Communityamerica Credit Union in Kentucky vs the state
23.3%Denial rate+4.49 pts vs state
31.6%Decision denial rate+8.09 pts vs state
50.5%Origination rate-7.55 pts vs state
7.04%Median rate+0.29 pts vs state
-0.08Rate spread (pts)-0.39 pts vs state
$110kMedian applicant income
52Loans originated
24Denied
What Communityamerica Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Communityamerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 48 | 22 | 11 | 22.9% |
| Fayette County | 14 | 7 | 5 | 35.7% |
| Harrison County | 5 | 3 | 1 | 20.0% |
| Kenton County | 3 | 2 | 0 | 0.0% |
| Owen County | 2 | 0 | 2 | 100.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| McCracken County | 2 | 1 | 0 | 0.0% |
| Bourbon County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Madison County | 2 | 0 | 1 | 50.0% |
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: 103 applications in 2025, of which 52 were originated and 24 denied.
23.3% of all applications, or 31.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Communityamerica Credit Union originated in Kentucky in 2025 was 7.04%, against a statewide median of 6.75%.
About this data. Figures are Communityamerica 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