Service Federal Credit Union in Kentucky vs the state
11.1%Denial rate-7.70 pts vs state
16.7%Decision denial rate-6.82 pts vs state
55.6%Origination rate-2.48 pts vs state
6.49%Median rate-0.26 pts vs state
-7.19Rate spread (pts)-7.50 pts vs state
$75kMedian applicant income
5Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 3 | 42.9% | 6.25% | #434 |
| 2024 | 6 | 2 | 66.7% | 6.38% | #479 |
| 2025 | 9 | 5 | 11.1% | 6.49% | #435 |
What Service Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boyle County | 2 | 1 | 0 | 0.0% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Graves County | 1 | 1 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 0 | 0 | 0.0% |
| Hardin County | 1 | 0 | 0 | 0.0% |
| Grayson County | 1 | 0 | 1 | 100.0% |
| Meade County | 1 | 1 | 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: 9 applications in 2025, of which 5 were originated and 1 denied.
11.1% of all applications, or 16.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Service Federal Credit Union originated in Kentucky in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Service 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