Third in Lexington-Fayette
It ranked 3 of 389 lenders in Lexington-Fayette, its home market since before 1990, behind Guardian Savings Bank and Rocket Mortgage; its share rose 0.6 points to 4.3%.
Applications / Mortgage Analytics / Lenders / Kentucky / University of Kentucky Federal Credit Union
University of Kentucky Federal Credit Union
Lexington, KY · Credit union · NCUA · $1.6 billion assets · 1,710 loans in 2025
University of Kentucky Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,710
loans originated, 2025
2,979
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
University of Kentucky Federal Credit Union is a Kentucky credit union of small home-improvement and refinance loans that ranked third in Lexington-Fayette, where its share rose to 4.3%.
Home improvement and refinance, few purchases
Refinances were 36.9% of its loans, home improvement 36.1%, other purposes 20.0% and home purchases 7.0%. Its typical loan, $95,000, was smaller than at more than four in five similar lenders (credit unions making between half and twice as many loans). All its loans were conventional, and none were jumbo.
Faster growth than most peers
Originations rose 19% to 1,710, against 9% at similar lenders and 10% for the whole market, higher than about three-quarters of peers. That is still below its 2,065 loans of 2020. Its higher-priced share (a rate well above the average for similar loans) fell to 2.0% from 10.7% five years before.
Fewer LMI and majority-minority loans than most peers
LMI (low- and moderate-income) borrowers took 19.4% of its loans, against 27.1% at peers, though up from 14.1%; majority-minority areas took 3.6%, against 11.0%, both lower than about four in five similar lenders. Possible reasons are the make-up of the Kentucky markets it serves and a mix of home-improvement and refinance loans, which go to people who already own homes.
Questions the data can answer next
- Which Lexington-Fayette counties and tracts account for its share gain, and which lenders lost ground there?
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
1,710 loans in 2025, against a peak of 2,338 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. University of Kentucky Federal Credit Union took 2,979 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
36.9% of its 2025 loans were refinance loans; 100.0% were Conventional.
Refinance 36.9% · Home improvement 36.1% · Other 20.0% · Purchase 7.0%
Conventional 100.0% · of 1,710 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
1 state, 7 metros, 63 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 1,710 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 1,196 |
| Louisville/Jefferson County | 215 |
| Cincinnati | 24 |
| Elizabethtown | 5 |
| Bowling Green | 2 |
| Owensboro | 2 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V5YG1VXZAU5G02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 153997 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524165 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: University of Kentucky Federal Credit Union's data.
The data and the software behind these pages
University of Kentucky Federal Credit Union's data
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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