ASHLAND Credit Union in Kentucky vs the state
51.4%Denial rate+32.54 pts vs state
56.7%Decision denial rate+33.23 pts vs state
35.1%Origination rate-22.90 pts vs state
6.75%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.01 pts vs state
$82kMedian applicant income
26Loans originated
38Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 108 | 23.7% | 7.25% | #125 |
| 2024 | 150 | 76 | 30.0% | 7.75% | #158 |
| 2025 | 74 | 26 | 51.4% | 6.75% | #234 |
What ASHLAND Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most ASHLAND Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenup County | 31 | 15 | 13 | 41.9% |
| Boyd County | 24 | 6 | 15 | 62.5% |
| Carter County | 7 | 2 | 2 | 28.6% |
| Fayette County | 3 | 2 | 0 | 0.0% |
| Lawrence County | 2 | 0 | 2 | 100.0% |
| Lewis County | 2 | 0 | 2 | 100.0% |
| Madison County | 1 | 0 | 1 | 100.0% |
| Estill County | 1 | 0 | 1 | 100.0% |
| Elliott County | 1 | 0 | 1 | 100.0% |
| Harlan 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: 74 applications in 2025, of which 26 were originated and 38 denied.
51.4% of all applications, or 56.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans ASHLAND Credit Union originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are ASHLAND 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