USAA Federal Savings Bank in Kentucky vs the state
25.2%Denial rate+6.36 pts vs state
33.8%Decision denial rate+10.26 pts vs state
48.5%Origination rate-9.54 pts vs state
6.44%Median rate-0.31 pts vs state
-0.11Rate spread (pts)-0.42 pts vs state
$112kMedian applicant income
210Loans originated
109Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 379 | 191 | 21.6% | 6.25% | #82 |
| 2024 | 462 | 246 | 21.0% | 6.50% | #72 |
| 2025 | 433 | 210 | 25.2% | 6.44% | #87 |
What USAA Federal Savings Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 55 | 27 | 13 | 23.6% |
| Fayette County | 33 | 17 | 8 | 24.2% |
| Hardin County | 29 | 14 | 6 | 20.7% |
| Madison County | 19 | 14 | 2 | 10.5% |
| Kenton County | 17 | 9 | 3 | 17.6% |
| Warren County | 15 | 8 | 3 | 20.0% |
| Meade County | 13 | 9 | 2 | 15.4% |
| Christian County | 12 | 3 | 7 | 58.3% |
| McCracken County | 11 | 9 | 0 | 0.0% |
| Pulaski County | 10 | 4 | 3 | 30.0% |
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: 433 applications in 2025, of which 210 were originated and 109 denied.
25.2% of all applications, or 33.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans USAA Federal Savings Bank originated in Kentucky in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are USAA Federal Savings Bank'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