83,140 |
| Other | 208 | $17,640,000 | $84,808 |
Frankfort's most frequently cited loan purpose was Home Purchase, with 937 originations. The 2nd most popular reason was Cash Out Refi, with 345 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 834 | $210,320,000 | $252,182 |
| 7-8% | 433 | $69,215,000 | $159,850 |
| 5-6% | 335 | $90,435,000 | $269,955 |
| Over 8% | 302 | $27,050,000 | $89,570 |
| 3-4% | 68 | $6,080,000 | $89,412 |
| 4-5% | 19 | $2,515,000 | $132,368 |
| 2.5-3% | 9 | $645,000 | $71,667 |
| <2.5% | 8 | $680,000 | $85,000 |
During 2025, Frankfort's most frequently originated rate bucket was 6-7%, with 834 originations.
Loan Sizing (Frankfort, KY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 719 | $190,835,000 | $265,417 |
| $100,000 or less | 599 | $30,945,000 | $51,661 |
| $100k-200k | 571 | $86,835,000 | $152,075 |
| $400k-600k | 105 | $49,405,000 | $470,524 |
| $600k-1000k | 37 | $26,985,000 | $729,324 |
| $Over $1MM | 8 | $27,830,000 | $3,478,750 |
Frankfort's loan sizing saw the bucket of loans from $200k-400k with 719 originations, totaling $190,835,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 729 | $191,515,000 | $262,709 |
| 60-80% | 371 | $110,945,000 | $299,043 |
| Under 20% | 343 | $14,375,000 | $41,910 |
| 20-40% | 311 | $27,935,000 | $89,823 |
| 40-60% | 186 | $33,810,000 | $181,774 |
| Over 100% | 29 | $17,075,000 | $588,793 |
Frankfort's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 729 originations, totaling $191,515,000 in origination value.