L & N Federal Credit Union in Kentucky vs the state
7.5%Denial rate-11.35 pts vs state
8.6%Decision denial rate-14.87 pts vs state
77.7%Origination rate+19.62 pts vs state
7.00%Median rate+0.25 pts vs state
0.24Rate spread (pts)-0.08 pts vs state
$90kMedian applicant income
1,519Loans originated
146Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,526 | 1,168 | 5.6% | 8.25% | #21 |
| 2024 | 1,563 | 1,185 | 8.2% | 8.00% | #25 |
| 2025 | 1,956 | 1,519 | 7.5% | 7.00% | #21 |
What L & N Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most L & N Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 794 | 607 | 61 | 7.7% |
| Laurel County | 191 | 149 | 11 | 5.8% |
| Bullitt County | 176 | 143 | 18 | 10.2% |
| Pulaski County | 138 | 114 | 9 | 6.5% |
| Oldham County | 104 | 89 | 6 | 5.8% |
| Whitley County | 100 | 74 | 6 | 6.0% |
| Kenton County | 70 | 51 | 7 | 10.0% |
| Boone County | 55 | 45 | 3 | 5.5% |
| Knox County | 47 | 35 | 2 | 4.3% |
| Nelson County | 34 | 30 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,956 applications in 2025, of which 1,519 were originated and 146 denied.
7.5% of all applications, or 8.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans L & N Federal Credit Union originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are L & N Federal Credit Union's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology