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
6.78%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.68% and
one month ago for the week of 2025-05-29, the
average rate was 7.1%.
Frankfort's average rate one year ago was 6.97%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Frankfort 30 Year Fixed Rate | 2025-07-03 | 6.78% |
| Frankfort 30 Year Fixed Rate Refi | 2025-07-03 | 6.77% |
| Frankfort 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Frankfort 15 Year Fixed Rate Refi | 2025-07-03 | 5.8% |
| Frankfort 30 Year FHA | 2025-07-03 | -0.09% |
| Frankfort 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Frankfort 30 Year USDA | 2025-07-03 | -0.2% |
| Frankfort 30 Year USDA Refi | 2025-07-03 | 0% |
| Frankfort 30 Year VA | 2025-07-03 | 0.39% |
| Frankfort 30 Year VA Refi | 2025-07-03 | -0.2% |
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 102 lenders originated 1,770
loans during 2024. The total origination value was $321,770,000, with an average loan value of
$181,791.
Frankfort's average closing costs are $4,582.
The top Frankfort lender as defined by loan originations is COMMONWEALTH, with
61 loans originated. Their average total fees are
$2,732, which is $1,995
lower than the next largest lender,
STOCKTON MORTGAGE CORPORATION.
The lowest fee Frankfort lenders (with over 10 loans originated) are
Guardian Savings Bank, A Federal Savings Bank ($1,884), COMMONWEALTH ($2,732), Traditional Bank, Inc. ($2,940), Republic Bank & Trust Company ($3,427) and Independence Bank of Kentucky ($4,235).
The lowest rate Frankfort lenders (with over 10 loans originated) are
COMMONWEALTH (6.40%), Independence Bank of Kentucky (6.46%), UNITED WHOLESALE MORTGAGE, LLC (6.61%), Traditional Bank, Inc. (6.66%) and Guardian Savings Bank, A Federal Savings Bank (6.69%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| COMMONWEALTH | $32,940,000 | $39,490,000 | 19.9% | 12.3% |
| STOCKTON MORTGAGE CORPORATION | $24,610,000 | $23,450,000 | -4.7% | 7.3% |
| QUICKEN LOANS, LLC | $12,815,000 | $21,780,000 | 70.0% | 6.8% |
| Republic Bank & Trust Company | $2,585,000 | $11,480,000 | 344.1% | 3.6% |
| Community Trust Bank, Inc. | $10,190,000 | $10,470,000 | 2.7% | 3.3% |
| Bethpage Federal Credit Union | $10,050,000 | n/a | 3.1% | |
| Independence Bank of Kentucky | $7,685,000 | $9,890,000 | 28.7% | 3.1% |
| Traditional Bank, Inc. | $5,640,000 | $9,390,000 | 66.5% | 2.9% |
| Mortgage Research Center, LLC | $7,445,000 | $8,505,000 | 14.2% | 2.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $6,395,000 | $7,890,000 | 23.4% | 2.5% |
| FREEDOM MORTGAGE CORPORATION | $1,340,000 | $6,645,000 | 395.9% | 2.1% |
| WesBanco | $7,310,000 | $6,355,000 | -13.1% | 2.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $5,705,000 | $6,110,000 | 7.1% | 1.9% |
| Republic State Mortgage Co. | $4,085,000 | $5,845,000 | 43.1% | 1.8% |
| JPMorgan Chase Bank | $1,965,000 | $5,005,000 | 154.7% | 1.6% |
| BROKER SOLUTIONS, INC. | $1,400,000 | $4,980,000 | 255.7% | 1.5% |
| Fifth Third Bank | $4,755,000 | $4,495,000 | -5.5% | 1.4% |
| City National Bank of West Virginia | $4,860,000 | $4,095,000 | -15.7% | 1.3% |
