Applications / Mortgage Analytics / Lenders / Kentucky / Ashland Credit Union
Ashland, KY · Credit union · NCUA · $409 million assets · 45 loans in 2025
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45
loans originated, 2025
126
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ashland Credit Union, in eastern Kentucky, reported only refinances in 2025, and its 45 loans were 69% fewer than in 2024.
It made 45 loans, down from 147, while similar lenders (credit unions making between half and twice as many loans) made 3% more. Almost none of them fell as far. Every loan it reported was a refinance. It may have changed what it made or what it reported; the data alone cannot say which. Whether it stopped making purchase and other loans is the obvious open question.
In Huntington-Ashland its share fell 0.7 points, to 0.2%, and it ranked 65 of 237 lenders; City National Bank of West Virginia led. The drop came with the fall in its own loan count.
Its typical loan was $75,000, against $95,000 at peers, and its typical rate 6.62%, against 6.75%. All its loans were conventional.
Low- and moderate-income (LMI) borrowers took 22.2% of its loans, against 31.1% at peers, and LMI neighborhoods 8.9%, against 17.4%. On 45 loans, a few loans move these shares, and borrowers who refinance may differ from buyers. Its loans reached nine states, a wide spread for so few.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ashland Credit Union took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 100.0%
Conventional 100.0% · of 45 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 | 26 | 57.8% |
| Minnesota | 5 | 11.1% |
| West Virginia | 4 | 8.9% |
| Ohio | 3 | 6.7% |
| Georgia | 2 | 4.4% |
| Tennessee | 2 | 4.4% |
| Florida | 1 | 2.2% |
| Kansas | 1 | 2.2% |
| North Carolina | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 29 |
| Minneapolis-St. Paul-Bloomington | 5 |
| Lexington-Fayette | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Dalton | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZUA8339ZH6W934 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 695497 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561792 | 1994–2017 |
Established 1 January 1942. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Ashland Credit Union's data.
Ashland Credit Union's data
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Ashland 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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