Frankfort Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Frankfort averaged 6.1% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.81% and one month ago for the week of 2022-05-26, the average rate was 5.5%.

Frankfort's average rate one year ago was 3.11%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.72%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Frankfort 30 Year Fixed Rate 2022-06-30 6.1%
Frankfort 30 Year Fixed Rate Refi 2022-06-30 5.72%
Frankfort 15 Year Fixed Rate 2022-06-30 5.07%
Frankfort 15 Year Fixed Rate Refi 2022-06-30 4.89%
Frankfort 30 Year FHA 2022-06-30 5.84%
Frankfort 30 Year FHA Refi 2022-06-30 5.79%
Frankfort 30 Year USDA 2022-06-30 5.72%
Frankfort 30 Year USDA Refi 2022-06-30 5.67%
Frankfort 30 Year VA 2022-06-30 5.85%
Frankfort 30 Year VA Refi 2022-06-30 5.37%
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 lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
STOCKTON MORTGAGE CORPORATION 168 3.11% $2,979
COMMONWEALTH 157 2.89% $2,176
QUICKEN LOANS, LLC 109 3.23% $4,665
Guardian Savings Bank, A Federal Savings Bank 40 3.03% $1,069
Republic State Mortgage Co. 38 3.07% $2,933
UNITED WHOLESALE MORTGAGE, LLC 36 3.03% $3,029
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 34 3.16% $2,876
Community Trust Bank, Inc. 30 2.91% $2,312
ARK-LA-TEX FINANCIAL SERVICES, LLC. 27 3.33% $2,913
Independence Bank of Kentucky 24 3.23% $3,128
WesBanco Bank, Inc. 23 3.17% $3,117
Fifth Third Bank 21 3.19% $2,966
JPMorgan Chase Bank 18 3.05% $2,787
LOANDEPOT.COM, LLC 16 3.16% $4,099
First Financial Bank 16 3.09% $3,358
DAS Acquisition Company, LLC 14 3.20% $2,983
PNC Bank 13 3.16% $3,420
PROVIDENT FUNDING ASSOCIATES, L.P. 12 2.83% $2,724
AMERISAVE MORTGAGE CORPORATION 12 3.14% $3,914
Wells Fargo Bank 11 3.16% $2,673
GUARANTY HOME MORTGAGE CORPORATION 11 3.10% $2,908
ENVOY MORTGAGE, LTD 11 3.13% $3,752
Hometown Lenders, Inc. 11 3.19% $2,741
Bank of England 10 3.13% $3,048
BROKER SOLUTIONS, INC. 10 3.37% $4,355
Sierra Pacific Mortgage Company, Inc. 10 3.31% $4,233
Farm Credit Mid-America, ACA 9 3.48% $6,127
HOME POINT FINANCIAL CORPORATION 9 3.05% $4,022
Citizens Union Bank of Shelbyville 8 3.69% $2,271
Central Bank & Trust Company 8 3.16% $2,202
Commonwealth Bank and Trust Company 8 3.22% $2,927
Traditional Bank, Inc. 7 3.79% $1,293
CALIBER HOME LOANS, INC. 7 3.28% $1,884
CRESCENT MORTGAGE COMPANY 7 2.93% $2,925
AMERICAN MORTGAGE SERVICE COMPANY 7 3.05% $2,929
AgFirst Farm Credit Bank 6 3.08% $3,387
BETTER MORTGAGE CORPORATION 6 3.10% $3,446
Truist Bank 6 2.98% $2,645
U.S. Bank 6 3.06% $2,858
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 3.18% $4,230
Peoples Exchange Bank 5 3.12% $2,566
Magnolia Bank 5 3.17% $3,273
Republic Bank & Trust Company 5 3.25% $2,551
HAMILTON HOME LOANS, INC. 5 3.77% $3,986
NEWREZ LLC 5 2.97% $5,040
PENNYMAC LOAN SERVICES, LLC 5 3.20% $4,097
MUTUAL OF OMAHA MORTGAGE, INC. 5 3.30% $4,006
MOVEMENT MORTGAGE, LLC 4 3.31% $3,541
BAY EQUITY LLC 4 3.21% $2,730