| Central Bank | $1,845,000 | $3,520,000 | 90.8% | 1.1% |
| Guardian Savings Bank, A Federal Savings Bank | $5,200,000 | $3,475,000 | -33.2% | 1.1% |
| UNIVERSITY OF KENTUCKY | $3,455,000 | $3,410,000 | -1.3% | 1.1% |
| Northpointe Bank | $6,210,000 | $3,320,000 | -46.5% | 1.0% |
| MOVEMENT MORTGAGE, LLC | $620,000 | $3,210,000 | 417.7% | 1.0% |
| First Financial Bank | $4,480,000 | $3,185,000 | -28.9% | 1.0% |
| PNC Bank | $1,630,000 | $3,130,000 | 92.0% | 1.0% |
| LOANDEPOT.COM, LLC | $2,160,000 | $3,065,000 | 41.9% | 1.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $335,000 | $2,790,000 | 732.8% | 0.9% |
| ALLIANT CREDIT UNION | $2,735,000 | n/a | 0.8% | |
| Farm Credit Mid-America, ACA | $4,510,000 | $2,725,000 | -39.6% | 0.8% |
| Bank of England | $4,625,000 | $2,620,000 | -43.4% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,465,000 | $2,370,000 | 61.8% | 0.7% |
| UNION HOME MORTGAGE CORP. | $1,880,000 | $2,275,000 | 21.0% | 0.7% |
| GENEVA FINANCIAL, LLC | $2,695,000 | $2,220,000 | -17.6% | 0.7% |
| Stock Yards Bank & Trust Company | $1,925,000 | $2,215,000 | 15.1% | 0.7% |
| Century Mortgage Company DBA Century Lending Company | $1,620,000 | $2,040,000 | 25.9% | 0.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $780,000 | $1,980,000 | 153.8% | 0.6% |
| DAS Acquisition Company, LLC | $2,290,000 | $1,925,000 | -15.9% | 0.6% |
| U.S. Bank | $1,980,000 | $1,890,000 | -4.5% | 0.6% |
| The Cecilian Bank | $1,805,000 | n/a | 0.6% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,325,000 | $1,800,000 | 35.8% | 0.6% |
| Flagstar Bank, FSB | $525,000 | $1,780,000 | 239.0% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $315,000 | $1,740,000 | 452.4% | 0.5% |
| Whitaker Bank | $3,345,000 | $1,680,000 | -49.8% | 0.5% |
| Bank of the Bluegrass & Trust Co. | $460,000 | $1,580,000 | 243.5% | 0.5% |
| RUOFF MORTGAGE COMPANY, INC. | $1,995,000 | $1,455,000 | -27.1% | 0.5% |
| Peoples Exchange Bank | $1,200,000 | $1,445,000 | 20.4% | 0.4% |
| Ixonia Bank | $1,295,000 | n/a | 0.4% | |
| ZILLOW HOME LOANS, LLC | $1,180,000 | n/a | 0.4% | |
| PENNYMAC LOAN SERVICES, LLC | $2,095,000 | $1,155,000 | -44.9% | 0.4% |
| AmRes Corporation | $1,150,000 | n/a | 0.4% | |
| T2 FINANCIAL LLC | $115,000 | $1,145,000 | 895.7% | 0.4% |
| NEW DAY FINANCIAL, LLC | $445,000 | $1,120,000 | 151.7% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $270,000 | $1,115,000 | 313.0% | 0.3% |
| The Farmers Bank | $805,000 | $1,110,000 | 37.9% | 0.3% |
| Bank of Lexington, Inc. | $880,000 | $1,095,000 | 24.4% | 0.3% |
| USAA Federal Savings Bank | $1,005,000 | $1,085,000 | 8.0% | 0.3% |
| NEWREZ LLC | $845,000 | $1,015,000 | 20.1% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $3,640,000 | $1,010,000 | -72.3% | 0.3% |
| The Federal Savings Bank | $515,000 | $995,000 | 93.2% | 0.3% |
| Prosperity Home Mortgage, LLC | $1,590,000 | $985,000 | -38.1% | 0.3% |
| Carrington Mortgage Services, LLC | $895,000 | $920,000 | 2.8% | 0.3% |
| The Huntington National Bank | $1,040,000 | $915,000 | -12.0% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $85,000 | $890,000 | 947.1% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $855,000 | n/a | 0.3% | |
