ALTRA Federal Credit Union in Kentucky vs the state
11.1%Denial rate-7.70 pts vs state
13.0%Decision denial rate-10.45 pts vs state
70.4%Origination rate+12.33 pts vs state
6.99%Median rate+0.24 pts vs state
0.23Rate spread (pts)-0.08 pts vs state
$113kMedian applicant income
19Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 14 | 15.8% | 6.94% | #325 |
| 2024 | 26 | 19 | 7.7% | 7.49% | #308 |
| 2025 | 27 | 19 | 11.1% | 6.99% | #323 |
What ALTRA Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most ALTRA Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Christian County | 8 | 6 | 1 | 12.5% |
| Garrard County | 2 | 0 | 0 | 0.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Trigg County | 2 | 1 | 1 | 50.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Todd County | 1 | 1 | 0 | 0.0% |
| Graves County | 1 | 1 | 0 | 0.0% |
| Calloway County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| McCracken County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 27 applications in 2025, of which 19 were originated and 3 denied.
11.1% of all applications, or 13.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans ALTRA Federal Credit Union originated in Kentucky in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are ALTRA Federal Credit Union's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology