Indiana Members Credit Union in Kentucky vs the state
4.6%Denial rate-14.26 pts vs state
5.0%Decision denial rate-18.49 pts vs state
72.7%Origination rate+14.69 pts vs state
6.68%Median rate-0.07 pts vs state
-0.08Rate spread (pts)-0.39 pts vs state
$140kMedian applicant income
16Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 10 | 8 | 10.0% | 6.44% | #407 |
| 2025 | 22 | 16 | 4.6% | 6.68% | #343 |
What Indiana Members Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Indiana Members Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 6 | 6 | 0 | 0.0% |
| Lyon County | 3 | 1 | 1 | 33.3% |
| Henderson County | 3 | 3 | 0 | 0.0% |
| Livingston County | 2 | 2 | 0 | 0.0% |
| Kenton County | 1 | 0 | 0 | 0.0% |
| Hart County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 0 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Trimble County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 0 | 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: 22 applications in 2025, of which 16 were originated and 1 denied.
4.6% of all applications, or 5.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Indiana Members Credit Union originated in Kentucky in 2025 was 6.68%, against a statewide median of 6.75%.
About this data. Figures are Indiana Members 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