| German American Bank | $585,000 | $845,000 | 44.4% | 0.3% |
| GUARANTEED RATE, INC. | $575,000 | $845,000 | 47.0% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $2,375,000 | $840,000 | -64.6% | 0.3% |
| 21ST MORTGAGE CORPORATION | $150,000 | $830,000 | 453.3% | 0.3% |
| EVERETT FINANCIAL, INC. | $400,000 | $805,000 | 101.3% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,940,000 | $775,000 | -60.1% | 0.2% |
| ENVOY MORTGAGE, LTD | $515,000 | $765,000 | 48.5% | 0.2% |
| Central Kentucky Agricultural Credit Association | $360,000 | $760,000 | 111.1% | 0.2% |
| Magnolia Bank | $1,095,000 | $750,000 | -31.5% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $690,000 | $735,000 | 6.5% | 0.2% |
| ENDEAVOR CAPITAL, LLC. | $495,000 | $680,000 | 37.4% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $975,000 | $680,000 | -30.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,635,000 | $675,000 | -58.7% | 0.2% |
| Old National Bank | $1,765,000 | $665,000 | -62.3% | 0.2% |
| Peoples Bank | $435,000 | $665,000 | 52.9% | 0.2% |
| Abound Federal Credit Union | $135,000 | $650,000 | 381.5% | 0.2% |
| Town & Country Bank and Trust Company | $625,000 | n/a | 0.2% | |
| FIELD & MAIN BANK, INC. | $7,755,000 | $620,000 | -92.0% | 0.2% |
| First Federal Bank | $415,000 | $620,000 | 49.4% | 0.2% |
| SOUTH CENTRAL BANK, INC. | $955,000 | $620,000 | -35.1% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $375,000 | $600,000 | 60.0% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $350,000 | $595,000 | 70.0% | 0.2% |
| NATIONS RELIABLE LENDING, LLC | $570,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $280,000 | $540,000 | 92.9% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $255,000 | $530,000 | 107.8% | 0.2% |
| Plains Commerce Bank | $485,000 | $530,000 | 9.3% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $525,000 | n/a | 0.2% | |
| POLARIS HOME FUNDING CORP. | $485,000 | n/a | 0.2% | |
| Union Savings Bank | $155,000 | $485,000 | 212.9% | 0.2% |
| GoPrime Mortgage, Inc. | $295,000 | $480,000 | 62.7% | 0.1% |
| NEXERA HOLDING LLC | $470,000 | n/a | 0.1% | |
| The Peoples Bank | $735,000 | $455,000 | -38.1% | 0.1% |
| TOWNE MORTGAGE COMPANY | $450,000 | n/a | 0.1% | |
| Discover Bank | $125,000 | $445,000 | 256.0% | 0.1% |
| Toyota Financial Savings Bank | $440,000 | n/a | 0.1% | |
| First American Bank | $445,000 | $435,000 | -2.2% | 0.1% |
| PLANET HOME LENDING, LLC | $1,030,000 | $420,000 | -59.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,145,000 | $400,000 | -65.1% | 0.1% |
| Cumberland Valley National Bank & Trust Company | $35,000 | $400,000 | 1,042.9% | 0.1% |
| Truist | $860,000 | $400,000 | -53.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $455,000 | $395,000 | -13.2% | 0.1% |
| Bank of America | $25,000 | $375,000 | 1,400.0% | 0.1% |
| GUILD MORTGAGE COMPANY | $125,000 | $360,000 | 188.0% | 0.1% |
| CARDINAL FINANCIAL | $350,000 | n/a | 0.1% | |
| GREENSTATE CREDIT UNION | $345,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $1,510,000 | $340,000 | -77.5% | 0.1% |
