Class Act Federal Credit Union in Kentucky vs the state
22.0%Denial rate+3.19 pts vs state
25.4%Decision denial rate+1.94 pts vs state
64.5%Origination rate+6.46 pts vs state
—Median rate
—Rate spread (pts)
$87kMedian applicant income
129Loans originated
44Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 108 | 0.9% | — | #169 |
| 2024 | 113 | 100 | 8.0% | — | #177 |
| 2025 | 200 | 129 | 22.0% | — | #147 |
What Class Act Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Class Act Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 149 | 111 | 19 | 12.8% |
| Bullitt County | 12 | 9 | 2 | 16.7% |
| Oldham County | 6 | 4 | 1 | 16.7% |
| Nelson County | 5 | 2 | 0 | 0.0% |
| Spencer County | 3 | 2 | 1 | 33.3% |
| Shelby County | 2 | 0 | 1 | 50.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 0 | 1 | 100.0% |
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: 200 applications in 2025, of which 129 were originated and 44 denied.
22.0% of all applications, or 25.4% 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 Class Act 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