Sharefax Credit Union in Kentucky vs the state
0.0%Denial rate-18.81 pts vs state
0.0%Decision denial rate-23.49 pts vs state
72.7%Origination rate+14.69 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
8Loans originated
0Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 21.4% | 7.50% | #363 |
| 2024 | 7 | 5 | 14.3% | 7.75% | #445 |
| 2025 | 11 | 8 | 0.0% | — | #398 |
What Sharefax Credit Union lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Sharefax Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 3 | 2 | 0 | 0.0% |
| Kenton County | 3 | 3 | 0 | 0.0% |
| Campbell County | 3 | 2 | 0 | 0.0% |
| Russell County | 1 | 1 | 0 | 0.0% |
| Laurel County | 1 | 0 | 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: 11 applications in 2025, of which 8 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Sharefax 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