Fortera Federal Credit Union in Kentucky vs the state
25.7%Denial rate+6.88 pts vs state
27.4%Decision denial rate+3.94 pts vs state
55.7%Origination rate-2.31 pts vs state
7.50%Median rate+0.75 pts vs state
0.80Rate spread (pts)+0.49 pts vs state
$77kMedian applicant income
141Loans originated
65Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 143 | 30.1% | 8.75% | #104 |
| 2024 | 282 | 169 | 28.7% | 8.75% | #103 |
| 2025 | 253 | 141 | 25.7% | 7.50% | #124 |
What Fortera Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Fortera Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Christian County | 179 | 101 | 48 | 26.8% |
| Trigg County | 25 | 13 | 8 | 32.0% |
| Todd County | 12 | 7 | 1 | 8.3% |
| Caldwell County | 5 | 3 | 1 | 20.0% |
| Logan County | 4 | 2 | 2 | 50.0% |
| Hopkins County | 4 | 4 | 0 | 0.0% |
| Warren County | 4 | 2 | 1 | 25.0% |
| Hardin County | 3 | 3 | 0 | 0.0% |
| Hancock County | 2 | 0 | 2 | 100.0% |
| McCracken County | 2 | 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: 253 applications in 2025, of which 141 were originated and 65 denied.
25.7% of all applications, or 27.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Fortera Federal Credit Union originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Fortera 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