Applications / Mortgage Analytics / Lenders / Kentucky / Commonwealth Federal Credit Union
Frankfort, KY · Credit union · NCUA · $2.7 billion assets · 1,890 loans in 2025
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1,890
loans originated, 2025
3,342
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commonwealth Federal Credit Union is a Kentucky lender of small non-purchase loans whose originations rose 22% in 2025 and which ranks eighth in Lexington, where its share rose.
Originations rose 22% to 1,890, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, faster than about four in five of them. That brings volume close to the 2,060 of 2020.
In Lexington-Fayette, where it has lent since 1999, its share rose 0.8 points to 3.3%, ranking 8 of 389 lenders; Guardian Savings Bank and Rocket Mortgage ranked first and second. It also ranked 6 of 537 in non-metro Kentucky.
Refinances were 28.9% of its loans, home improvement 28.5%, other purposes 22.3% and purchases 20.2%. Its typical loan, $85,000, was smaller than at about nine in ten similar lenders ($115,000). Almost all its lending was conventional.
LMI (low- and moderate-income) borrowers took 19.2% of its loans, against 26.6% at similar lenders, lower than about four in five of them, and majority-minority areas 3.8%, against 11.2%. Its LMI area share, 14.7%, matched peers'. The make-up of the Kentucky markets it mainly serves is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commonwealth Federal Credit Union took 3,342 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 28.9% · Home improvement 28.5% · Other 22.3% · Purchase 20.2% · Not applicable 0.1%
Conventional 100.0% · of 1,890 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 1,869 | 98.9% |
| Indiana | 21 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 590 |
| Louisville/Jefferson County | 430 |
| Cincinnati | 36 |
| Bowling Green | 8 |
| Huntington-Ashland | 8 |
| Elizabethtown | 6 |
| Clarksville | 5 |
| Indianapolis-Carmel-Greenwood | 1 |
| Owensboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CUF3Q2PQGM9256 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 78193 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561437 | 1999–2017 |
Established 1 January 1951. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Commonwealth Federal Credit Union's data.
Commonwealth Federal Credit Union's data
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Commonwealth Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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