At a glance
From its website, read 2 Nov 2026Frontier Housing, Inc. is a loan fund based in Morehead, Kentucky. Its website describes home repair loans and home mortgages. Where it lends: Kentucky; eastern Kentucky counties (pages cite both a 16-county and a 22-county region). It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (606) 784-2131 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.FrontierKY.org |
| Office (official list) | 259 Old Flemingsburg Road, Morehead, KY 40351 |
What their website says about applying
Create your account with us Have your intake appointment Pre-qualification with lending division
sourceComplete $99 Online Homebuyer Education Course Course Complete loan application
sourceWe invite potential customers to contact us at www.frontierky.org or call 606784-2131.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
A low credit score does not have to stop you from owning a home.
source - Homebuyer education required
Complete $99 Online Homebuyer Education Course
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | 259 Old Flemingsburg Road, Morehead, KY 40351 Directions (Google Maps) |
| Website | www.FrontierKY.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages were not among the pages fetched, and the pages cite conflicting county counts (16 and 22). Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | — | Frontier can use grant and loan funds for a variety of projects: HVAC mechanical repair or replacement | source |
| Home mortgages | — | Frontier Housing helps people across Kentucky with home loans. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Kentucky; eastern Kentucky counties (pages cite both a 16-county and a 22-county region)
Frontier Housing helps people across Kentucky with home loans.
source
Borrower focus
- First-time homebuyers
You’re a first time homebuyer ready to create your dream home
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. APPLY FOR A LOAN
source
Pages read (6)
- https://frontierky.org/
- https://frontierky.org/frontier-awarded-1-6-million-for-home-purchases-repairs-and-loans/
- https://frontierky.org/build-my-credit/
- https://frontierky.org/frontier-housing-board-member-executive-graduate-from-excellence-in-governance-program/
- https://frontierky.org/rent-a-home/
- https://frontierky.org/build-a-home/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home repair loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.1 million in 6 awards from the U.S. Treasury's CDFI Fund, 2010–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,735,000 |
| 2022 | CDFI Equitable Recovery Program | $1,086,557 |
| 2021 | CDFI Program, Financial Assistance | $676,530 |
| 2021 | CDFI Rapid Response Program | $743,000 |
| 2014 | CDFI Program, Financial Assistance | $1,100,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Mar 2023| Total assets | $17.8M |
|---|---|
| Total liabilities | $7.3M |
| Net assets | $10.5M |
| Total revenue | $2.5M |
| Notes and loans receivable, net (Part X line 7) | $8.3M |
| Program-related investments (Part X line 13) | $1,000 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending March 2023 (tax year 2022; EIN 61-0863958, filed as “FRONTIER HOUSING INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Mar 2021 (990) | $12.8M | $10M | $1.6M | $8.4M |
| Mar 2022 (990) | $15.1M | $10.5M | $2.5M | $7.9M |
| Mar 2023 (990) | $17.8M | $10.5M | $2.5M | $8.3M |
Total assets grew 39% from Mar 2021 to Mar 2023; notes and loans receivable fell 1%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $17.8M | Larger than 33% of the 9 other certified loan funds and venture funds in Kentucky with a matched Form 990 (median $30.3M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Kentucky | 9 | larger than 33% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Morehead and Kentucky
- Catalytic Development Funding Corp. of Northern KentuckyLoan fund · Covington, KYCommercial real estate loans, Affordable housing development loansVerified
- Community Ventures Corporation, Inc.Loan fund · Lexington, KYSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Kentucky Highlands Investment CorporationLoan fund · London, KYAgriculture / farm loans, Equipment loans, Microloans, Small-business loansVerified
- Louisville Housing Opportunities and Micro-Enterprise Community Development Loan Fund, Inc., TheLoan fund · Louisville, KYSmall-dollar / emergency loans, Energy / solar / efficiency loans, Home repair / improvement loans, Small-business loansVerified
- Mountain Association for Community Economic Development, Inc.Loan fund · Berea, KYSmall-dollar / emergency loans, Energy / solar / efficiency loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Park Community Credit UnionCredit union · Louisville, KYAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
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