Elements Financial Federal Credit Union in Kentucky vs the state
60.0%Denial rate+41.19 pts vs state
60.0%Decision denial rate+36.51 pts vs state
40.0%Origination rate-18.04 pts vs state
5.75%Median rate-1.01 pts vs state
-1.49Rate spread (pts)-1.80 pts vs state
$112kMedian applicant income
4Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 10 | 31.6% | 3.99% | #327 |
| 2024 | 16 | 4 | 56.3% | 6.88% | #360 |
| 2025 | 10 | 4 | 60.0% | 5.75% | #416 |
What Elements Financial Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 3 | 1 | 2 | 66.7% |
| Boone County | 2 | 1 | 1 | 50.0% |
| Monroe County | 1 | 0 | 1 | 100.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Bullitt County | 1 | 0 | 1 | 100.0% |
| Barren County | 1 | 0 | 1 | 100.0% |
| Fayette 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: 10 applications in 2025, of which 4 were originated and 6 denied.
60.0% of all applications, or 60.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Elements Financial Federal Credit Union originated in Kentucky in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are Elements Financial 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