Applications / Mortgage Analytics / Lenders / Kentucky / Park Community Credit Union
Louisville, KY · Credit union · NCUA · $1.4 billion assets · 588 loans in 2025
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588
loans originated, 2025
878
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Park Community Credit Union is a Louisville credit union with a broad mix of refinance, purchase and home-improvement loans, and more of its lending in LMI (low- and moderate-income) areas than nine in ten similar lenders.
LMI areas took 23.4% of its loans, against 15.1% at similar lenders (credit unions making between half and twice as many loans), higher than about nine in ten of them. LMI borrowers took 30.9%, against 27.1%. Majority-minority areas took 13.6%, near the middle of its peers.
Originations fell 7% to 588, while similar lenders grew 6% and the whole market 10%. It made 1,294 loans in 2022 and 1,011 in 2020. The fact pack does not show why; it may reflect fewer applications in Louisville, where its share also fell, or competition from the national lenders that lead there.
Refinances were 37.1% of its loans, purchases 26.4%, home improvement 25.0% and other purposes 11.6%. Every loan was conventional, and its typical loan was $105,000, the same as at similar lenders.
In Louisville/Jefferson County, where it has lent since before 1990, it ranked 36 of 510 lenders with 0.7% of the market, down from 0.9%; United Wholesale Mortgage and Rocket Mortgage led. Its share fell as its own loans fell while the market grew. In Lexington-Fayette its share held at 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Park Community Credit Union took 878 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.1% · Purchase 26.4% · Home improvement 25.0% · Other 11.6%
Conventional 100.0% · of 588 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 | 505 | 85.9% |
| Indiana | 83 | 14.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 472 |
| Lexington-Fayette | 39 |
| Cincinnati | 3 |
| Elizabethtown | 3 |
| Bowling Green | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Owensboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AZBM8V8SE0IT33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 751085 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510197 | 1990–2014 |
| Respondent ID (the HMDA filer code before 2018) | 568644 | 2015–2017 |
Established 1 January 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Park Community Credit Union's data.
Park Community Credit Union's data
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Park Community 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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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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