Applications / Mortgage Analytics / Lenders / Kentucky / Service One Credit Union
Bowling Green, KY · Credit union · NCUA · $265 million assets · 33 loans in 2025
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33
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Service One Credit Union, a Bowling Green lender since 2004, made 33 home loans in 2025, a third of its 2024 count and its fewest since at least 2018.
Its loans fell 67%, from 99 to 33. Similar lenders, credit unions making between half and twice as many loans, held steady, and the whole market grew 10%. The decline began after 2022, when it made 179 loans. The figures do not show why; it may have chosen to lend less, or demand from members in its one market may have eased.
Every loan was conventional, with no government backing, as at most similar lenders. Purchases made up 57.6% of its loans and refinances 42.4%; it reported no home-improvement or other-purpose loans in 2025. Its typical loan was $195,000, against $75,000 a year earlier, but on 33 loans that jump is too small a sample to read much into.
Its main market is the Bowling Green area, where its share of lending fell from 0.7% to 0.4% and it ranked 46th of 250 lenders. American Bank & Trust Company led that market. Its smaller share follows directly from making fewer loans.
Low- and moderate-income borrowers took 25.8% of its loans, a little below the 31.6% at the typical similar lender. Its share in low- and moderate-income neighborhoods, 18.2%, was near theirs. With so few loans, neither gap means much.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Service One Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.6% · Refinance 42.4%
Conventional 100.0% · of 33 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 | 33 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bowling Green | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J2D35S72FE4K21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 608899 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562484 | 2004–2017 |
Established 1 January 1963. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Service One Credit Union's data.
Service One Credit Union's data
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Service One 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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