Applications / Mortgage Analytics / Lenders / Kentucky / Abound Federal Credit Union
Radcliff, KY · Credit union · NCUA · $2.6 billion assets · 1,405 loans in 2025
Abound Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,405
loans originated, 2025
2,185
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Abound Federal Credit Union, a Kentucky credit union, grew its lending 24% in 2025, faster than most similar lenders, and gained share in Elizabethtown, where it ranked 2 of 193 lenders.
Originations rose 24% to 1,405, against 8% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, higher than more than eight in ten of them. Volume was still below the 1,726 loans it made in 2020.
Its share rose 1.0 points to 8.5% in Elizabethtown, KY, where only United Wholesale Mortgage ranked higher. In Bowling Green, KY its share rose 0.6 points to 2.8%, ranking 10 of 250, and in Louisville it ranked 30 of 510 with 1.0%. It has lent in all three markets since 2004 or 2005.
Home purchases were 34.0% of its loans, refinances 31.8%, home improvement 24.8% and other purposes 9.3%. Its typical loan, $145,000, was larger than at about seven in ten similar lenders, where it was $105,000.
LMI (low- and moderate-income) borrowers took 18.5% of its loans, against 27.2% at similar lenders, lower than more than eight in ten of them. Its share in majority-minority areas, 1.1% against 10.0%, was among the lowest tenth. The make-up of the Kentucky markets it mainly serves and its larger loans are possible reasons; its share in LMI areas, 14.4%, was close to peers' 14.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Abound Federal Credit Union took 2,185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.0% · Refinance 31.8% · Home improvement 24.8% · Other 9.3%
Conventional 98.8% · VA 1.2% · of 1,405 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 | 1,387 | 98.7% |
| Indiana | 15 | 1.1% |
| Florida | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elizabethtown | 431 |
| Louisville/Jefferson County | 416 |
| Bowling Green | 171 |
| Owensboro | 16 |
| Lexington-Fayette | 8 |
| Cincinnati | 2 |
| Indianapolis-Carmel-Greenwood | 2 |
| Clarksville | 1 |
| Evansville | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LEJ4HP6RMWD374 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 250186 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57000 | 2004–2017 |
Established 1 January 1950. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Abound Federal Credit Union's data.
Abound Federal Credit Union's data
$215
Abound 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.
Buy Abound Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]