MEMBERS HERITAGE Credit Union
MEMBERS HERITAGE Credit Union received 193 applications in 2025 and made 162 mortgages, in 34 counties across 6 states. The median rate its borrowers got was 6.500% on a median loan of $110,000. Of 171 decisions, 6 were denials — 3.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YSLPB4FWL34Z59 |
|---|---|
| Applications received | 193 |
| Mortgages made | 162 |
| Denied | 6 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.43 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 |
|---|---|---|---|---|
| Home purchase | 52 | 5.750% | $250,000 | 1.8% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 97 | 6.750% | $55,000 | 3.9% |
Where MEMBERS HERITAGE Credit Union lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fayette County, KY | 71 | 6.500% | 4.0% |
| Madison County, KY | 13 | 6.500% | 0.0% |
| Jessamine County, KY | 10 | 6.125% | 8.3% |
| Clark County, KY | 9 | Under 10 loans | 0.0% |
| Scott County, KY | 8 | Under 10 loans | 0.0% |
| Bourbon County, KY | 7 | Under 10 loans | 11.1% |
| Montgomery County, KY | 6 | Under 10 loans | 0.0% |
| Mercer County, KY | 4 | Under 10 loans | 0.0% |
| Woodford County, KY | 4 | Under 10 loans | 0.0% |
| Fleming County, KY | 3 | Under 10 loans | 0.0% |
| Franklin County, KY | 3 | Under 10 loans | 0.0% |
| Rowan County, KY | 3 | Under 10 loans | 0.0% |
| Boyle County, KY | 2 | Under 10 loans | 0.0% |
| Garrard County, KY | 2 | Under 10 loans | 0.0% |
| Hendricks County, IN | 1 | Under 10 loans | 0.0% |
| Putnam County, IN | 1 | Under 10 loans | 0.0% |
| Anderson County, KY | 1 | Under 10 loans | 0.0% |
| Bath County, KY | 1 | Under 10 loans | 0.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Greenup County, KY | 1 | Under 10 loans | 0.0% |
| Hardin County, KY | 1 | Under 10 loans | 0.0% |
| Harrison County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Lee County, KY | 1 | Under 10 loans | 0.0% |
| Warren County, KY | 1 | Under 10 loans | 0.0% |
| Wayne County, KY | 1 | Under 10 loans | 0.0% |
| Wolfe County, KY | 1 | Under 10 loans | 0.0% |
| Eddy County, NM | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Loudon County, TN | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Greene County, IN | 0 | Under 10 loans | 100.0% |
| Menifee County, KY | 0 | Under 10 loans | Not published |
| McMinn County, TN | 0 | Under 10 loans | Not published |
Get told when this changes
When MEMBERS HERITAGE 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.