L&N Federal Credit Union Mortgage Lending & HMDA Data, 2011
In 2011, L&N Federal Credit Union of Louisville, KY reported 1,147 mortgage applications totaling $134.5 million, down 8% from 2010. The average application was for $117,294, and applicants reported an average income of $76,409. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (499), Cincinnati-Middletown, OH-KY-IN (82) and Elizabethtown, KY (4) (applications in parentheses).
| Mortgage Company & Address | L&N Federal Credit Union 9265 Smyrna Parkway Louisville, KY 40229 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,147 |
| Total Mortgage Loan Application Amount | $134,537,000 |
| Average Mortgage Loan Application Amount | $117,294 |
| Highest Mortgage Loan Application Amount | $1,284,000 |
| Average Applicant Income | $76,409 |
| Highest Applicant Income | $2,390,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records L&N Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson, Kentucky | 407 | $ 49,568,000 | $ 121,788 | $ 80,000 |
| Laurel, Kentucky | 119 | $ 12,194,000 | $ 102,470 | $ 67,000 |
| Whitley, Kentucky | 93 | $ 10,070,000 | $ 108,279 | $ 78,000 |
| Knox, Kentucky | 45 | $ 4,702,000 | $ 104,488 | $ 65,000 |
| Bullitt, Kentucky | 41 | $ 5,775,000 | $ 140,853 | $ 81,000 |
| Kenton, Kentucky | 37 | $ 4,075,000 | $ 110,135 | $ 65,000 |
| Boone, Kentucky | 29 | $ 3,853,000 | $ 132,862 | $ 85,000 |
| Pulaski, Kentucky | 28 | $ 2,957,000 | $ 105,607 | $ 61,000 |
| Clark, Indiana | 24 | $ 3,035,000 | $ 126,458 | $ 192,000 |
| Oldham, Kentucky | 19 | $ 4,233,000 | $ 222,789 | $ 103,000 |
| Floyd, Indiana | 16 | $ 2,061,000 | $ 128,812 | $ 103,000 |
| Clay, Kentucky | 9 | $ 953,000 | $ 105,888 | $ 84,000 |
| Spencer, Kentucky | 9 | $ 1,212,000 | $ 134,666 | $ 78,000 |
| Nelson, Kentucky | 8 | $ 891,000 | $ 111,375 | $ 66,000 |
| Campbell, Kentucky | 7 | $ 722,000 | $ 103,142 | $ 49,000 |
| Grant, Kentucky | 6 | $ 813,000 | $ 135,500 | $ 85,000 |
| Gallatin, Kentucky | 5 | $ 468,000 | $ 93,600 | $ 74,000 |
| McCreary, Kentucky | 5 | $ 458,000 | $ 91,600 | $ 73,000 |
| Shelby, Kentucky | 5 | $ 619,000 | $ 123,800 | $ 86,000 |
| Harrison, Indiana | 4 | $ 488,000 | $ 122,000 | $ 95,000 |
| Fayette, Kentucky | 4 | $ 523,000 | $ 130,750 | $ 68,000 |
| Grayson, Kentucky | 4 | $ 363,000 | $ 90,750 | $ 68,000 |
| Hardin, Kentucky | 4 | $ 342,000 | $ 85,500 | $ 72,000 |
| Harlan, Kentucky | 4 | $ 303,000 | $ 75,750 | $ 64,000 |
| Rockcastle, Kentucky | 4 | $ 276,000 | $ 69,000 | $ 51,000 |
| Washington, Indiana | 3 | $ 372,000 | $ 124,000 | $ 79,000 |
| Bell, Kentucky | 3 | $ 518,000 | $ 172,666 | $ 135,000 |
| Breckinridge, Kentucky | 3 | $ 255,000 | $ 85,000 | $ 112,000 |
| Jackson, Kentucky | 3 | $ 446,000 | $ 148,666 | $ 69,000 |
| Meade, Kentucky | 3 | $ 271,000 | $ 90,333 | $ 66,000 |
| Pendleton, Kentucky | 3 | $ 356,000 | $ 118,666 | $ 119,000 |
| Russell, Kentucky | 3 | $ 426,000 | $ 142,000 | $ 69,000 |
| Warren, Kentucky | 3 | $ 433,000 | $ 144,333 | $ 172,000 |
| Volusia, Florida | 2 | $ 288,000 | $ 144,000 | $ 78,000 |
| Caldwell, Kentucky | 2 | $ 85,000 | $ 42,500 | $ 52,000 |
| Clark, Kentucky | 2 | $ 317,000 | $ 158,500 | $ 86,000 |
| Henry, Kentucky | 2 | $ 372,000 | $ 186,000 | $ 103,000 |
| Leslie, Kentucky | 2 | $ 241,000 | $ 120,500 | $ 92,000 |
| Madison, Kentucky | 2 | $ 357,000 | $ 178,500 | $ 109,000 |
| McCracken, Kentucky | 2 | $ 361,000 | $ 180,500 | $ 24,000 |
| Montgomery, Kentucky | 2 | $ 200,000 | $ 100,000 | $ 75,000 |
| Medina, Ohio | 2 | $ 420,000 | $ 210,000 | $ 130,000 |
| Campbell, Tennessee | 2 | $ 220,000 | $ 110,000 | $ 74,000 |
| Claiborne, Tennessee | 2 | $ 478,000 | $ 239,000 | $ 181,000 |
| Bay, Florida | 1 | $ 102,000 | $ 102,000 | $ 132,000 |
| Orange, Florida | 1 | $ 36,000 | $ 36,000 | $ 163,000 |
| Pasco, Florida | 1 | $ 55,000 | $ 55,000 | $ 74,000 |
| Pinellas, Florida | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Sarasota, Florida | 1 | $ 49,000 | $ 49,000 | $ 39,000 |
