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iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Frankfort, Kentucky

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.

Mortgage Lenders and Brokers in Frankfort, Kentucky

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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
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
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Frankfort, Kentucky

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.

Types of Mortgage Lenders in Frankfort, KY

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.

Who Lends in Frankfort, KY

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.

58.5%
Mortgage companies
25.5%
Banks
16%
Credit unions
26%
FHA loans
12%
VA loans

How to Read This List

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.

More Kentucky Mortgage Lender Pages

Frequently Asked Questions About Mortgage Lenders in Frankfort, KY

Who is the largest mortgage lender in Frankfort, KY?

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.

Which mortgage lenders in Frankfort, KY have the highest approval rates?

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.

Which Frankfort, KY mortgage lenders offer FHA, VA and USDA loans?

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.

Are credit unions and local banks included in this Frankfort, KY lender list?

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.

How are mortgage lenders in Frankfort, KY ranked on this page?

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.

Methodology and Sources

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.