Delta Community Credit Union in Kentucky vs the state
23.8%Denial rate+5.00 pts vs state
32.3%Decision denial rate+8.77 pts vs state
50.0%Origination rate-8.04 pts vs state
7.00%Median rate+0.25 pts vs state
-0.10Rate spread (pts)-0.41 pts vs state
$105kMedian applicant income
21Loans originated
10Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 27 | 19.1% | 8.25% | #254 |
| 2024 | 41 | 32 | 4.9% | 6.38% | #264 |
| 2025 | 42 | 21 | 23.8% | 7.00% | #286 |
What Delta Community Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Delta Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 18 | 12 | 3 | 16.7% |
| Kenton County | 15 | 5 | 6 | 40.0% |
| Campbell County | 6 | 3 | 0 | 0.0% |
| Spencer County | 1 | 1 | 0 | 0.0% |
| Owen County | 1 | 0 | 0 | 0.0% |
| Grant 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: 42 applications in 2025, of which 21 were originated and 10 denied.
23.8% of all applications, or 32.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Delta Community Credit Union originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Delta Community 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