| Crawford, Indiana | 1 | $ 215,000 | $ 215,000 | $ 111,000 |
| Marion, Indiana | 1 | $ 109,000 | $ 109,000 | $ 36,000 |
| Orange, Indiana | 1 | $ 52,000 | $ 52,000 | $ 70,000 |
| Ripley, Indiana | 1 | $ 104,000 | $ 104,000 | $ 57,000 |
| Scott, Indiana | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Bracken, Kentucky | 1 | $ 166,000 | $ 166,000 | $ 60,000 |
| Carroll, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 45,000 |
| Casey, Kentucky | 1 | $ 24,000 | $ 24,000 | $ 25,000 |
| Edmonson, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Garrard, Kentucky | 1 | $ 54,000 | $ 54,000 | $ 50,000 |
| Letcher, Kentucky | 1 | $ 147,000 | $ 147,000 | $ 64,000 |
| Lincoln, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Mercer, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 19,000 |
| Owsley, Kentucky | 1 | $ 56,000 | $ 56,000 | $ 31,000 |
| Perry, Kentucky | 1 | $ 34,000 | $ 34,000 | $ 60,000 |
| Pike, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 72,000 |
| Trimble, Kentucky | 1 | $ 81,000 | $ 81,000 | $ 87,000 |
| Butler, Ohio | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Franklin, Ohio | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Hamilton, Ohio | 1 | $ 40,000 | $ 40,000 | $ 113,000 |
| Blount, Tennessee | 1 | $ 270,000 | $ 270,000 | $ 19,000 |
| Knox, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 63,000 |
| Washington, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for L&N Federal Credit Union in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 823 | $99,583,000 | $121,000 | $1,284,000 | $82,000 | $2,390,000 |
| Home Purchase | 296 | $32,371,000 | $109,000 | $417,000 | $61,000 | $322,000 |
| Home Improvement | 28 | $2,583,000 | $92,000 | $300,000 | $75,000 | $173,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,037 | $121,254,000 | $116,000 | $1,284,000 | $77,000 | $2,390,000 |
| Black or African American | 58 | $6,108,000 | $105,000 | $260,000 | $53,000 | $113,000 |
| Not Provided | 15 | $1,591,000 | $106,000 | $177,000 | $65,000 | $200,000 |
| Asian | 14 | $1,888,000 | $134,000 | $280,000 | $74,000 | $202,000 |
| Hispanic | 14 | $1,522,000 | $108,000 | $247,000 | $59,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,896,000 | $270,000 | $653,000 | $194,000 | $493,000 |
| American Indian or Alaskan Native | 2 | $278,000 | $139,000 | $174,000 | $74,000 | $90,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,147 | $134,537,000 | $117,000 | $1,284,000 | $76,000 | $2,390,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 767 | $93,282,000 | $121,000 | $1,284,000 | $84,000 | $2,390,000 |
| Application Denied By Financial Institution | 190 | $19,705,000 | $103,000 | $350,000 | $52,000 | $165,000 |
| Application Withdrawn By Applicant | 180 | $20,210,000 | $112,000 | $400,000 | $68,000 | $690,000 |
| Preapproval Approved but not Accepted | 5 | $809,000 | $161,000 | $417,000 | $80,000 | $179,000 |
| Application Approved But Not Accepted | 3 | $286,000 | $95,000 | $176,000 | $64,000 | $120,000 |
| File Closed For Incompleteness | 2 | $245,000 | $122,000 | $200,000 | $90,000 | $165,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 75 | $7,768,000 | $103,000 | $350,000 | $61,000 | $130,000 |
| Debt-To-Income Ratio | 62 | $6,882,000 | $111,000 | $315,000 | $39,000 | $98,000 |
| Collateral | 20 | $1,796,000 | $89,000 | $301,000 | $57,000 | $146,000 |
| Employment History | 11 | $902,000 | $82,000 | $144,000 | $47,000 | $103,000 |
| Mortgage Insurance Denied | 4 | $439,000 | $109,000 | $168,000 | $56,000 | $86,000 |
| Other | 4 | $337,000 | $84,000 | $116,000 | $47,000 | $95,000 |
| Unverifiable Information | 3 | $185,000 | $61,000 | $95,000 | $43,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $285,000 | $95,000 | $133,000 | $61,000 | $88,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into L&N Federal Credit Union's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess L&N Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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