Credit Union Mortgage Association in Kentucky vs the state
7.1%Denial rate-11.67 pts vs state
9.1%Decision denial rate-14.40 pts vs state
69.6%Origination rate+11.60 pts vs state
5.88%Median rate-0.88 pts vs state
-0.57Rate spread (pts)-0.88 pts vs state
$111kMedian applicant income
39Loans originated
4Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 17 | 29.3% | 6.00% | #255 |
| 2024 | 38 | 17 | 10.5% | 5.88% | #278 |
| 2025 | 56 | 39 | 7.1% | 5.88% | #257 |
What Credit Union Mortgage Association lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 26 | 15 | 3 | 11.5% |
| Bullitt County | 5 | 3 | 0 | 0.0% |
| Oldham County | 3 | 3 | 0 | 0.0% |
| Logan County | 3 | 3 | 0 | 0.0% |
| Franklin County | 3 | 2 | 1 | 33.3% |
| Muhlenberg County | 2 | 1 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Simpson County | 1 | 1 | 0 | 0.0% |
| Spencer County | 1 | 0 | 0 | 0.0% |
| Shelby 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: 56 applications in 2025, of which 39 were originated and 4 denied.
7.1% of all applications, or 9.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Credit Union Mortgage Association originated in Kentucky in 2025 was 5.88%, against a statewide median of 6.75%.
About this data. Figures are Credit Union Mortgage Association'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