Quorum Federal Credit Union in Kentucky vs the state
40.9%Denial rate+22.10 pts vs state
40.9%Decision denial rate+17.42 pts vs state
50.0%Origination rate-8.04 pts vs state
10.13%Median rate+3.38 pts vs state
2.62Rate spread (pts)+2.31 pts vs state
$110kMedian applicant income
22Loans originated
18Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 7 | 46.7% | 10.88% | #353 |
| 2024 | 26 | 10 | 38.5% | 9.87% | #307 |
| 2025 | 44 | 22 | 40.9% | 10.13% | #283 |
What Quorum Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Quorum Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 8 | 8 | 0 | 0.0% |
| Campbell County | 6 | 3 | 1 | 16.7% |
| Boone County | 6 | 2 | 3 | 50.0% |
| Jessamine County | 3 | 2 | 1 | 33.3% |
| Kenton County | 2 | 2 | 0 | 0.0% |
| Grant County | 2 | 1 | 1 | 50.0% |
| Pike County | 2 | 1 | 1 | 50.0% |
| Boyle County | 2 | 0 | 2 | 100.0% |
| Hopkins County | 1 | 1 | 0 | 0.0% |
| Lincoln 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: 44 applications in 2025, of which 22 were originated and 18 denied.
40.9% of all applications, or 40.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Quorum Federal Credit Union originated in Kentucky in 2025 was 10.13%, against a statewide median of 6.75%.
About this data. Figures are Quorum 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