The Health and Education Federal Credit Union
The Health and Education Federal Credit Union received 65 applications in 2025 and made 56 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $70,000. Of 62 decisions, 6 were denials — 9.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900DNIQ7KXCPZFR45 |
|---|---|
| Applications received | 65 |
| Mortgages made | 56 |
| Denied | 6 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0 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 | 10 | 5.750% | $285,000 | 0.0% |
| Other purposes | 46 | 7.250% | $55,000 | 11.5% |
Where The Health and Education Federal Credit Union lends most
The 10 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 | 37 | 7.250% | 9.8% |
| Jessamine County, KY | 7 | Under 10 loans | 0.0% |
| Clark County, KY | 3 | Under 10 loans | 0.0% |
| Scott County, KY | 3 | Under 10 loans | 0.0% |
| Garrard County, KY | 2 | Under 10 loans | 0.0% |
| Woodford County, KY | 2 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Lawrence County, KY | 1 | Under 10 loans | 0.0% |
| Anderson County, KY | 0 | Under 10 loans | 100.0% |
| Madison County, KY | 0 | Under 10 loans | Not published |
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When The Health and Education Federal 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.