Carrington Mortgage Services, LLC 4 2.91% $4,152
EVANSVILLE TEACHERS 4 2.88% $3,128
Flagstar Bank, FSB 4 2.97% $2,888
FREEDOM MORTGAGE CORPORATION 4 3.47% $2,857
GUARANTEED RATE, INC. 4 3.13% $2,710
MEMBERS HERITAGE Credit Union 4 3.19% $3,420
Mr. Cooper ( Nationstar Mortgage ) 4 3.34% $3,761
Northpointe Bank 4 3.31% $4,261
L & N Federal Credit Union 3 3.88% $1,838
PARK COMMUNITY CREDIT UNION, INC. 3 3.75% $2,311
HOMESIDE FINANCIAL, LLC 3 3.29% $4,222
THE MORTGAGE WAREHOUSE,LLC 3 2.96% $2,709
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.04% $3,565
AmeriHome Mortgage Company, LLC 3 3.21% $4,587
ROYAL UNITED MORTGAGE LLC 3 3.58% $4,822
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.17% $3,352
First Savings Bank 3 2.83% $3,194
Ally Bank 2 2.81% $2,603
InterContinental Capital Group, Inc 2 3.19% $4,431
Paramount Residential Mortgage Group, Inc. 2 3.81% $3,420
KS StateBank 2 3.38% $2,004
THRIVE MORTGAGE, LLC 2 3.06% $2,290
CROSSCOUNTRY MORTGAGE, LLC 2 2.88% $4,103
TRANSCEND 2 3.38% $1,331
Bank of America 2 3.00% $3,238
GoPrime Mortgage, Inc. 2 3.50% $5,887
Prosperity Home Mortgage, LLC 2 3.19% $2,855
GENEVA FINANCIAL, LLC 2 3.25% $4,228
FINANCE OF AMERICA MORTGAGE LLC 2 3.56% $3,484
Nations Lending Corporation 2 2.88% $5,604
AMERIFIRST FINANCIAL CORPORATION 2 3.44% $3,527
Citizens Bank 2 3.50% $2,555
CHURCHILL MORTGAGE CORPORATION 2 3.50% $3,153
NAVY FEDERAL CREDIT UNION 2 3.81% $2,638
NBKC BANK 2 2.88% $2,691
EMM LOANS LLC 2 3.31% $8,217
SOUTH CENTRAL BANK, INC. 1 3.25% $2,479
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.99% $4,999
SUMMIT FUNDING, INC. 1 2.75% $5,975
The Huntington National Bank 1 2.75% $2,501
TIAA, FSB 1 3.75% $5,052
Towne Bank 1 3.38% $3,359
BEST CAPITAL FUNDING 1 2.88% $2,089
UNIFY FINANCIAL Credit Union 1 2.53% $1,292
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.88% $2,682
GUILD MORTGAGE COMPANY 1 2.99% $7,449
Forcht Bank 1 2.88% $2,765
HOMESTEAD FUNDING CORP. 1 2.75% $3,298
First Guaranty Mortgage Corporation 1 3.25% $2,636
Ixonia Bank 1 3.38% $3,162
First Federal Bank of the Midwest 1 2.88% $4,300
Kentucky Bank 1 3.25% $2,197
Level One Bank 1 3.13% $4,018
First Federal Bank 1 2.88% $7,046
MORTGAGE INVESTORS GROUP, INC. 1 2.88% $2,627
Mortgage Research Center, LLC 1 3.25% $4,038
MORTGAGE SUPPLIERS, INC. 1 2.63% $4,547
21ST MORTGAGE CORPORATION 1 6.00% $6,027
ALTRA 1 3.60% $2,934
FAIR WAY LENDING LLC 1 2.63% $1,604
NATIONS RELIABLE LENDING, LLC 1 2.88% $4,170
Old National Bank 1 2.88% $2,948
DRAPER AND KRAMER MORTGAGE CORP. 1 2.75% $2,262
DIGITAL Federal Credit Union 1 3.13% $2,894
PHH Mortgage Corporation 1 3.50% $8,866
Colten Mortgage, LLC 1 2.88% $3,903
City National Bank of West Virginia 1 3.25% $65
Regions Bank 1 2.75% $3,263
Renasant Bank 1 3.00% $2,181
RUOFF MORTGAGE COMPANY, INC. 1 3.38% $3,674
SECURITYNATIONAL MORTGAGE COMPANY 1 3.50% $4,499
Century Mortgage Company DBA Century Lending Company 1 2.99% $3,782
SOFI LENDING CORP. 1 2.88% $2,616

