A home-improvement lender
Home improvement accounted for 71.9% of its 32 loans and other purposes for 25.0%. It made a single refinance and no purchase loans. Every loan was conventional, with no government guarantee.
Applications / Mortgage Analytics / Lenders / Kentucky / Autotruck Financial Credit Union
Autotruck Financial Credit Union
Louisville, KY · Credit union · NCUA · $210 million assets · 32 loans in 2025
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32
loans originated, 2025
60
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Autotruck Financial Credit Union, a Louisville credit union with $210 million in assets, makes mostly small home-improvement loans: 32 of them in 2025.
Small loans
Its typical loan was $40,000, smaller than at almost all similar lenders (credit unions making between half and twice as many loans), where it was $95,000. That fits a book made up mostly of home-improvement loans.
A patchy record
It made 32 loans in 2025, against 18 in 2024 and 33 in 2023. It filed no report for 2018 to 2022; those years are gaps in the record, not years without lending. Its record in the public data runs back to 1990.
Close to home
It lent in 2 states and 10 counties, mostly in Kentucky. In Louisville, its largest market, it ranked 271 of 510 lenders; United Wholesale Mortgage and Rocket Mortgage lead there. With so few loans, its shares of lending to particular borrowers or neighborhoods say little.
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, 2023–2025
32 loans in 2025, against a peak of 33 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Autotruck Financial Credit Union took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
71.9% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 71.9% · Other 25.0% · Refinance 3.1%
Conventional 100.0% · of 32 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
2 states, 2 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 30 | 93.8% |
| Indiana | 2 | 6.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 27 |
| Bowling Green | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930023BNS4HPJ4WJ61 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 770488 | 2004–2015 |
| Respondent ID (the HMDA filer code before 2018) | 516606 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 568617 | 2011–2015 |
Established 1 January 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Autotruck Financial Credit Union's data.
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