CINFED Federal Credit Union in Kentucky vs the state
13.5%Denial rate-5.36 pts vs state
17.3%Decision denial rate-6.15 pts vs state
62.3%Origination rate+4.29 pts vs state
7.25%Median rate+0.50 pts vs state
0.05Rate spread (pts)-0.27 pts vs state
$89kMedian applicant income
139Loans originated
30Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 112 | 23.8% | 7.94% | #134 |
| 2024 | 153 | 101 | 8.5% | 7.88% | #154 |
| 2025 | 223 | 139 | 13.5% | 7.25% | #135 |
What CINFED Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most CINFED Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 97 | 65 | 12 | 12.4% |
| Boone County | 54 | 39 | 8 | 14.8% |
| Campbell County | 25 | 22 | 2 | 8.0% |
| Grant County | 7 | 3 | 1 | 14.3% |
| Pendleton County | 6 | 6 | 0 | 0.0% |
| Carroll County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| Gallatin County | 1 | 0 | 1 | 100.0% |
| Bracken 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: 223 applications in 2025, of which 139 were originated and 30 denied.
13.5% of all applications, or 17.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans CINFED Federal Credit Union originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are CINFED 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