Frankfort, KY's 122 lenders originated 3,350 loans during 2021. The total origination value was $572,380,000, with an average loan value of $170,860.

The top Frankfort lender as defined by loan originations is STOCKTON MORTGAGE CORPORATION, with 168 loans originated. Their average total fees are $2,979, which is $803 higher than the next largest lender, COMMONWEALTH.

The lowest fee Frankfort lenders (with over 10 loans originated) are Guardian Savings Bank, A Federal Savings Bank ($1,069), COMMONWEALTH ($2,176), Community Trust Bank, Inc. ($2,312), Wells Fargo Bank ($2,673) and PROVIDENT FUNDING ASSOCIATES, L.P. ($2,724).

The lowest rate Frankfort lenders (with over 10 loans originated) are PROVIDENT FUNDING ASSOCIATES, L.P. (2.83%), COMMONWEALTH (2.89%), Community Trust Bank, Inc. (2.91%), UNITED WHOLESALE MORTGAGE, LLC (3.03%) and Guardian Savings Bank, A Federal Savings Bank (3.03%).

Frankfort, KY Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
COMMONWEALTH $60,805,000 $66,140,000 8.8% 11.6%
STOCKTON MORTGAGE CORPORATION $49,290,000 $56,585,000 14.8% 9.9%
QUICKEN LOANS, LLC $36,495,000 $47,580,000 30.4% 8.3%
Republic State Mortgage Co. $10,525,000 $15,395,000 46.3% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $8,275,000 $14,830,000 79.2% 2.6%
Community Trust Bank, Inc. $19,995,000 $14,570,000 -27.1% 2.5%
FREEDOM MORTGAGE CORPORATION $17,365,000 $14,330,000 -17.5% 2.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $15,315,000 $12,990,000 -15.2% 2.3%
Guardian Savings Bank, A Federal Savings Bank $13,555,000 $12,265,000 -9.5% 2.1%
First Financial Bank $9,195,000 $10,000,000 8.8% 1.7%
Republic Bank & Trust Company $4,955,000 $9,915,000 100.1% 1.7%
Traditional Bank, Inc. $12,085,000 $9,785,000 -19.0% 1.7%
Independence Bank of Kentucky $14,305,000 $9,765,000 -31.7% 1.7%
Fifth Third Bank $7,970,000 $9,520,000 19.4% 1.7%
Mortgage Research Center, LLC $8,910,000 $8,865,000 -0.5% 1.5%
WesBanco Bank, Inc. $10,615,000 $8,750,000 -17.6% 1.5%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $6,655,000 $7,910,000 18.9% 1.4%
Peoples Exchange Bank $4,585,000 $7,830,000 70.8% 1.4%
Citizens Commerce Bank $5,320,000 $7,345,000 38.1% 1.3%
LOANDEPOT.COM, LLC $3,320,000 $7,165,000 115.8% 1.3%
Kentucky Bank $2,955,000 $6,735,000 127.9% 1.2%
CALIBER HOME LOANS, INC. $2,995,000 $5,765,000 92.5% 1.0%
UNIVERSITY OF KENTUCKY $11,015,000 $5,520,000 -49.9% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $5,775,000 $5,385,000 -6.8% 0.9%
PENNYMAC LOAN SERVICES, LLC $2,330,000 $5,065,000 117.4% 0.9%
JPMorgan Chase Bank $1,775,000 $4,880,000 174.9% 0.9%
PNC Bank $2,975,000 $4,695,000 57.8% 0.8%
Hometown Lenders, Inc. $4,975,000 $4,685,000 -5.8% 0.8%
PROVIDENT FUNDING ASSOCIATES, L.P. $7,610,000 $4,135,000 -45.7% 0.7%
Central Bank & Trust Company $4,345,000 $4,035,000 -7.1% 0.7%
DAS Acquisition Company, LLC $5,310,000 $3,945,000 -25.7% 0.7%
USAA Federal Savings Bank $3,150,000 $3,840,000 21.9% 0.7%
Citizens Union Bank of Shelbyville $6,660,000 $3,770,000 -43.4% 0.7%
Bank of England $2,935,000 $3,690,000 25.7% 0.6%
AMERISAVE MORTGAGE CORPORATION $3,160,000 $3,660,000 15.8% 0.6%
HOME POINT FINANCIAL CORPORATION $3,245,000 $3,660,000 12.8% 0.6%
Farm Credit Mid-America, ACA $4,060,000 $3,630,000 -10.6% 0.6%
Commonwealth Bank and Trust Company $2,910,000 $3,605,000 23.9% 0.6%
BETTER MORTGAGE CORPORATION $95,000 $3,215,000 3,284.2% 0.6%
The Citizens National Bank of Somerset $1,770,000 $3,165,000 78.8% 0.6%
GUARANTY HOME MORTGAGE CORPORATION $1,785,000 $3,090,000 73.1% 0.5%
ENVOY MORTGAGE, LTD $1,440,000 $3,055,000 112.2% 0.5%
Whitaker Bank $1,880,000 $3,030,000 61.2% 0.5%
Wells Fargo Bank $3,945,000 $2,985,000 -24.3% 0.5%
BROKER SOLUTIONS, INC. $2,835,000 n/a 0.5%
Magnolia Bank $2,990,000 $2,825,000 -5.5% 0.5%
NAVY FEDERAL CREDIT UNION $865,000 $2,820,000 226.0% 0.5%
U.S. Bank $2,505,000 $2,780,000 11.0% 0.5%
NEWREZ LLC $1,660,000 $2,735,000 64.8% 0.5%
Carrington Mortgage Services, LLC $1,035,000 $2,720,000 162.8% 0.5%
AgFirst Farm Credit Bank $1,430,000 $2,570,000 79.7% 0.4%
