Gaining at home
In Huntington-Ashland, KY-OH-WV, its largest market, its share rose to 2.3% from 2.1%. It has lent there since 1994. City National Bank of West Virginia leads the market.
Applications / Mortgage Analytics / Lenders / Kentucky / Members Choice Credit Union
Members Choice Credit Union
Ashland, KY · Credit union · NCUA · $422 million assets · 167 loans in 2025
Members Choice Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
167
loans originated, 2025
248
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members Choice Credit Union is a fixture of the Huntington-Ashland market, where it ranks 13 of 237 lenders and gained share in 2025.
Mostly home buyers
Purchases made up 47.9% of its loans and refinances 34.7%. All were conventional. Its typical loan jumped to $125,000 from $75,000, above the $105,000 at similar lenders, which are credit unions making between half and twice as many loans.
Recovering from a low
It made 167 loans, up 14%. Similar lenders grew 7% and the whole market 10%. That is still well below the 286 it made in 2020; it fell to 147 in 2024, and the data do not show why.
Few loans in poorer areas
Low- and moderate-income (LMI) neighborhoods took 10.8% of its loans, against 17.3% at similar lenders, lower than about four in five of them. It made no loans in majority-minority neighborhoods, where peers made 10.6% of theirs. The make-up of the areas it serves around Ashland may explain both. LMI borrowers took 27.7% of its loans, near the middle of its peers.
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
167 loans in 2025, against a peak of 286 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Members Choice Credit Union took 248 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
47.9% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 47.9% · Refinance 34.7% · Home improvement 10.2% · Other 7.2%
Conventional 100.0% · of 167 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
5 states, 4 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 140 | 83.8% |
| Ohio | 21 | 12.6% |
| West Virginia | 4 | 2.4% |
| South Carolina | 1 | 0.6% |
| Tennessee | 1 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 153 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Knoxville | 1 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VI8UYZW0WTE611 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 792695 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562026 | 1994–2017 |
Established 1 January 1932. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Members Choice Credit Union's data.
The data and the software behind these pages
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