TRANSCEND Federal Credit Union in Kentucky vs the state
6.5%Denial rate-12.27 pts vs state
8.2%Decision denial rate-15.25 pts vs state
62.6%Origination rate+4.58 pts vs state
—Median rate
—Rate spread (pts)
$128kMedian applicant income
67Loans originated
7Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 35 | 17.4% | 5.88% | #207 |
| 2024 | 85 | 46 | 8.2% | 5.88% | #207 |
| 2025 | 107 | 67 | 6.5% | — | #201 |
What TRANSCEND Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most TRANSCEND Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 76 | 48 | 5 | 6.6% |
| Oldham County | 10 | 8 | 0 | 0.0% |
| Bullitt County | 9 | 5 | 0 | 0.0% |
| Shelby County | 4 | 2 | 1 | 25.0% |
| Woodford County | 3 | 1 | 0 | 0.0% |
| Henry County | 1 | 0 | 1 | 100.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Mercer County | 1 | 0 | 0 | 0.0% |
| Spencer 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: 107 applications in 2025, of which 67 were originated and 7 denied.
6.5% of all applications, or 8.2% 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 TRANSCEND 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