RiverHills Bank $2,545,000 n/a 0.4%
Sierra Pacific Mortgage Company, Inc. $840,000 $2,525,000 200.6% 0.4%
LAKEVIEW LOAN SERVICING, LLC $1,455,000 $2,480,000 70.4% 0.4%
EVANSVILLE TEACHERS $415,000 $2,305,000 455.4% 0.4%
Simmons Bank $2,165,000 n/a 0.4%
HAMILTON HOME LOANS, INC. $2,115,000 n/a 0.4%
BAY EQUITY LLC $2,300,000 $2,105,000 -8.5% 0.4%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $515,000 $2,095,000 306.8% 0.4%
Summit Community Bank, Inc. $1,900,000 n/a 0.3%
Truist Bank $1,630,000 $1,900,000 16.6% 0.3%
NEW DAY FINANCIAL, LLC $2,010,000 $1,890,000 -6.0% 0.3%
THE MORTGAGE WAREHOUSE,LLC $1,870,000 $1,700,000 -9.1% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $160,000 $1,685,000 953.1% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $995,000 $1,675,000 68.3% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $915,000 $1,600,000 74.9% 0.3%
Limestone Bank, Inc. $1,075,000 $1,600,000 48.8% 0.3%
AMERICAN MORTGAGE SERVICE COMPANY $1,860,000 $1,585,000 -14.8% 0.3%
CRESCENT MORTGAGE COMPANY $1,540,000 $1,570,000 1.9% 0.3%
MEMBERS HERITAGE Credit Union $650,000 $1,545,000 137.7% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $850,000 $1,520,000 78.8% 0.3%
Northpointe Bank $1,100,000 $1,510,000 37.3% 0.3%
AMERIFIRST FINANCIAL CORPORATION $2,735,000 $1,470,000 -46.3% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $590,000 $1,455,000 146.6% 0.3%
GENEVA FINANCIAL, LLC $1,440,000 n/a 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,390,000 $1,390,000 0.0% 0.2%
MORTGAGE SUPPLIERS, INC. $115,000 $1,335,000 1,060.9% 0.2%
GUARANTEED RATE, INC. $230,000 $1,285,000 458.7% 0.2%
Old National Bank $2,690,000 $1,280,000 -52.4% 0.2%
First Southern National Bank $380,000 $1,255,000 230.3% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $510,000 $1,230,000 141.2% 0.2%
AmeriHome Mortgage Company, LLC $285,000 $1,150,000 303.5% 0.2%
SOUTH CENTRAL BANK, INC. $5,845,000 $1,145,000 -80.4% 0.2%
Prosperity Home Mortgage, LLC $1,010,000 $1,090,000 7.9% 0.2%
Flagstar Bank, FSB $805,000 $1,035,000 28.6% 0.2%
21ST MORTGAGE CORPORATION $65,000 $1,030,000 1,484.6% 0.2%
Paramount Residential Mortgage Group, Inc. $395,000 $1,030,000 160.8% 0.2%
Farmers Bank and Trust Company $985,000 n/a 0.2%
MORTGAGE INVESTORS GROUP, INC. $1,890,000 $985,000 -47.9% 0.2%
MOVEMENT MORTGAGE, LLC $1,560,000 $920,000 -41.0% 0.2%
TRANSCEND $830,000 $870,000 4.8% 0.2%
UNION HOME MORTGAGE CORP. $780,000 $865,000 10.9% 0.2%
PHH Mortgage Corporation $570,000 $845,000 48.2% 0.1%
Ally Bank $790,000 n/a 0.1%
Peoples Bank $175,000 $790,000 351.4% 0.1%
AMERICAN FINANCING CORPORATION $370,000 $780,000 110.8% 0.1%
MID AMERICA MORTGAGE, INC. $380,000 $775,000 103.9% 0.1%
ROYAL UNITED MORTGAGE LLC $635,000 $755,000 18.9% 0.1%
The Farmers Bank $700,000 $750,000 7.1% 0.1%
HOMESIDE FINANCIAL, LLC $435,000 $745,000 71.3% 0.1%
First Savings Bank $1,435,000 $735,000 -48.8% 0.1%
First Federal Bank $575,000 $730,000 27.0% 0.1%
The Huntington National Bank $675,000 $730,000 8.1% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $455,000 $725,000 59.3% 0.1%
THRIVE MORTGAGE, LLC $725,000 n/a 0.1%
NBKC BANK $275,000 $710,000 158.2% 0.1%
PARK COMMUNITY CREDIT UNION, INC. $565,000 $710,000 25.7% 0.1%
Cumberland Valley National Bank & Trust Company $650,000 $675,000 3.8% 0.1%
Planters Bank, Inc. $635,000 n/a 0.1%
Citizens Bank $945,000 $625,000 -33.9% 0.1%
GoPrime Mortgage, Inc. $800,000 $625,000 -21.9% 0.1%
INTERLINC MORTGAGE SERVICES, LLC $1,300,000 $620,000 -52.3% 0.1%
CMG MORTGAGE, INC. $1,595,000 $590,000 -63.0% 0.1%
Nations Lending Corporation $1,905,000 $580,000 -69.6% 0.1%
The Federal Savings Bank $1,655,000 $550,000 -66.8% 0.1%
Stock Yards Bank & Trust Company $655,000 $545,000 -16.8% 0.1%
PLANET HOME LENDING, LLC $400,000 $535,000 33.8% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $515,000 n/a 0.1%
L & N Federal Credit Union $970,000 $510,000 -47.4% 0.1%
Low VA Rates, LLC $495,000 n/a 0.1%
Wilson & Muir Bank & Trust Company $765,000 $495,000 -35.3% 0.1%
InterContinental Capital Group, Inc $430,000 $485,000 12.8% 0.1%
