Heritage Federal Credit Union in Kentucky vs the state
23.3%Denial rate+4.52 pts vs state
26.2%Decision denial rate+2.68 pts vs state
64.2%Origination rate+6.13 pts vs state
7.25%Median rate+0.50 pts vs state
1.17Rate spread (pts)+0.86 pts vs state
$72kMedian applicant income
77Loans originated
28Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 39 | 24.6% | 7.38% | #213 |
| 2024 | 108 | 66 | 25.0% | 7.00% | #182 |
| 2025 | 120 | 77 | 23.3% | 7.25% | #191 |
What Heritage Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Heritage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henderson County | 49 | 34 | 10 | 20.4% |
| Daviess County | 40 | 25 | 8 | 20.0% |
| Ohio County | 6 | 3 | 1 | 16.7% |
| Webster County | 5 | 2 | 3 | 60.0% |
| McLean County | 5 | 4 | 1 | 20.0% |
| Union County | 4 | 0 | 3 | 75.0% |
| Muhlenberg County | 3 | 2 | 1 | 33.3% |
| Nelson County | 1 | 1 | 0 | 0.0% |
| Hopkins County | 1 | 1 | 0 | 0.0% |
| Livingston 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: 120 applications in 2025, of which 77 were originated and 28 denied.
23.3% of all applications, or 26.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Heritage Federal Credit Union originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Heritage 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