Credit Human Federal Credit Union in Kentucky vs the state
88.9%Denial rate+70.04 pts vs state
89.0%Decision denial rate+65.50 pts vs state
3.4%Origination rate-54.66 pts vs state
8.20%Median rate+1.45 pts vs state
2.33Rate spread (pts)+2.02 pts vs state
$58kMedian applicant income
44Loans originated
1,156Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,522 | 65 | 88.3% | 7.60% | #22 |
| 2024 | 1,480 | 33 | 90.2% | 8.60% | #28 |
| 2025 | 1,301 | 44 | 88.9% | 8.20% | #37 |
What Credit Human Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pike County | 88 | 0 | 84 | 95.5% |
| Floyd County | 81 | 1 | 79 | 97.5% |
| Laurel County | 67 | 0 | 61 | 91.0% |
| Pulaski County | 43 | 1 | 37 | 86.0% |
| Knox County | 40 | 0 | 39 | 97.5% |
| Perry County | 37 | 0 | 33 | 89.2% |
| Lawrence County | 37 | 0 | 36 | 97.3% |
| Whitley County | 34 | 1 | 31 | 91.2% |
| Martin County | 34 | 0 | 34 | 100.0% |
| Johnson County | 32 | 2 | 30 | 93.8% |
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: 1,301 applications in 2025, of which 44 were originated and 1,156 denied.
88.9% of all applications, or 89.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Credit Human Federal Credit Union originated in Kentucky in 2025 was 8.20%, against a statewide median of 6.75%.
About this data. Figures are Credit Human 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