| First National Bank of America | $605,000 | $340,000 | -43.8% | 0.1% |
| OCMBC, INC. | $330,000 | n/a | 0.1% | |
| Generations Bank | $325,000 | n/a | 0.1% | |
| NBKC BANK | $380,000 | $320,000 | -15.8% | 0.1% |
| EVANSVILLE TEACHERS | $410,000 | $315,000 | -23.2% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $305,000 | n/a | 0.1% | |
| L & N Federal Credit Union | $1,620,000 | $280,000 | -82.7% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $275,000 | n/a | 0.1% | |
| MEMBERS HERITAGE Credit Union | $145,000 | $275,000 | 89.7% | 0.1% |
| LCNB National Bank | $265,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $135,000 | $260,000 | 92.6% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $1,020,000 | $255,000 | -75.0% | 0.1% |
| AMWEST FUNDING CORP. | $250,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $245,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $840,000 | $245,000 | -70.8% | 0.1% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $235,000 | $240,000 | 2.1% | 0.1% |
| TJC Mortgage, Inc. | $235,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $545,000 | $230,000 | -57.8% | 0.1% |
| Capital Bank | $225,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $225,000 | n/a | 0.1% | |
| Heritage Bank, Inc. | $225,000 | n/a | 0.1% | |
| The Citizens National Bank of Somerset | $485,000 | $225,000 | -53.6% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $610,000 | $215,000 | -64.8% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $410,000 | $215,000 | -47.6% | 0.1% |
| The Farmers Bank of Milton | $215,000 | n/a | 0.1% | |
| THE MORTGAGE WAREHOUSE,LLC | $430,000 | $215,000 | -50.0% | 0.1% |
| Florida Capital Bank | $205,000 | n/a | 0.1% | |
| Charles Schwab Bank, SSB | $185,000 | n/a | 0.1% | |
| Edmonton State Bank | $185,000 | n/a | 0.1% | |
| Grand Bank for Savings, FSB | $185,000 | n/a | 0.1% | |
| Wells Fargo Bank | $1,715,000 | $185,000 | -89.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $175,000 | n/a | 0.1% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $570,000 | $175,000 | -69.3% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $175,000 | n/a | 0.1% | |
| Skyline National Bank | $175,000 | n/a | 0.1% | |
| GENISYS | $170,000 | n/a | 0.1% | |
| COMPASS MORTGAGE, INC. | $165,000 | n/a | 0.1% | |
| Coastal Community Bank | $120,000 | $160,000 | 33.3% | 0.0% |
| AMERICAN FINANCING CORPORATION | $65,000 | $145,000 | 123.1% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $145,000 | n/a | 0.0% | |
| Ally Bank | $135,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $135,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $165,000 | $125,000 | -24.2% | 0.0% |
| Citizens Bank | $490,000 | $125,000 | -74.5% | 0.0% |
| LIMA ONE CAPITAL, LLC | $125,000 | n/a | 0.0% | |
| Fortera Federal Credit Union | $120,000 | n/a | 0.0% | |
| NFM, INC. | $115,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $115,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $95,000 | n/a | 0.0% | |
| Planters Bank, Inc. | $95,000 | n/a | 0.0% | |
