ASHLAND Credit Union
ASHLAND Credit Union received 126 applications in 2025 and made 45 mortgages, in 41 counties across 15 states. The median rate its borrowers got was 6.625% on a median loan of $75,000. Of 109 decisions, 58 were denials — 53.2%, most often for credit history.
| Legal Entity Identifier | 549300ZUA8339ZH6W934 |
|---|---|
| Applications received | 126 |
| Mortgages made | 45 |
| Denied | 58 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.138 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 43 | 6.750% | $75,000 | 53.8% |
Where ASHLAND Credit Union lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greenup County, KY | 15 | 6.500% | 43.3% |
| Boyd County, KY | 6 | Under 10 loans | 71.4% |
| Washington County, MN | 5 | Under 10 loans | 0.0% |
| Wayne County, WV | 3 | Under 10 loans | 25.0% |
| Carter County, KY | 2 | Under 10 loans | 50.0% |
| Fayette County, KY | 2 | Under 10 loans | 0.0% |
| Lawrence County, OH | 2 | Under 10 loans | 71.4% |
| Sumner County, TN | 2 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Jeff Davis County, GA | 1 | Under 10 loans | 0.0% |
| Murray County, GA | 1 | Under 10 loans | 0.0% |
| Chase County, KS | 1 | Under 10 loans | 0.0% |
| Harlan County, KY | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Scioto County, OH | 1 | Under 10 loans | 0.0% |
| Cabell County, WV | 1 | Under 10 loans | 0.0% |
| Delta County, CO | 0 | Under 10 loans | 100.0% |
| Hernando County, FL | 0 | Under 10 loans | Not published |
| Elliott County, KY | 0 | Under 10 loans | 100.0% |
| Estill County, KY | 0 | Under 10 loans | 100.0% |
| Lawrence County, KY | 0 | Under 10 loans | 100.0% |
| Lewis County, KY | 0 | Under 10 loans | 100.0% |
| Madison County, KY | 0 | Under 10 loans | 100.0% |
| Rowan County, KY | 0 | Under 10 loans | 100.0% |
| Allegan County, MI | 0 | Under 10 loans | 100.0% |
| Perry County, MO | 0 | Under 10 loans | 100.0% |
| Columbiana County, OH | 0 | Under 10 loans | Not published |
| Delaware County, OH | 0 | Under 10 loans | 100.0% |
| Franklin County, OH | 0 | Under 10 loans | 0.0% |
| Ross County, OH | 0 | Under 10 loans | 100.0% |
| Stafford County, VA | 0 | Under 10 loans | 100.0% |
| Barbour County, WV | 0 | Under 10 loans | 100.0% |
| Boone County, WV | 0 | Under 10 loans | 100.0% |
| Logan County, WV | 0 | Under 10 loans | 100.0% |
| Mingo County, WV | 0 | Under 10 loans | Not published |
| Monongalia County, WV | 0 | Under 10 loans | 100.0% |
| Raleigh County, WV | 0 | Under 10 loans | 100.0% |
| Wyoming County, WV | 0 | Under 10 loans | Not published |
| St. Croix County, WI | 0 | Under 10 loans | 0.0% |
| Campbell County, WY | 0 | Under 10 loans | 100.0% |
| Weston County, WY | 0 | Under 10 loans | 100.0% |
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When ASHLAND Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.