Lender in Kentucky · HMDA 2025
L & N Federal Credit Union mortgages in Kentucky
L & N Federal Credit Union's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
L & N Federal Credit Union originated 518 owner-occupied single-family loans in Kentucky from 553 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $2,580 versus $4,000 for all Kentucky lenders.
Loans in KY
518
of 553 applications
Denial rate
3.1%
Purchase · KY 8.2%
Rate spread
+0.20 pts
Conv. · KY +0.21 pts
Loan amount
$235,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 357 | 343 | 3.1% | — | +0.20 pts | $2,580 | $235,000 |
| Refinance | 80 | 69 | 13.8% | — | +0.07 pts | $1,870 | $165,000 |
| Cash-out refinance | 116 | 106 | 8.6% | — | +0.10 pts | $1,940 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where L & N Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Laurel County | 1 | 55 | 10.5% |
| Knox County | 1 | 15 | 9.8% |
| Whitley County | 2 | 29 | 11.8% |
| Pulaski County | 4 | 45 | 6.9% |
| Bullitt County | 6 | 49 | 3.1% |
| McCreary County | 8 | 4 | 2.6% |
| Clay County | 9 | 3 | 4.8% |
| Rockcastle County | 10 | 3 | 3.0% |
| Russell County | 10 | 3 | 2.3% |
| Oldham County | 11 | 22 | 1.8% |
| Jackson County | 11 | 2 | 2.9% |
| Washington County | 12 | 3 | 2.8% |
| Jefferson County | 14 | 185 | 1.6% |
| Grant County | 19 | 5 | 1.5% |
| Henry County | 19 | 3 | 1.4% |
| Nelson County | 23 | 9 | 1.1% |
| Harlan County | 25 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology