Lowest closing cost mortgage lenders in Franklin County County, Kentucky
In Franklin County, Kentucky, homebuyers paid a median of $4,744 in closing costs in 2024 — below the Kentucky median of $4,996. The county saw 451 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, COMMONWEALTH FEDERAL CREDIT UNION offered the lowest median costs at $2,704, which is $1,011 less than the county median.
Homebuyers in Franklin County County who chose COMMONWEALTH FEDERAL CREDIT UNION paid $2,040 less in closing costs than the county median.
County Median Costs
$4,744
−5.0% vs Kentucky ($4,996)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,698
Purchase Originations
451
vs Kentucky Median
5.0% below
$-252
vs National Median
29.6% below
$-1,997
Lender rankings in Franklin County County
8 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,704 | 6.625% | $670 | 36 | −$1,011 | |
| 2 | $2,876 | 6.312% | $875 | 10 | −$839 | |
| 3 | $3,343 | 6.875% | $1,154 | 10 | −$372 | |
| 4 | $3,897 | 6.375% | $2,180 | 13 | +$182 | |
| 5 | $4,066 | 6.875% | $1,868 | 34 | +$351 | |
| 6 | $4,335 | 6.750% | $2,182 | 10 | +$620 |
Includes lenders with 10+ purchase originations in Franklin County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Kentucky → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.