# ASHLAND Credit Union

> **Canonical URL:** https://saferate.com/lenders/ashland-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ASHLAND Credit Union is a credit union, headquartered in ASHLAND, KY, serving borrowers across 12 states, with 33 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZUA8339ZH6W934
- **Headquarters:** ASHLAND, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** CO, FL, IN, KY, MN, MO, NC, OH, TN, VA, WV, WY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.755%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,151
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 33
- **Dollar Volume:** $6 million
- **Applications Received:** 63
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $185,303
- **Average Borrower Income:** $110,121
- **Average Property Value:** $259,545

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 30 | +0.749% | $1,229 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 22 | $4M | +0.615% | Acceptable 🙂 |
| Refinance | 21/100 | 11 | $2M | +0.997% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 15 | 0.03% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Huntington |  | 19 | 60/100 |

## Where This Lender Ranks

ASHLAND Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Huntington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does ASHLAND Credit Union offer?

ASHLAND Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ASHLAND Credit Union offer mortgages?

ASHLAND Credit Union offers mortgages in 12 states: CO, FL, IN, KY, MN, MO, NC, OH, TN, VA, WV, WY.

### How competitive are ASHLAND Credit Union's mortgage rates?

ASHLAND Credit Union has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.755% above market average.

### What type of lender is ASHLAND Credit Union?

ASHLAND Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in ASHLAND, KY.

### What is ASHLAND Credit Union's loan approval success rate?

ASHLAND Credit Union has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ashland-credit-union

### How to Cite

> "ASHLAND Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ashland-credit-union

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