Transportation Federal Credit Union in Kentucky vs the state
22.2%Denial rate+3.41 pts vs state
22.2%Decision denial rate-1.27 pts vs state
77.8%Origination rate+19.74 pts vs state
8.00%Median rate+1.25 pts vs state
2.23Rate spread (pts)+1.92 pts vs state
$88kMedian applicant income
14Loans originated
4Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 8.50% | #470 |
| 2025 | 18 | 14 | 22.2% | 8.00% | #362 |
What Transportation Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Transportation Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 3 | 1 | 2 | 66.7% |
| Hardin County | 2 | 1 | 1 | 50.0% |
| Kenton County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Bullitt County | 1 | 1 | 0 | 0.0% |
| Hopkins County | 1 | 1 | 0 | 0.0% |
| Clark County | 1 | 1 | 0 | 0.0% |
| Jessamine County | 1 | 1 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Grant 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: 18 applications in 2025, of which 14 were originated and 4 denied.
22.2% of all applications, or 22.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Transportation Federal Credit Union originated in Kentucky in 2025 was 8.00%, against a statewide median of 6.75%.
About this data. Figures are Transportation 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