Applications / Mortgage Analytics / Lenders / Kentucky / Members Heritage Credit Union
Lexington, KY · Credit union · NCUA · $564 million assets · 162 loans in 2025
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162
loans originated, 2025
193
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members Heritage Credit Union lends less for refinancing than for almost anything else: barely one loan in twelve, 8.0%, refinanced a mortgage in 2025.
Other purposes made up 35.2% of its loans, purchases 32.1% and home improvement 24.7%. Nearly all, 98.1%, were conventional. Its typical loan rose to $110,000 from $65,000, close to the $105,000 at similar lenders (credit unions making between half and twice as many loans).
It made 162 loans, 16% fewer than in 2024, while similar lenders grew 8%. Yet its dollar volume rose from $17.9 million to $23.6 million. Its typical loan grew by about two-thirds, which may explain how fewer loans added up to more money. Its loans peaked at 318 in 2021.
Borrowers with low or moderate incomes (LMI) took 29.8% of its loans, near the middle of similar lenders. Majority-minority areas took 6.2%, against 10.8%, which may reflect the Kentucky areas it serves. Its typical rate, 6.50%, was lower than the 6.75% at similar lenders.
In Lexington-Fayette, KY, where it has lent since at least 1990, it ranked 53 of 389 lenders with 0.4% of the market, unchanged from 2024. Guardian Savings Bank and Rocket Mortgage lead 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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Members Heritage Credit Union took 193 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.2% · Purchase 32.1% · Home improvement 24.7% · Refinance 8.0%
Conventional 98.1% · FHA 1.9% · of 162 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 | 156 | 96.3% |
| Indiana | 2 | 1.2% |
| New Mexico | 1 | 0.6% |
| Ohio | 1 | 0.6% |
| Tennessee | 1 | 0.6% |
| Texas | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 109 |
| Cincinnati | 2 |
| Bowling Green | 1 |
| Elizabethtown | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Huntington-Ashland | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Knoxville | 1 |
| Louisville/Jefferson County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YSLPB4FWL34Z59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 47788 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513638 | 1990–2014 |
| Respondent ID (the HMDA filer code before 2018) | 568661 | 2015–2017 |
Established 1 January 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Members Heritage Credit Union's data.
Members Heritage Credit Union's data
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Members Heritage 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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