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Multifamily record
Commonwealth Credit Union, Frankfort, KY: multifamily loans made
Commonwealth Credit Union, Frankfort, KY, a credit union based in Frankfort, KY, made 42 multifamily loans in 2024 and 2025, $75M in all, in 1 state. The typical loan was about $1.2M, and the largest about $10M. Most were in Fayette County, KY.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 42
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $75.0M
- HMDA,
- Rounded amounts
- Typical loan
- $1.2M
- HMDA,
- Largest loan
- $10M
- HMDA,
- Rounded to 2 significant figures
- States
- 1
- HMDA,
Cite this
Source: The Lender Report, Commonwealth Credit Union, Frankfort, KY: multifamily loans made, https://lender.report/lender/commonwealth-credit-union-ky/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Fayette County, KY | Refinance, 150 or more units | $10M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Fayette County, KY | Purchase, 25 to 49 units | $4.6M | 6.75% | 10 yr | 62% | HMDA 2025 |
| 2025 | Madison County, KY | Purchase, 5 to 24 units | $4.6M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Bourbon County, KY | Purchase, 25 to 49 units | $3.2M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Scott County, KY | Cash-out refinance, 5 to 24 units | $3.1M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Warren County, KY | Purchase, 5 to 24 units | $2.4M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Madison County, KY | Refinance, 5 to 24 units | $1.8M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Calloway County, KY | Purchase, 25 to 49 units | $1.6M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Jefferson County, KY | Refinance, 5 to 24 units | $1.4M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Jefferson County, KY | Refinance, 5 to 24 units | $1.4M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Jefferson County, KY | Cash-out refinance, 5 to 24 units | $1.4M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Fayette County, KY | Refinance, 5 to 24 units | $1.3M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Warren County, KY | Purchase, 5 to 24 units | $1.2M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Scott County, KY | Refinance, 5 to 24 units | $1.1M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Scott County, KY | Refinance, 5 to 24 units | $1.1M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Kentucky | Refinance, 5 to 24 units | $940K | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Fayette County, KY | Purchase, 5 to 24 units | $760K | 6.75% | 10 yr | 71% | HMDA 2025 |
| 2025 | Jessamine County, KY | Cash-out refinance, 5 to 24 units | $740K | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Fayette County, KY | Purchase, 5 to 24 units | $700K | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Madison County, KY | Purchase, 5 to 24 units | $640K | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Fayette County, KY | Purchase, 5 to 24 units | $620K | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Franklin County, KY | Cash-out refinance, 5 to 24 units | $580K | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Jefferson County, KY | Cash-out refinance, 5 to 24 units | $520K | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Kentucky | Refinance, 5 to 24 units | $440K | 6.75% | 10 yr | 74% | HMDA 2025 |
| 2025 | Madison County, KY | Purchase, 5 to 24 units | $440K | 6.75% | 10 yr | 79% | HMDA 2025 |
| 42 multifamily loans made in 2024 and 2025 | $75.0M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Fayette County, KY | County | 9 | $20.7M |
| Jefferson County, KY | County | 9 | $11.6M |
| Madison County, KY | County | 7 | $13.8M |
| Bourbon County, KY | County | 3 | $10.0M |
| Kentucky | State | 3 | $3.98M |
| Scott County, KY | County | 3 | $5.30M |
| Warren County, KY | County | 2 | $3.60M |
| Calloway County, KY | County | 1 | $1.60M |
| Franklin County, KY | County | 1 | $580K |
| Jessamine County, KY | County | 1 | $740K |
| Lexington-Fayette, KY | Metro area | 1 | $920K |
| Mercer County, KY | County | 1 | $1.80M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 18 | $11.3M |
| $1M to $2.5M | 14 | $20.6M |
| $2.5M to $5M | 9 | $33.1M |
| $5M to $10M | 0 | $0 |
| $10M or more | 1 | $10.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 15 | $28.0M | $1.4M |
| 2025 | 27 | $47.0M | $1.1M |
| Purpose | Loans |
|---|---|
| Purchase | 18 |
| Refinance | 17 |
| Cash-out refinance | 7 |
| Units | Loans |
|---|---|
| 5 to 24 units | 35 |
| 25 to 49 units | 4 |
| 50 to 99 units | 2 |
| 150 or more units | 1 |
- Commonwealth Credit Union, Frankfort, KY made 42 multifamily loans totaling $75M in 2024 and 2025, in 13 named places across 1 state. HMDA,
- It made 27 of them in 2025 and 15 in 2024. HMDA,
- The typical loan was about $1.2M, with the middle half between $700K and $2.4M. HMDA,
- The largest was about $10M. Every amount is rounded to 2 significant figures. HMDA,
- 18 loans were under $1M, and 1 was $5M or more. HMDA,
- It reported a median rate of 6.75% on 42 loans, with the middle half between 6.75% and 6.75%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 78%. HMDA,
- 57% of the loans were refinancings and 43% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 35 loans. HMDA,
- Its loans were most often in Fayette County, KY (9), Jefferson County, KY (9) and Madison County, KY (7). HMDA,
What we don't know
- Whether Commonwealth Credit Union, Frankfort, KY is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.