Homebuyers in Franklin County County who chose COMMONWEALTH FEDERAL CREDIT UNION paid $2,213 less in closing costs than the county median.
County Median Costs
$5,208
+4.0% vs Kentucky ($5,007)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,625
Purchase Originations
487
Denial Rate
11.5%
vs Kentucky avg (15.1%)
vs Kentucky Median
4.0% above
$201
vs National Median
22.0% below
$-1,472
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,995 | 6.250% | $670 | 41 | −$758 | |
| 2 | $3,972 | 6.875% | $1,865 | 13 | +$219 | |
| 3 | $4,539 | 6.594% | $2,465 | 10 | +$786 | |
| 4 | $4,965 | 6.750% | $2,690 | 36 | +$1,212 |
Includes lenders with 10+ purchase originations in Franklin County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Kentucky → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, 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.