Leaders Credit Union in Kentucky vs the state
18.8%Denial rate-0.06 pts vs state
30.0%Decision denial rate+6.51 pts vs state
43.8%Origination rate-14.29 pts vs state
6.50%Median rate-0.25 pts vs state
0.27Rate spread (pts)-0.04 pts vs state
$68kMedian applicant income
7Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 20.0% | 7.56% | #479 |
| 2024 | 7 | 2 | 42.9% | 9.12% | #455 |
| 2025 | 16 | 7 | 18.8% | 6.50% | #373 |
What Leaders Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Leaders Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 5 | 3 | 1 | 20.0% |
| Calloway County | 3 | 0 | 1 | 33.3% |
| Hickman County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Rockcastle County | 1 | 0 | 0 | 0.0% |
| Magoffin County | 1 | 0 | 0 | 0.0% |
| McCracken County | 1 | 1 | 0 | 0.0% |
| Russell County | 1 | 1 | 0 | 0.0% |
| Graves 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: 16 applications in 2025, of which 7 were originated and 3 denied.
18.8% of all applications, or 30.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Leaders Credit Union originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Leaders 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