TRANSCEND Federal Credit Union
TRANSCEND Federal Credit Union received 115 applications in 2025 and made 70 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $300,000. Of 92 decisions, 9 were denials — 9.8%.
| Legal Entity Identifier | 549300OCBGBM6IS0J130 |
|---|---|
| Applications received | 115 |
| Mortgages made | 70 |
| Denied | 9 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 43 | Not published | $305,000 | 0.0% |
| Refinancing | 15 | Not published | $355,000 | 15.0% |
| Cash-out refinancing | 12 | Not published | $230,000 | 30.0% |
Where TRANSCEND Federal Credit Union lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, KY | 48 | Not published | 8.1% |
| Oldham County, KY | 8 | Under 10 loans | 0.0% |
| Bullitt County, KY | 5 | Under 10 loans | 0.0% |
| Floyd County, IN | 2 | Under 10 loans | 40.0% |
| Shelby County, KY | 2 | Under 10 loans | 33.3% |
| Clark County, IN | 1 | Under 10 loans | 0.0% |
| Daviess County, KY | 1 | Under 10 loans | 0.0% |
| Scott County, KY | 1 | Under 10 loans | 0.0% |
| Spencer County, KY | 1 | Under 10 loans | 0.0% |
| Woodford County, KY | 1 | Under 10 loans | 0.0% |
| Henry County, KY | 0 | Under 10 loans | 100.0% |
| Mercer County, KY | 0 | Under 10 loans | Not published |
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When TRANSCEND 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.