Y-12 Federal Credit Union in Kentucky vs the state
38.8%Denial rate+19.97 pts vs state
46.3%Decision denial rate+22.85 pts vs state
44.9%Origination rate-13.14 pts vs state
7.38%Median rate+0.63 pts vs state
0.27Rate spread (pts)-0.05 pts vs state
$102kMedian applicant income
22Loans originated
19Denied
What Y-12 Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Y-12 Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bell County | 25 | 7 | 13 | 52.0% |
| Whitley County | 9 | 6 | 3 | 33.3% |
| Laurel County | 9 | 5 | 2 | 22.2% |
| Knox County | 2 | 1 | 1 | 50.0% |
| Jessamine County | 2 | 1 | 0 | 0.0% |
| Harlan County | 1 | 1 | 0 | 0.0% |
| Jackson 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: 49 applications in 2025, of which 22 were originated and 19 denied.
38.8% of all applications, or 46.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Y-12 Federal Credit Union originated in Kentucky in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Y-12 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