| CSL Financial, LLC | $90,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $85,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $75,000 | n/a | 0.0% | |
| Forcht Bank | $65,000 | n/a | 0.0% | |
| INTERLINC MORTGAGE SERVICES, LLC | $900,000 | $65,000 | -92.8% | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | $45,000 | n/a | 0.0% | |
| PARK COMMUNITY CREDIT UNION, INC. | $405,000 | $45,000 | -88.9% | 0.0% |
| UNIFY FINANCIAL Credit Union | $45,000 | n/a | 0.0% | |
| CLASS ACT FEDERAL CREDIT UNION | $190,000 | $35,000 | -81.6% | 0.0% |
Frankfort's top lender by overall market share is COMMONWEALTH, with 12.3% market share. In second place, with 7.3%, is STOCKTON MORTGAGE CORPORATION, having originated $23,450,000 in loans. In third place, with 6.8%, is QUICKEN LOANS, LLC, having originated $21,780,000 in loans. In fourth place, with 3.6%, is Republic Bank & Trust Company, having originated $11,480,000 in loans. In fifth place, with 3.3%, is Community Trust Bank, Inc., having originated $10,470,000 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%) | $318,860 (11.8%) | 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%) | $343,931 (30.5%) | 0.00 | 91 |
| 2023-05-01 | $327,414 (17.5%) | $360,095 (24.0%) | 0.00 | 82 |
| 2023-06-01 | $351,215 (27.5%) | $364,602 (23.8%) | 0.00 | 94 |
| 2023-07-01 | $333,658 (20.5%) | $350,292 (9.9%) | 0.00 | 101 |
| 2023-08-01 | $324,950 (15.8%) | $355,026 (8.3%) | 0.00 | 88 |
| 2023-09-01 | $287,000 (-3.4%) | $343,409 (1.4%) | 0.00 | 103 |
| 2023-10-01 | $307,200 (4.2%) | $349,205 (1.7%) | 0.00 | 112 |
| 2023-11-01 | $306,000 (6.4%) | $349,469 (2.7%) | 0.00 | 117 |
| 2023-12-01 | $299,900 (5.2%) | $337,211 (0.4%) | 0.00 | 105 |
| 2024-01-01 | $309,900 (-0.3%) | $344,113 (-2.9%) | 0.00 | 97 |
| 2024-02-01 | $304,475 (1.7%) | $343,427 (-0.3%) | 0.00 | 87 |
| 2024-03-01 | $344,950 (8.5%) | $349,013 (-0.2%) | 0.00 | 87 |
| 2024-04-01 | $340,445 (7.8%) | $380,689 (10.7%) | 0.00 | 101 |
| 2024-05-01 | $367,450 (12.2%) | $418,629 (16.3%) | 0.00 | 101 |
| 2024-06-01 | $339,900 (-3.2%) | $385,616 (5.8%) | 0.00 | 119 |
| 2024-07-01 | $329,250 (-1.3%) | $391,456 (11.8%) | 0.00 | 138 |
| 2024-08-01 | $345,000 (6.2%) | $387,748 (9.2%) | 0.00 | 149 |
| 2024-09-01 | $345,000 (20.2%) | $368,668 (7.4%) | 0.00 | 169 |
| 2024-10-01 | $345,233 (12.4%) | $369,645 (5.9%) | 0.00 | 169 |
| 2024-11-01 | $328,900 (7.5%) | $367,075 (5.0%) | 0.00 | 184 |
| 2024-12-01 | $332,450 (10.9%) | $367,344 (8.9%) | 0.00 | 176 |
| 2025-01-01 | $344,080 (11.0%) | $368,781 (7.2%) | 0.00 | 165 |
| 2025-02-01 | $327,225 (7.5%) | $364,517 (6.1%) | 0.00 | 149 |
| 2025-03-01 | $342,830 (-0.6%) | $365,652 (4.8%) | 0.00 | 138 |
| 2025-04-01 | $337,600 (-0.8%) | $372,731 (-2.1%) | 0.00 | 126 |
| 2025-05-01 | $334,950 (-8.8%) | $371,237 (-11.3%) | 0.00 | 147 |
Frankfort's median listing price for 2025-05-01 was $334,950, a difference of
$-32,500
(-8.8%) versus the prior year and
$-2,650 versus the prior month.
Frankfort's median listing price comes in at 0% of the national average.
Frankfort's average listing price for 2025-05-01 was $371,237, a difference of $-47,392 (-11.3%) versus the prior year and $-1,494 versus the prior month.
