Frankfort, Kentucky mortgage lenders include Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, Fifth Third Bank, National AssociationFifth Third Bank, National Association1269 Us Highway 127 S, Frankfort, KY 40601A+5.0 ★Texas Ratio: 3.22%, Traditional Bank IncTraditional Bank Inc1140 Us 127 South, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.69%, Community Trust Bank, Inc.Community Trust Bank, Inc.427 Versailles Rd, Frankfort, KY 40601A+5.0 ★Texas Ratio: 3.53%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.555 Versailles Rd, Frankfort, KY 40601A+5.0 ★Texas Ratio: 3.87%, City National Bank of WVCity National Bank of WV108 Sea Hero Rd, Frankfort, KY 40601A+5.0 ★Texas Ratio: 1.47%, Independence Bank of KentuckyIndependence Bank of Kentucky450 Versailles Rd, Frankfort, KY 40601A+5.0 ★Texas Ratio: 0.79%, PNC Bank N.A.PNC Bank N.A.1309 US 127 South, Frankfort, KY 40601A+5.0 ★Texas Ratio: 4.24%, Stockton Mortgage CorporationStockton Mortgage CorporationFrankfort, KY, and Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Frankfort, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Frankfort are listed first, then lenders elsewhere in Kentucky, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Market share is the lender's share of all home loans closed in Frankfort, Kentucky. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 98 +113 HELOCs |
13.6% | 84.2% | $140,408 | |
|
1 office in Frankfort 1269 Us Highway 127 S, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, Jumbo, HELOC | 24 +13 HELOCs |
3.3% | 82.8% | $191,250 | View |
|
2 offices in Frankfort 1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional, FHA, HELOC | 14 +7 HELOCs |
1.9% | 70% | $237,857 | View |
|
2 offices in Frankfort 427 Versailles Rd, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 7 +10 HELOCs |
1% | 70% | $205,000 | View |
|
3 offices in Frankfort 555 Versailles Rd, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 6 +27 HELOCs |
0.8% | 75% | $281,666 | View |
|
1 office in Frankfort 108 Sea Hero Rd, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 6 +7 HELOCs |
0.8% | 87.5% | $281,666 | View |
|
2 offices in Frankfort 450 Versailles Rd, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 6 +5 HELOCs |
0.8% | 75% | $215,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Frankfort 1309 US 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 5 +3 HELOCs |
0.7% | 83.3% | $155,000 | View |
Stockton Mortgage Corporation
|
Conventional, FHA, VA | 72 | 10% | 91.1% | $208,194 | |
|
7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, HELOC | 14 +2 HELOCs |
1.9% | 100% | $207,142 | View |
|
264 Versailles Rd, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 12 | 1.7% | 92.9% | $135,833 | View |
|
924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 10 +1 HELOCs |
1.4% | 100% | $183,000 | View |
|
119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 8 +1 HELOCs |
1.1% | 100% | $215,000 | View |
|
7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +4 HELOCs |
0.8% | 54.5% | $108,333 | View |
|
101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, FHA | 5 | 0.7% | 100% | $217,000 | View |
|
520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $165,000 | View |
|
★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $180,000 | View |
|
★ 3.5 stars, 2 reviews 6409 Polo Club Ln, Lexington, KY 40509 A+5.0 ★Texas Ratio: 0.09% |
Conventional | 2 | 0.3% | 100% | $435,000 | View |
|
2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 2 | 0.3% | 100% | $210,000 | View |
|
235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 2 | 0.3% | 100% | $390,000 | View |
|
3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 2 | 0.3% | 100% | $140,000 | View |
|
221 W 5th St, Benton, KY 42025 A+5.0 ★Texas Ratio: 3.65% |
Conventional | 2 | 0.3% | 100% | $260,000 | View |
|
Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $275,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 1 | 0.1% | 100% | $225,000 | |
|
Highways 52 And 11, Beattyville, KY 41311 A+5.0 ★Texas Ratio: 1.13% |
VA | 1 | 0.1% | 100% | $355,000 | View |
|
1315 CANNONSBURG RD, ASHLAND, KY 41102 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
|
★ 5 stars, 1 review 310 N Cross St, Albany, KY 42602 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
|
1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
|
215 Southland Dr, Lexington, KY 40503 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 1 | 0.1% | 50% | $105,000 | View |
|
197 Windsor Rd, Flemingsburg, KY 41041 B4.6 ★Texas Ratio: 20.37% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
|
5290 Scottsville Rd, Bowling Green, KY 42104 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.1% | 33.3% | $105,000 | View |
|
111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.1% | 25% | $135,000 | View |
|
651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 50% | $285,000 | View |
|
100 Us Highway 676 Byp S, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 3.39% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Farm Credit Mid-America, Aca
|
Conventional | 4 | 0.6% | 80% | $387,500 | |
University of Ky FCU
|
HELOC | 0 +11 HELOCs |
0% | 0% | ||
Park Community Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
|
Conventional, FHA, VA | 61 | 8.5% | 82.1% | $179,754 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 42 +1 HELOCs |
5.8% | 86% | $253,809 | |
Das Acquisition Company, LLC
|
Conventional, FHA, VA | 19 | 2.6% | 100% | $202,894 | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA, VA | 19 | 2.6% | 100% | $151,842 | |
Mortgage Research Center
|
FHA, VA | 17 | 2.4% | 64.3% | $279,117 | |
Republic State Mortgage Company
|
Conventional, FHA, VA | 13 | 1.8% | 92.9% | $206,538 | |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, VA | 11 | 1.5% | 100% | $159,545 | View |
New American Funding, LLC.
