L & N Federal Credit Union
L & N Federal Credit Union received 2,146 applications in 2025 and made 1,668 mortgages, in 79 counties across 7 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 1,862 decisions, 162 were denials — 8.7%, most often for credit history.
| Legal Entity Identifier | 549300OHIEQGELZVJP60 |
|---|---|
| Applications received | 2,146 |
| Mortgages made | 1,668 |
| Denied | 162 |
| Approved, not taken up | 32 |
| Withdrawn or incomplete | 284 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2355 points |
| 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 | 433 | 6.750% | $225,000 | 3.1% |
| Refinancing | 178 | 7.000% | $125,000 | 16.7% |
| Cash-out refinancing | 268 | 7.000% | $115,000 | 16.8% |
| Other purposes | 789 | 7.500% | $65,000 | 6.5% |
Where L & N Federal Credit Union lends most
The 50 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 | 607 | 7.000% | 9.0% |
| Laurel County, KY | 149 | 7.000% | 6.8% |
| Bullitt County, KY | 143 | 7.000% | 11.1% |
| Pulaski County, KY | 114 | 7.000% | 7.3% |
| Oldham County, KY | 89 | 7.000% | 6.3% |
| Clark County, IN | 82 | 7.000% | 11.5% |
| Whitley County, KY | 74 | 7.063% | 7.5% |
| Kenton County, KY | 51 | 7.000% | 11.7% |
| Boone County, KY | 45 | 7.000% | 6.1% |
| Floyd County, IN | 36 | 7.000% | 7.5% |
| Knox County, KY | 35 | 7.000% | 5.1% |
| Nelson County, KY | 30 | 7.188% | 0.0% |
| Spencer County, KY | 22 | 7.188% | 18.5% |
| Shelby County, KY | 17 | 7.000% | 0.0% |
| Grant County, KY | 15 | 7.375% | 6.3% |
| Hardin County, KY | 8 | Under 10 loans | 20.0% |
| Meade County, KY | 8 | Under 10 loans | 0.0% |
| Rockcastle County, KY | 8 | Under 10 loans | 0.0% |
| Harrison County, IN | 7 | Under 10 loans | 12.5% |
| Clay County, KY | 7 | Under 10 loans | 0.0% |
| Russell County, KY | 7 | Under 10 loans | 12.5% |
| Campbell County, KY | 6 | Under 10 loans | 12.5% |
| McCreary County, KY | 6 | Under 10 loans | 12.5% |
| Fayette County, KY | 5 | Under 10 loans | 0.0% |
| Jackson County, KY | 5 | Under 10 loans | 16.7% |
| Lincoln County, KY | 5 | Under 10 loans | 16.7% |
| Wayne County, KY | 5 | Under 10 loans | 0.0% |
| Scott County, IN | 4 | Under 10 loans | 0.0% |
| Edmonson County, KY | 4 | Under 10 loans | 0.0% |
| Henry County, KY | 4 | Under 10 loans | 55.6% |
| Madison County, KY | 4 | Under 10 loans | 0.0% |
| Washington County, KY | 4 | Under 10 loans | 20.0% |
| Bell County, KY | 3 | Under 10 loans | 25.0% |
| Clinton County, KY | 3 | Under 10 loans | 0.0% |
| Hamilton County, OH | 3 | Under 10 loans | 0.0% |
| Anderson County, KY | 2 | Under 10 loans | 0.0% |
| Casey County, KY | 2 | Under 10 loans | 0.0% |
| Garrard County, KY | 2 | Under 10 loans | 0.0% |
| Grayson County, KY | 2 | Under 10 loans | 33.3% |
| Harlan County, KY | 2 | Under 10 loans | 0.0% |
| Hart County, KY | 2 | Under 10 loans | 0.0% |
| Mercer County, KY | 2 | Under 10 loans | 0.0% |
| Pendleton County, KY | 2 | Under 10 loans | 33.3% |
| Taylor County, KY | 2 | Under 10 loans | 0.0% |
| Warren County, KY | 2 | Under 10 loans | 0.0% |
| Butler County, OH | 2 | Under 10 loans | 0.0% |
| Toombs County, GA | 1 | Under 10 loans | 0.0% |
| Boone County, IN | 1 | Under 10 loans | 0.0% |
| Crawford County, IN | 1 | Under 10 loans | 0.0% |
| Dubois County, IN | 1 | Under 10 loans | 0.0% |
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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.