For the 2025-05-01 period, Frankfort had 147 MLS listings, a difference of 21 listings (17%) versus the prior month and 46 listings (46%) versus the prior year.
Frankfort's median listing price comes in at 0% of the national average.
Frankfort's average listing price for 2025-05-01 was $371,237, a difference of $-47,392 (-11.3%) versus the prior year and $-1,494 versus the prior month.
For the 2025-05-01 period, Frankfort had 147 MLS listings, a difference of 21 listings (17%) versus the prior month and 46 listings (46%) 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 | 1,825 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 | 1,810 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 | 1,903 sqft |
| 2023-05-01 | 0 days | 1,916 sqft |
| 2023-06-01 | 0 days | 2,031 sqft |
| 2023-07-01 | 0 days | 2,010 sqft |
| 2023-08-01 | 0 days | 1,936 sqft |
| 2023-09-01 | 0 days | 1,836 sqft |
| 2023-10-01 | 0 days | 1,906 sqft |
| 2023-11-01 | 0 days | 1,827 sqft |
| 2023-12-01 | 0 days | 1,787 sqft |
| 2024-01-01 | 0 days | 1,789 sqft |
| 2024-02-01 | 0 days | 1,756 sqft |
| 2024-03-01 | 0 days | 1,844 sqft |
| 2024-04-01 | 0 days | 1,831 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 | 1,938 sqft |
| 2024-10-01 | 0 days | 1,911 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 |
Frankfort's median listing age (time on market) for 2025-05-01 was 0 days.
Frankfort's median square footage for active listings during the 2025-05-01 period was 1,944 sqft. One year prior, the average listing was 1,957 sqft.
Frankfort's median square footage for active listings during the 2025-05-01 period was 1,944 sqft. One year prior, the average listing was 1,957 sqft.
Frankfort, KY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 895 | $205,365,000 | $229,458 |
| Cash Out Refi | 298 | $41,740,000 | $140,067 |
| Refi | 201 | $47,105,000 | $234,353 |
| Home Improvement | 196 | $14,550,000 | $74,235 |
| Other | 180 | $13,010,000 | $72,278 |
Frankfort's most frequently cited loan purpose was Home Purchase, with 895 originations. The 2nd most popular reason was Cash Out Refi, with 298 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 671 | $156,095,000 | $232,630 |
| Over 8% | 462 | $40,780,000 | $88,268 |
| 7-8% | 338 | $70,030,000 | $207,189 |
| 5-6% | 172 | $38,800,000 | $225,581 |
| 3-4% | 72 | $5,690,000 | $79,028 |
| 2.5-3% | 5 | $435,000 | $87,000 |
| <2.5% | 4 | $510,000 | $127,500 |
| 4-5% | 4 | $1,420,000 | $355,000 |
During 2024, Frankfort's most frequently originated rate bucket was 6-7%, with 671 originations.
Loan Sizing (Frankfort, KY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 601 | $90,535,000 | $150,641 |
| $100,000 or less | 561 | $28,785,000 | $51,310 |
| $200k-400k | 530 | $140,190,000 | $264,509 |
| $400k-600k | 55 | $26,045,000 | $473,545 |
| $600k-1000k | 17 | $12,175,000 | $716,176 |
| $Over $1MM | 6 | $24,040,000 | $4,006,667 |
Frankfort's loan sizing saw the bucket of loans from $100k-200k with 601 originations, totaling $90,535,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 591 | $144,365,000 | $244,272 |
| 60-80% | 352 | $95,360,000 | $270,909 |
| Under 20% | 301 | $12,555,000 | $41,711 |
| 20-40% | 256 | $22,760,000 | $88,906 |
| 40-60% | 179 | $26,705,000 | $149,190 |
| Over 100% | 22 | $5,520,000 | $250,909 |
Frankfort's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 591 originations, totaling $144,365,000 in origination value.