|
Conventional, FHA | 11 | 1.5% | 84.6% | $230,454 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 10 | 1.4% | 61.1% | $186,000 | |
Nationstar Mortgage
|
Conventional, FHA | 10 | 1.4% | 91.7% | $136,000 | |
T2 Financial LLC
|
Conventional, FHA, VA | 9 | 1.2% | 100% | $267,222 | |
Freedom Mortgage Corporation
|
FHA, VA | 7 | 1% | 70% | $260,714 | |
Ruoff Mortgage Company
|
Conventional, FHA, VA | 6 | 0.8% | 100% | $263,333 | |
Newrez LLC
|
Conventional, FHA, VA | 6 | 0.8% | 60% | $253,333 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 6 | 0.8% | 100% | $255,000 | View |
Lower, LLC
|
Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
0.7% | 71.4% | $225,000 | |
Amerisave Mortgage Company
|
Conventional, FHA | 5 | 0.7% | 31.2% | $109,000 | |
21St Mortgage
|
Conventional | 5 | 0.7% | 55.6% | $147,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 5 | 0.7% | 25% | $131,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
0.6% | 100% | $190,000 | |
Primary Residential Mortgage, INC.
|
Conventional, FHA | 4 | 0.6% | 100% | $85,000 | |
Kind Lending, LLC
|
Conventional, FHA, VA | 4 | 0.6% | 57.1% | $300,000 | |
loanDepot.com LLC
|
Conventional, VA | 4 | 0.6% | 57.1% | $112,500 | |
Movement Mortgage, LLC
|
Conventional, FHA, VA | 4 | 0.6% | 100% | $305,000 | |
Union Home Mortgage Corp.
|
Conventional, VA | 4 | 0.6% | 80% | $350,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 4 | 0.6% | 100% | $210,000 | View |
Mutual of Omaha Mortgage
|
Conventional, FHA | 4 | 0.6% | 80% | $230,000 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 4 | 0.6% | 80% | $290,000 | |
American Financial Resources LLC
|
Conventional, FHA, USDA | 3 | 0.4% | 75% | $175,000 | |
Lakeview Loan Servicing, LLC
|
Conventional, FHA | 3 | 0.4% | 100% | $188,333 | |
Sage Home Loans Corporation
|
Conventional | 3 | 0.4% | 100% | $248,333 | |
AdvantageFirst Lending Inc
|
FHA | 3 | 0.4% | 100% | $215,000 | |
Discover Bank
|
Conventional | 3 | 0.4% | 75% | $45,000 | |
Sun West Mortgage Company, Inc
|
Conventional, FHA | 3 | 0.4% | 100% | $325,000 | |
New Day Financial, LLC.
|
VA | 3 | 0.4% | 100% | $251,666 | |
Planet Home Lending, LLC
|
VA | 3 | 0.4% | 100% | $301,666 | |
Mortgage Investors Group
|
Conventional, FHA | 3 | 0.4% | 75% | $275,000 | |
Carrington Mortgage Services LLC
|
Conventional, FHA | 3 | 0.4% | 50% | $131,666 | |
EMM Loans LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $105,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
|
Conventional, FHA | 2 | 0.3% | 100% | $125,000 | |
Royal United Mortgage LLC
|
Conventional, FHA | 2 | 0.3% | 66.7% | $135,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
FHA | 2 | 0.3% | 100% | $200,000 | View |
Everett Financial, Inc.
