Service One Credit Union, Inc.
Service One Credit Union, Inc. received 50 applications in 2025 and made 33 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 6.375% on a median loan of $195,000. Of 40 decisions, 5 were denials — 12.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300J2D35S72FE4K21 |
|---|---|
| Applications received | 50 |
| Mortgages made | 33 |
| Denied | 5 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.905 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 | 19 | 6.750% | $195,000 | 8.7% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 11 | 6.000% | $195,000 | 21.4% |
Where Service One Credit Union, Inc. lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Warren County, KY | 11 | 6.125% | 7.7% |
| Barren County, KY | 7 | Under 10 loans | 11.1% |
| Allen County, KY | 5 | Under 10 loans | 0.0% |
| Edmonson County, KY | 4 | Under 10 loans | 0.0% |
| Logan County, KY | 2 | Under 10 loans | 50.0% |
| Boyle County, KY | 1 | Under 10 loans | 0.0% |
| Lyon County, KY | 1 | Under 10 loans | 0.0% |
| Muhlenberg County, KY | 1 | Under 10 loans | 0.0% |
| Simpson County, KY | 1 | Under 10 loans | 0.0% |
| Butler County, KY | 0 | Under 10 loans | Not published |
| Todd County, KY | 0 | Under 10 loans | 100.0% |
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When Service One Credit Union, Inc.’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.