United Citizens Bank & Trust Company $480,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $910,000 $445,000 -51.1% 0.1%
Bank of America $210,000 $440,000 109.5% 0.1%
NP, Inc. $430,000 n/a 0.1%
BEST CAPITAL FUNDING $420,000 n/a 0.1%
Forcht Bank $705,000 $420,000 -40.4% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,100,000 $415,000 -62.3% 0.1%
Century Mortgage Company DBA Century Lending Company $410,000 n/a 0.1%
Citibank $125,000 $410,000 228.0% 0.1%
Hometown Equity Mortgage, LLC $395,000 n/a 0.1%
EMM LOANS LLC $155,000 $390,000 151.6% 0.1%
RUOFF MORTGAGE COMPANY, INC. $490,000 $380,000 -22.4% 0.1%
Lakeview Community Capital, LLC $360,000 n/a 0.1%
First Federal Bank of the Midwest $1,035,000 $355,000 -65.7% 0.1%
HONDA Federal Credit Union $355,000 n/a 0.1%
KS StateBank $235,000 $340,000 44.7% 0.1%
UNIFY FINANCIAL Credit Union $255,000 $340,000 33.3% 0.1%
Level One Bank $335,000 n/a 0.1%
ALTRA $100,000 $310,000 210.0% 0.1%
BNC National Bank $305,000 n/a 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $305,000 n/a 0.1%
Regions Bank $125,000 $305,000 144.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $300,000 n/a 0.1%
Union Savings Bank $300,000 n/a 0.1%
HOMESTEAD FUNDING CORP. $295,000 n/a 0.1%
SUMMIT FUNDING, INC. $295,000 n/a 0.1%
CLEARPATH LENDING $155,000 $290,000 87.1% 0.1%
FAIR WAY LENDING LLC $655,000 $290,000 -55.7% 0.1%
SOFI LENDING CORP. $290,000 n/a 0.1%
Abound Federal Credit Union $1,265,000 $285,000 -77.5% 0.0%
Independent Bank $275,000 $285,000 3.6% 0.0%
First Guaranty Mortgage Corporation $185,000 $280,000 51.4% 0.0%
LENDINGHOME FUNDING CORPORATION $280,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $165,000 $275,000 66.7% 0.0%
Colten Mortgage, LLC $270,000 n/a 0.0%
City National Bank of West Virginia $220,000 $265,000 20.5% 0.0%
Renasant Bank $1,205,000 $250,000 -79.3% 0.0%
GUILD MORTGAGE COMPANY $245,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $390,000 $245,000 -37.2% 0.0%
Liberty Savings Bank, F.S.B. $245,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $665,000 $235,000 -64.7% 0.0%
The Monticello Banking Company $480,000 $235,000 -51.0% 0.0%
Equity Prime Mortgage LLC $225,000 n/a 0.0%
Discover Bank $155,000 $215,000 38.7% 0.0%
Western Ohio Mortgage Corporation $215,000 n/a 0.0%
DIGITAL Federal Credit Union $205,000 n/a 0.0%
First Bank Richmond $205,000 n/a 0.0%
First Harrison Bank $205,000 n/a 0.0%
Ixonia Bank $205,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $195,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $490,000 $195,000 -60.2% 0.0%
Manufacturers and Traders Trust Company $190,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $185,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $135,000 $185,000 37.0% 0.0%
FAMILY FIRST FUNDING LLC $175,000 n/a 0.0%
Meade County Bank $175,000 n/a 0.0%
Servion, Inc. $175,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $175,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $235,000 $175,000 -25.5% 0.0%
HANCOCK MORTGAGE PARTNERS, LLC $165,000 n/a 0.0%
Evolve Bank & Trust $155,000 n/a 0.0%
TIAA, FSB $155,000 n/a 0.0%
Triumph Bank $155,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $215,000 $145,000 -32.6% 0.0%
GENISYS $125,000 n/a 0.0%
STEARNS LENDING, LLC $250,000 $125,000 -50.0% 0.0%
SWBC MORTGAGE CORPORATION $535,000 $125,000 -76.6% 0.0%
Towne Bank $125,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $145,000 $115,000 -20.7% 0.0%
POLARIS HOME FUNDING CORP. $155,000 $115,000 -25.8% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $1,530,000 $105,000 -93.1% 0.0%
OCEANSIDE MORTGAGE COMPANY $105,000 $105,000 0.0% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $95,000 n/a 0.0%
Bedford Loan & Deposit Bank $85,000 n/a 0.0%
MORTGAGE 1 INCORPORATED $85,000 n/a 0.0%
Bank of Lexington, Inc. $105,000 $65,000 -38.1% 0.0%
PENTAGON FEDERAL CREDIT UNION $55,000 n/a 0.0%
AMERICAN ADVISORS GROUP $55,000 $35,000 -36.4% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
River City Bank, Inc. $25,000 n/a 0.0%

