Applications / Mortgage Analytics / Lenders / Kentucky / Transcend Credit Union
Louisville, KY · Credit union · NCUA · $572 million assets · 70 loans in 2025
Transcend Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
70
loans originated, 2025
115
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Transcend Credit Union makes far bigger loans than similar credit unions, and its lending recovered in 2025, though it remains a fraction of its 2021 peak.
Its typical loan was $300,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That is higher than at more than nine in ten. Every loan was a purchase or a refinance, with purchases at 61.4%; it made no home-improvement loans.
It made 70 loans, up 46% from 48, while similar lenders grew 7%. But in 2020 it made 322 and in 2021 405, before falling to 37 in 2023. The figures do not say why the volume fell so far.
Only 11.4% of its loans went to low- and moderate-income (LMI) borrowers, against 30.9% at similar lenders, among the lowest tenth. In LMI neighborhoods it was 5.9% against 17.2%. Its much larger loans may account for much of the gap.
Its Louisville share held at 0.2%, ranking 88 of 510; United Wholesale Mortgage and Rocket Mortgage lead. It has lent there since at least 1990. Its market figures include Members First Federal Credit Union, with which it merged in 2006.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Transcend Credit Union took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.4% · Refinance 38.6%
Conventional 100.0% · of 70 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 | 67 | 95.7% |
| Indiana | 3 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 67 |
| Lexington-Fayette | 2 |
| Owensboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OCBGBM6IS0J130 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 607294 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523541 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568666 | 2016–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Transcend Credit Union's data.
Transcend Credit Union's data
$215
Transcend 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.
Buy Transcend Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]