Applications / Mortgage Analytics / Lenders / Kentucky / The Health and Education Federal Credit Union
Lexington, KY · Credit union · NCUA · $121 million assets · 56 loans in 2025
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56
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Health and Education Federal Credit Union lends mostly to members improving homes they already own: home-improvement and other-purpose loans made up more than four in five of its 56 loans in 2025.
Home improvement accounted for 46.4% of its loans and other purposes for 35.7%. Purchases made up the rest, and it made no refinances. Its typical loan was $70,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Its loans rose 24%, from 45 to 56, faster than about seven in ten similar lenders, whose loans rose 7%; the whole market grew 10%. It filed no report for 2018 to 2021, a gap in the record rather than years without lending. In Lexington, its home market since 1991, it ranks 106 of 389 lenders.
Some 26.8% of its loans went to low- and moderate-income (LMI) tracts, against 17.4% at similar lenders, more than about three-quarters of them. LMI borrowers took 37.5%, against 30.9%. With 56 loans, a few loans move these shares by several points.
Its typical rate was 7.00%, a little above the 6.74% of similar lenders, which its home-improvement lending may explain. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.0% at similar lenders.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The Health and Education Federal Credit Union took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.4% · Other 35.7% · Purchase 17.9%
Conventional 100.0% · of 56 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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 52 |
| Huntington-Ashland | 1 |
| Louisville/Jefferson County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DNIQ7KXCPZFR45 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 211280 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510800 | 1991–2016 |
Established 1 January 1956. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: The Health and Education Federal Credit Union's data.
The Health and Education Federal Credit Union's data
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The Health and Education 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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