Frankfort's top lender by overall market share is COMMONWEALTH, with 11.6% market share. In second place, with 9.9%, is STOCKTON MORTGAGE CORPORATION, having originated $56,585,000 in loans. In third place, with 8.3%, is QUICKEN LOANS, LLC, having originated $47,580,000 in loans. In third place, with 2.7%, is Republic State Mortgage Co., having originated $15,395,000 in loans. In third place, with 2.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $14,830,000 in loans.


Frankfort, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,301 $260,085,000 $199,912
Refi 1,115 $197,155,000 $176,821
Cash Out Refi 577 $91,105,000 $157,894
Home Improvement 212 $12,450,000 $58,726
Other 145 $11,585,000 $79,897

Frankfort's most frequently cited loan purpose was Home Purchase, with 1,301 originations. The 2nd most popular reason was Refi, with 1,115 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,303 $227,545,000 $174,632
3-4% 1,164 $210,540,000 $180,876
<2.5% 569 $93,345,000 $164,051
4-5% 166 $19,090,000 $115,000
5-6% 66 $2,730,000 $41,364
6-7% 24 $1,550,000 $64,583
Over 8% 11 $1,185,000 $107,727
7-8% 4 $300,000 $75,000

During 2021, Frankfort's most frequently originated rate bucket was 2.5-3%, with 1,303 originations.

