Appalachian Community Federal Credit Union in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
20.0%Decision denial rate-3.49 pts vs state
80.0%Origination rate+21.96 pts vs state
—Median rate
—Rate spread (pts)
$98kMedian applicant income
4Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 21.4% | — | #360 |
| 2025 | 5 | 4 | 20.0% | — | #498 |
What Appalachian Community Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Appalachian Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 1 | 1 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Breathitt 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: 5 applications in 2025, of which 4 were originated and 1 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Appalachian Community 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