Pathways Financial Credit Union in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
21.4%Decision denial rate-2.06 pts vs state
73.3%Origination rate+15.29 pts vs state
6.75%Median rate0.00 pts vs state
-0.02Rate spread (pts)-0.33 pts vs state
$96kMedian applicant income
11Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 8 | 28.6% | 6.56% | #362 |
| 2024 | 12 | 9 | 16.7% | 7.00% | #391 |
| 2025 | 15 | 11 | 20.0% | 6.75% | #378 |
What Pathways Financial Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Pathways Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mason County | 8 | 8 | 0 | 0.0% |
| Bracken County | 1 | 1 | 0 | 0.0% |
| Robertson County | 1 | 1 | 0 | 0.0% |
| Clark County | 1 | 1 | 0 | 0.0% |
| Lewis County | 1 | 0 | 1 | 100.0% |
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: 15 applications in 2025, of which 11 were originated and 3 denied.
20.0% of all applications, or 21.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Pathways Financial Credit Union originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Pathways Financial 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