Loan Sizing (Frankfort, KY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,696 $250,030,000 $147,423
$200k-400k 789 $203,755,000 $258,245
$100,000 or less 766 $44,370,000 $57,924
$400k-600k 68 $32,280,000 $474,706
$Over $1MM 16 $30,850,000 $1,928,125
$600k-1000k 15 $11,095,000 $739,667

Frankfort's loan sizing saw the bucket of loans from $100k-200k with 1,696 originations, totaling $250,030,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,227 $240,665,000 $196,141
60-80% 1,039 $203,695,000 $196,049
40-60% 388 $55,470,000 $142,964
Under 20% 258 $7,840,000 $30,388
20-40% 234 $19,380,000 $82,821
Over 100% 44 $10,190,000 $231,591

Frankfort's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,227 originations, totaling $240,665,000 in origination value.


Market Conditions (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 $179,850 (15.7%) $235,794 (14.6%) 0.00 291
2018-02-01 $182,375 (10.2%) $238,352 (6.1%) 0.00 267
2018-03-01 $175,000 (5.5%) $235,194 (2.0%) 0.00 259
2018-04-01 $195,900 (16.0%) $253,165 (6.2%) 0.00 261
2018-05-01 $217,450 (28.3%) $262,122 (12.8%) 0.00 283
2018-06-01 $224,900 (26.7%) $268,803 (11.2%) 0.00 286
2018-07-01 $224,900 (25.0%) $270,489 (9.3%) 0.00 325
2018-08-01 $234,900 (28.4%) $276,690 (9.3%) 0.00 330
2018-09-01 $234,900 (29.1%) $273,198 (4.4%) 0.00 327
2018-10-01 $221,950 (17.3%) $267,511 (4.7%) 0.00 315
2018-11-01 $200,750 (6.0%) $252,280 (-1.3%) 0.00 306
2018-12-01 $189,900 (5.6%) $241,824 (0.6%) 0.00 289
2019-01-01 $189,700 (5.5%) $236,379 (0.3%) 0.00 275
2019-02-01 $197,600 (8.4%) $249,646 (4.7%) 0.00 264
2019-03-01 $207,214 (18.4%) $261,263 (11.1%) 0.00 246
2019-04-01 $219,900 (12.3%) $273,897 (8.2%) 0.00 226
2019-05-01 $213,950 (-1.6%) $273,674 (4.4%) 0.00 229
2019-06-01 $215,000 (-4.4%) $267,791 (-0.4%) 0.00 211
2019-07-01 $195,950 (-12.9%) $262,153 (-3.1%) 0.00 242
2019-08-01 $199,186 (-15.2%) $258,418 (-6.6%) 0.00 255
2019-09-01 $204,186 (-13.1%) $261,595 (-4.3%) 0.00 263
2019-10-01 $210,000 (-5.4%) $260,946 (-2.5%) 0.00 259
2019-11-01 $214,900 (7.1%) $290,115 (15.0%) 0.00 270
2019-12-01 $218,400 (15.0%) $297,099 (22.9%) 0.00 256
2020-01-01 $219,900 (15.9%) $301,575 (27.6%) 0.00 238
2020-02-01 $228,500 (15.6%) $319,380 (27.9%) 0.00 212
2020-03-01 $249,450 (20.4%) $317,607 (21.6%) 0.00 191
2020-04-01 $246,415 (12.1%) $316,168 (15.4%) 0.00 187
2020-05-01 $249,900 (16.8%) $336,810 (23.1%) 0.00 177
2020-06-01 $252,000 (17.2%) $356,744 (33.2%) 0.00 139
2020-07-01 $249,900 (27.5%) $342,330 (30.6%) 0.00 136
2020-08-01 $239,900 (20.4%) $313,649 (21.4%) 0.00 133
2020-09-01 $242,150 (18.6%) $319,597 (22.2%) 0.00 123
2020-10-01 $235,000 (11.9%) $319,399 (22.4%) 0.00 126
2020-11-01 $218,950 (1.9%) $306,189 (5.5%) 0.00 132
2020-12-01 $199,500 (-8.7%) $269,600 (-9.3%) 0.00 136
2021-01-01 $199,900 (-9.1%) $273,834 (-9.2%) 0.00 117
2021-02-01 $252,900 (10.7%) $313,397 (-1.9%) 0.00 85
2021-03-01 $251,400 (0.8%) $304,425 (-4.2%) 0.00 78
2021-04-01 $263,940 (7.1%) $295,246 (-6.6%) 0.00 62
2021-05-01 $263,940 (5.6%) $300,207 (-10.9%) 0.00 65
2021-06-01 $234,900 (-6.8%) $291,153 (-18.4%) 0.00 78
2021-07-01 $242,000 (-3.2%) $296,599 (-13.4%) 0.00 104
2021-08-01 $242,950 (1.3%) $278,305 (-11.3%) 0.00 115
2021-09-01 $244,950 (1.2%) $292,511 (-8.5%) 0.00 129
2021-10-01 $230,000 (-2.1%) $289,495 (-9.4%) 0.00 134
2021-11-01 $237,250 (8.4%) $274,981 (-10.2%) 0.00 122
2021-12-01 $229,900 (15.2%) $281,310 (4.3%) 0.00 114
2022-01-01 $229,000 (14.6%) $277,592 (1.4%) 0.00 96
2022-02-01 $231,000 (-8.7%) $274,677 (-12.4%) 0.00 79
2022-03-01 $272,395 (8.4%) $293,451 (-3.6%) 0.00 61
2022-04-01 $279,900 (6.1%) $261,473 (-11.4%) 0.00 55
2022-05-01 $277,900 (5.3%) $286,731 (-4.5%) 0.00 58
2022-06-01 $272,900 (16.2%) $293,193 (0.7%) 0.00 63
Frankfort's median listing price for 2022-06-01 was $272,900, a difference of $38,000 (16.2%) versus the prior year and $-5,000 versus the prior month.

