Navy Federal Credit Union in Kentucky vs the state
21.0%Denial rate+2.16 pts vs state
30.1%Decision denial rate+6.56 pts vs state
47.8%Origination rate-10.22 pts vs state
6.63%Median rate-0.13 pts vs state
0.10Rate spread (pts)-0.21 pts vs state
$107kMedian applicant income
668Loans originated
293Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,212 | 537 | 27.7% | 6.50% | #32 |
| 2024 | 1,456 | 675 | 23.3% | 6.75% | #29 |
| 2025 | 1,397 | 668 | 21.0% | 6.63% | #35 |
What Navy Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 215 | 92 | 51 | 23.7% |
| Hardin County | 190 | 89 | 45 | 23.7% |
| Christian County | 70 | 29 | 16 | 22.9% |
| Boone County | 65 | 39 | 9 | 13.8% |
| Fayette County | 62 | 29 | 8 | 12.9% |
| Kenton County | 42 | 21 | 12 | 28.6% |
| Meade County | 37 | 21 | 6 | 16.2% |
| Warren County | 37 | 17 | 7 | 18.9% |
| Oldham County | 33 | 20 | 4 | 12.1% |
| Madison County | 32 | 18 | 6 | 18.8% |
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: 1,397 applications in 2025, of which 668 were originated and 293 denied.
21.0% of all applications, or 30.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Navy Federal Credit Union originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Navy 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