MEMBERS HERITAGE Credit Union in Kentucky vs the state
2.7%Denial rate-16.09 pts vs state
3.1%Decision denial rate-20.44 pts vs state
84.8%Origination rate+26.74 pts vs state
6.50%Median rate-0.25 pts vs state
0.47Rate spread (pts)+0.16 pts vs state
$99kMedian applicant income
156Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 188 | 153 | 6.4% | 6.75% | #129 |
| 2024 | 213 | 193 | 2.8% | 6.75% | #129 |
| 2025 | 184 | 156 | 2.7% | 6.50% | #153 |
What MEMBERS HERITAGE Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most MEMBERS HERITAGE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 85 | 71 | 3 | 3.5% |
| Jessamine County | 15 | 10 | 1 | 6.7% |
| Madison County | 14 | 13 | 0 | 0.0% |
| Clark County | 11 | 9 | 0 | 0.0% |
| Bourbon County | 10 | 7 | 1 | 10.0% |
| Scott County | 8 | 8 | 0 | 0.0% |
| Montgomery County | 6 | 6 | 0 | 0.0% |
| Woodford County | 4 | 4 | 0 | 0.0% |
| Mercer County | 4 | 4 | 0 | 0.0% |
| Fleming County | 3 | 3 | 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: 184 applications in 2025, of which 156 were originated and 5 denied.
2.7% of all applications, or 3.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans MEMBERS HERITAGE Credit Union originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are MEMBERS HERITAGE 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