General Electric Credit Union in Kentucky vs the state
9.2%Denial rate-9.61 pts vs state
11.3%Decision denial rate-12.22 pts vs state
68.8%Origination rate+10.76 pts vs state
5.99%Median rate-0.76 pts vs state
-1.20Rate spread (pts)-1.51 pts vs state
$125kMedian applicant income
172Loans originated
23Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 363 | 268 | 6.9% | 5.75% | #85 |
| 2024 | 301 | 202 | 8.3% | 5.99% | #97 |
| 2025 | 250 | 172 | 9.2% | 5.99% | #126 |
What General Electric Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most General Electric Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 86 | 55 | 10 | 11.6% |
| Kenton County | 73 | 54 | 3 | 4.1% |
| Campbell County | 64 | 52 | 1 | 1.6% |
| Grant County | 5 | 0 | 2 | 40.0% |
| Pendleton County | 4 | 4 | 0 | 0.0% |
| Jefferson County | 4 | 1 | 1 | 25.0% |
| Laurel County | 2 | 1 | 0 | 0.0% |
| Harrison County | 2 | 1 | 1 | 50.0% |
| Fayette County | 2 | 1 | 1 | 50.0% |
| Scott 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: 250 applications in 2025, of which 172 were originated and 23 denied.
9.2% of all applications, or 11.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans General Electric Credit Union originated in Kentucky in 2025 was 5.99%, against a statewide median of 6.75%.
About this data. Figures are General Electric 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