Wright-Patt Credit Union in Kentucky vs the state
14.0%Denial rate-4.81 pts vs state
15.9%Decision denial rate-7.58 pts vs state
70.0%Origination rate+11.96 pts vs state
6.13%Median rate-0.63 pts vs state
-0.07Rate spread (pts)-0.38 pts vs state
$100kMedian applicant income
35Loans originated
7Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 25 | 30.4% | 8.00% | #244 |
| 2024 | 42 | 27 | 11.9% | 8.00% | #262 |
| 2025 | 50 | 35 | 14.0% | 6.13% | #269 |
What Wright-Patt Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Wright-Patt Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 13 | 9 | 2 | 15.4% |
| Campbell County | 8 | 8 | 0 | 0.0% |
| Boone County | 6 | 4 | 0 | 0.0% |
| Jefferson County | 4 | 3 | 0 | 0.0% |
| Russell County | 3 | 3 | 0 | 0.0% |
| Rowan County | 2 | 1 | 0 | 0.0% |
| Fleming County | 2 | 0 | 2 | 100.0% |
| Pulaski County | 2 | 1 | 0 | 0.0% |
| Owen County | 1 | 0 | 1 | 100.0% |
| Clinton County | 1 | 0 | 1 | 100.0% |
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: 50 applications in 2025, of which 35 were originated and 7 denied.
14.0% of all applications, or 15.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Wright-Patt Credit Union originated in Kentucky in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Wright-Patt 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