Centra Credit Union in Kentucky vs the state
6.0%Denial rate-12.81 pts vs state
7.7%Decision denial rate-15.80 pts vs state
72.0%Origination rate+13.96 pts vs state
6.44%Median rate-0.31 pts vs state
-0.04Rate spread (pts)-0.35 pts vs state
$85kMedian applicant income
36Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 37 | 6.4% | 6.74% | #240 |
| 2024 | 28 | 23 | 14.3% | 5.99% | #301 |
| 2025 | 50 | 36 | 6.0% | 6.44% | #268 |
What Centra Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Centra Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 31 | 21 | 3 | 9.7% |
| Trimble County | 4 | 3 | 0 | 0.0% |
| Bullitt County | 3 | 2 | 0 | 0.0% |
| Oldham County | 2 | 2 | 0 | 0.0% |
| Shelby County | 2 | 1 | 0 | 0.0% |
| Grayson County | 1 | 1 | 0 | 0.0% |
| Spencer County | 1 | 0 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Breckinridge 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: 50 applications in 2025, of which 36 were originated and 3 denied.
6.0% of all applications, or 7.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Centra Credit Union originated in Kentucky in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are Centra 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