Frankfort's median listing price comes in at 0% of the national average.

Frankfort's average listing price for 2022-06-01 was $293,193, a difference of $2,040 (0.7%) versus the prior year and $6,462 versus the prior month.

For the 2022-06-01 period, Frankfort had 63 MLS listings, a difference of 5 listings (9%) versus the prior month and -15 listings (-19%) 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 1,812 sqft
2018-02-01 0 days 1,823 sqft
2018-03-01 0 days 1,825 sqft
2018-04-01 0 days 1,876 sqft
2018-05-01 0 days 2,024 sqft
2018-06-01 0 days 2,100 sqft
2018-07-01 0 days 2,100 sqft
2018-08-01 0 days 2,174 sqft
2018-09-01 0 days 2,100 sqft
2018-10-01 0 days 1,999 sqft
2018-11-01 0 days 1,900 sqft
2018-12-01 0 days 1,850 sqft
2019-01-01 0 days 1,829 sqft
2019-02-01 0 days 1,865 sqft
2019-03-01 0 days 1,941 sqft
2019-04-01 0 days 2,007 sqft
2019-05-01 0 days 2,000 sqft
2019-06-01 0 days 2,016 sqft
2019-07-01 0 days 1,931 sqft
2019-08-01 0 days 1,885 sqft
2019-09-01 0 days 1,846 sqft
2019-10-01 0 days 1,870 sqft
2019-11-01 0 days 1,852 sqft
2019-12-01 0 days 1,889 sqft
2020-01-01 0 days 1,920 sqft
2020-02-01 0 days 1,975 sqft
2020-03-01 0 days 2,044 sqft
2020-04-01 0 days 2,025 sqft
2020-05-01 0 days 2,044 sqft
2020-06-01 0 days 2,024 sqft
2020-07-01 0 days 2,009 sqft
2020-08-01 0 days 1,910 sqft
2020-09-01 0 days 1,826 sqft
2020-10-01 0 days 1,807 sqft
2020-11-01 0 days 1,807 sqft
2020-12-01 0 days 1,722 sqft
2021-01-01 0 days 1,775 sqft
2021-02-01 0 days 1,924 sqft
2021-03-01 0 days 1,902 sqft
2021-04-01 0 days 1,889 sqft
2021-05-01 0 days 1,826 sqft
2021-06-01 0 days 1,804 sqft
2021-07-01 0 days 1,792 sqft
2021-08-01 0 days 1,785 sqft
2021-09-01 0 days 1,784 sqft
2021-10-01 0 days 1,710 sqft
2021-11-01 0 days 1,716 sqft
2021-12-01 0 days 1,718 sqft
2022-01-01 0 days 1,672 sqft
2022-02-01 0 days 1,569 sqft
2022-03-01 0 days 1,720 sqft
2022-04-01 0 days 1,710 sqft
2022-05-01 0 days 1,723 sqft
2022-06-01 0 days 1,735 sqft
Frankfort's median listing age (time on market) for 2022-06-01 was 0 days.

Frankfort's median square footage for active listings during the 2022-06-01 period was 1,735 sqft. One year prior, the average listing was 1,804 sqft.