Park Federal Credit Union in Kentucky vs the state
15.6%Denial rate-3.24 pts vs state
18.7%Decision denial rate-4.76 pts vs state
66.6%Origination rate+8.58 pts vs state
7.50%Median rate+0.75 pts vs state
-0.13Rate spread (pts)-0.44 pts vs state
$91kMedian applicant income
505Loans originated
118Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,294 | 904 | 13.4% | 7.13% | #28 |
| 2024 | 854 | 546 | 15.2% | 8.24% | #50 |
| 2025 | 758 | 505 | 15.6% | 7.50% | #56 |
What Park Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Park Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 416 | 278 | 69 | 16.6% |
| Bullitt County | 101 | 65 | 18 | 17.8% |
| Madison County | 74 | 48 | 10 | 13.5% |
| Oldham County | 36 | 23 | 2 | 5.6% |
| Fayette County | 26 | 22 | 1 | 3.8% |
| Shelby County | 14 | 9 | 2 | 14.3% |
| Nelson County | 13 | 8 | 3 | 23.1% |
| Spencer County | 9 | 7 | 1 | 11.1% |
| Garrard County | 9 | 4 | 1 | 11.1% |
| Clark County | 8 | 5 | 1 | 12.5% |
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: 758 applications in 2025, of which 505 were originated and 118 denied.
15.6% of all applications, or 18.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Park Federal Credit Union originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Park 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