Applications / Mortgage Analytics / Lenders / Kentucky / Class ACT Federal Credit Union
Louisville, KY · Credit union · NCUA · $342 million assets · 138 loans in 2025
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138
loans originated, 2025
222
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Class ACT Federal Credit Union, of Louisville, KY, lends far more in poorer neighborhoods than most credit unions of its size, and its lending rose 31% in 2025.
Low- and moderate-income (LMI) neighborhoods took 30.6% of its loans, against 17.2% at similar lenders, credit unions making between half and twice as many loans. That share is higher than at about nine in ten of them, and up from 17.1% five years before. Majority-minority neighborhoods took 14.1%, against 9.8%.
Its loans rose to 138 from 105, while similar lenders grew 9%. The count had fallen every year from 240 in 2020, so 2025 recovered only part of the lost ground.
Its typical loan, $75,000, was lower than the $105,000 at similar lenders. Purchases were only 37.7% of its loans. Other purposes took 34.1%, and 9.4% were recorded as purpose not applicable. That large other-purpose share may explain part of the small loan size. What the not-applicable loans are is an open question.
In Louisville/Jefferson County, IN-KY, a market it has served since at least 1990, it ranked 105 of 510 lenders, with 0.2% of the market, up from 0.1%. It has lent in Bowling Green, KY since 2017, with a very small share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Class ACT Federal Credit Union took 222 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.7% · Other 34.1% · Refinance 15.2% · Not applicable 9.4% · Home improvement 3.6%
Conventional 100.0% · of 138 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 | 129 | 93.5% |
| Indiana | 6 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 133 |
| Bowling Green | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VNVP1PTYHESA41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 371586 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59106 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Class ACT Federal Credit Union's data.
Class ACT Federal Credit Union's data
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Class ACT 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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