|
FHA | 2 | 0.3% | 66.7% | $255,000 | |
CrossCountry Mortgage, LLC
|
FHA | 2 | 0.3% | 100% | $175,000 | |
Dart Bank
|
FHA | 2 | 0.3% | 66.7% | $185,000 | |
|
A+5.0 ★Texas Ratio: 3.45% |
Conventional | 2 | 0.3% | 66.7% | $180,000 | View |
Provident Funding Associates
|
Conventional | 2 | 0.3% | 66.7% | $215,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.3% | 100% | $240,000 | View |
Mortgage Solutions of Colorado
|
VA | 2 | 0.3% | 100% | $255,000 | |
Endeavor Capital, LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $190,000 | |
Prosperity Home Mortgage, LLC
|
VA, USDA | 2 | 0.3% | 75% | $210,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 66.7% | $120,000 | View |
Top Flite Financial, Inc.
|
Conventional, FHA | 2 | 0.3% | 75% | $245,000 | |
|
A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $145,000 | View |
The Loan Store, Inc
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $165,000 | |
Polaris Home Funding Corp.
|
FHA | 1 | 0.1% | 100% | $285,000 | |
Interlinc Mortgage Services, LLC
|
FHA | 1 | 0.1% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $545,000 | View |
First Community Mortgage, Inc.
|
FHA | 1 | 0.1% | 100% | $225,000 | |
Primelending
|
Conventional | 1 | 0.1% | 66.7% | $55,000 | |
|
A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
Acrisure Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $495,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.1% | 100% | $245,000 | |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.1% | 71.4% | $65,000 | |
Loanunited.Com, LLC
|
FHA | 1 | 0.1% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.1% | 100% | $185,000 | View |
Cmg Mortgage Inc
|
FHA | 1 | 0.1% | 100% | $225,000 | |
American Financing Corporation
|
VA | 1 | 0.1% | 100% | $285,000 | |
Bay Equity LLC
|
Conventional | 1 | 0.1% | 100% | $115,000 | |
Eastman Credit Union
|
Conventional | 1 | 0.1% | 100% | $595,000 | |
American Heritage Lending, LLC
|
Conventional | 1 | 0.1% | 100% | $175,000 | |
Nfm, Inc
|
Conventional | 1 | 0.1% | 100% | $345,000 | |
First International Bank & Trust
|
Conventional | 1 | 0.1% | 100% | $185,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $295,000 | |
Nations Lending Corporation
|
FHA | 1 | 0.1% | 100% | $165,000 | |
Communityamerica Federal Credit Union
|
Conventional | 1 | 0.1% | 100% | $35,000 | |
Dupaco Community Credit Union
|
Conventional | 1 | 0.1% | 100% | $205,000 | |
Better Mortgage Corporation
|
FHA | 1 | 0.1% | 50% | $375,000 | |
Pike Creek Mortgage Services, Inc.
|
FHA | 1 | 0.1% | 100% | $225,000 | |
Zillow Home Loans, LLC
|
FHA | 1 | 0.1% | 100% | $225,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
The Home Savings and Loan Company of Kenton, Ohio
|
Conventional | 1 | 0.1% | 100% | $115,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $215,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.1% | 100% | $225,000 | View |
|
A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
Spring Eq, LLC
|
Conventional | 1 | 0.1% | 66.7% | $55,000 | |
Goprime Mortgage, Inc.
|
Conventional | 1 | 0.1% | 100% | $275,000 | |
Village Capital & Investment
|
VA | 1 | 0.1% | 75% | $425,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Digital Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Daily average mortgage rates for Kentucky compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Frankfort? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Frankfort in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Frankfort, KY lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 58.5 percent of home loans in Frankfort, Kentucky in 2025, banks 25.5 percent and credit unions 16 percent. Stockton Mortgage Corporation was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Commonwealth Federal Credit Union led with 98 loans.
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Kentucky. State deed transfer tax of $0.50 per $500 of value (0.1 percent), paid by the seller (KRS 142.050); no mortgage recording tax.
By home loans closed in 2025, Commonwealth Federal Credit Union was the largest mortgage lender in Frankfort, Kentucky with 98 loans, about 13.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Frankfort, Kentucky, Stockton Mortgage Corporation approved the highest share of completed applications in 2025 at 91.1 percent, against a 81.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
55 lenders closed FHA loans in Frankfort, Kentucky in 2025, led by Stockton Mortgage Corporation with 35. 32 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 47 banks and 16 credit unions closed home loans in Frankfort, Kentucky in 2025, alongside 68 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Frankfort, Kentucky during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Frankfort, Kentucky for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Frankfort. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.