LEI 549300VNVP1PTYHESA41 · Louisville, KY
Class Act Federal Credit Union
Origination share is high-tercile at 89.0% - more of this lender's applications funded than at most reporters with 100+ apps.
Origination-share tercile vs fleet
Class Act Federal Credit Union converts 89.0% of applications into originations, above the fleet share tercile (~75.7%). Originated-loan volume is 105.
- n/a
- Below 1,000-app share board
- 89.0%
- Origination share
- 105
- Originated
- 7.6%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
118reported applications
Where Class Act Federal Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
105 42nd percentile higher than 42% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Class Act Federal Credit Un…
Application volume by HMDA loan type in this lender's 2024 book.
Mid-volume reporter. Class Act Federal Credit Union's 89.0% origination rate and 7.6% denial rate sit on a mid-tercile originated book (105 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Program weight concentrates in Conventional (118 applications).
How to read Class Act Federal Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Class Act Federal Credit Un…
Class Act Federal Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 118 | 105 | 9 | $76,780 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Class Act Federal Credit Union (LEI: 549300VNVP1PTYHESA41) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Cash-out Refinancing | 58 | 55 | $73,621 |
| Refinancing | 35 | 28 | $63,857 |
| Home Purchase | 14 | 12 | $147,143 |
| Home Improvement | 7 | 7 | $37,857 |
| Other | 4 | 3 | $57,500 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 75 | 89.3% | 6.7% |
| Black or African American * | 34 | 91.2% | 8.8% |
| Joint * | 4 | 100.0% | 0.0% |
| American Indian or Alaska Native * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 94 | 92.5% | 5.3% |
| Hispanic or Latino * | 13 | 76.9% | 15.4% |
| Joint * | 4 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in KY
Other HMDA-reporting lenders in KY with similar activity. Compare any two side-by-side.
One of 84 other HMDA-reporting lenders in KY, 5 are shown here.
Stockton Mortgage Corporation
FRANKFORT, KY
Liberty Federal Credit Union
Louisville, KY
Farm Credit Mid-America, Aca
LOUISVILLE, KY
Magnolia Bank
Elizabethtown, KY
Republic Bank & Trust
LOUISVILLE, KY
Read with Class Act Federal Credit Union
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Class Act Federal Credit Union (LEI 549300VNVP1PTYHESA41).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Class Act Federal Credit Union.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Class Act Federal Credit Union page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.