# MEMBERS HERITAGE Credit Union

> **Canonical URL:** https://saferate.com/lenders/members-heritage-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


MEMBERS HERITAGE Credit Union is a credit union, headquartered in Lexington, KY, with 40 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YSLPB4FWL34Z59
- **Headquarters:** Lexington, KY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** KY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.244%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,357
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 40
- **Dollar Volume:** $8 million
- **Applications Received:** 45
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $188,250
- **Average Borrower Income:** $91,350
- **Average Property Value:** $301,250

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 40 | -0.244% | $2,357 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 25/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 28 | $6M | -0.344% | Acceptable 🙂 |
| Refinance | 34/100 | 12 | $2M | -0.008% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 40 | 0.09% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lexington | KY | 23 | 64/100 |
| Non |  | 14 | 35/100 |

## Where This Lender Ranks

MEMBERS HERITAGE Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does MEMBERS HERITAGE Credit Union offer?

MEMBERS HERITAGE 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 MEMBERS HERITAGE Credit Union offer mortgages?

MEMBERS HERITAGE Credit Union offers mortgages in 1 states: KY.

### How competitive are MEMBERS HERITAGE Credit Union's mortgage rates?

MEMBERS HERITAGE Credit Union has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.244% below market average.

### What type of lender is MEMBERS HERITAGE Credit Union?

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

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

MEMBERS HERITAGE Credit Union has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/members-heritage-credit-union

### How to Cite

> "MEMBERS HERITAGE Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/members-heritage-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/members-heritage-credit-union)**