L&N Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, L&N Federal Credit Union of Louisville, KY reported 1,546 mortgage applications totaling $182.0 million, up 35% from 2011. The average application was for $117,717, and applicants reported an average income of $71,659. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (675), Cincinnati-Middletown, OH-KY-IN (90) and Lexington-Fayette, KY (3) (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 | 1,546 |
| Total Mortgage Loan Application Amount | $181,992,000 |
| Average Mortgage Loan Application Amount | $117,717 |
| Highest Mortgage Loan Application Amount | $1,360,000 |
| Average Applicant Income | $71,659 |
| Highest Applicant Income | $525,000 |
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(HMDA) records L&N Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 521 | $ 63,543,000 | $ 121,963 | $ 75,000 |
| Laurel, Kentucky | 198 | $ 20,786,000 | $ 104,979 | $ 67,000 |
| Whitley, Kentucky | 130 | $ 11,944,000 | $ 91,876 | $ 60,000 |
| Knox, Kentucky | 78 | $ 7,291,000 | $ 93,474 | $ 60,000 |
| Pulaski, Kentucky | 68 | $ 6,638,000 | $ 97,617 | $ 59,000 |
| Bullitt, Kentucky | 53 | $ 6,703,000 | $ 126,471 | $ 73,000 |
| Oldham, Kentucky | 51 | $ 11,996,000 | $ 235,215 | $ 113,000 |
| Kenton, Kentucky | 38 | $ 3,974,000 | $ 104,578 | $ 68,000 |
| Clark, Indiana | 37 | $ 4,043,000 | $ 109,270 | $ 73,000 |
| Boone, Kentucky | 35 | $ 4,686,000 | $ 133,885 | $ 65,000 |
| Floyd, Indiana | 25 | $ 3,404,000 | $ 136,160 | $ 92,000 |
| Harrison, Indiana | 10 | $ 1,235,000 | $ 123,500 | $ 92,000 |
| McCreary, Kentucky | 10 | $ 962,000 | $ 96,200 | $ 51,000 |
| Nelson, Kentucky | 10 | $ 1,062,000 | $ 106,200 | $ 68,000 |
| Spencer, Kentucky | 10 | $ 1,161,000 | $ 116,100 | $ 71,000 |
| Grant, Kentucky | 9 | $ 903,000 | $ 100,333 | $ 91,000 |
| Jackson, Kentucky | 7 | $ 675,000 | $ 96,428 | $ 67,000 |
| Shelby, Kentucky | 7 | $ 928,000 | $ 132,571 | $ 72,000 |
| Campbell, Kentucky | 6 | $ 586,000 | $ 97,666 | $ 50,000 |
| Clay, Kentucky | 6 | $ 440,000 | $ 73,333 | $ 49,000 |
| Rockcastle, Kentucky | 6 | $ 537,000 | $ 89,500 | $ 64,000 |
| Bell, Kentucky | 5 | $ 644,000 | $ 128,800 | $ 92,000 |
| Grayson, Kentucky | 5 | $ 460,000 | $ 92,000 | $ 134,000 |
| Meade, Kentucky | 5 | $ 498,000 | $ 99,600 | $ 50,000 |
| Madison, Kentucky | 4 | $ 500,000 | $ 125,000 | $ 63,000 |
| Wayne, Kentucky | 4 | $ 395,000 | $ 98,750 | $ 67,000 |
| Campbell, Tennessee | 4 | $ 414,000 | $ 103,500 | $ 77,000 |
| Breckinridge, Kentucky | 3 | $ 308,000 | $ 102,666 | $ 139,000 |
| Fayette, Kentucky | 3 | $ 556,000 | $ 185,333 | $ 236,000 |
| Hardin, Kentucky | 3 | $ 270,000 | $ 90,000 | $ 95,000 |
| Owen, Kentucky | 3 | $ 284,000 | $ 94,666 | $ 75,000 |
| Hamilton, Ohio | 3 | $ 202,000 | $ 67,333 | $ 67,000 |
| Pasco, Florida | 2 | $ 388,000 | $ 194,000 | $ 98,000 |
| Sarasota, Florida | 2 | $ 299,000 | $ 149,500 | $ 166,000 |
| Crawford, Indiana | 2 | $ 88,000 | $ 44,000 | $ 23,000 |
| Washington, Indiana | 2 | $ 234,000 | $ 117,000 | $ 87,000 |
| Gallatin, Kentucky | 2 | $ 354,000 | $ 177,000 | $ 108,000 |
| Knott, Kentucky | 2 | $ 201,000 | $ 100,500 | $ 73,000 |
| Letcher, Kentucky | 2 | $ 222,000 | $ 111,000 | $ 94,000 |
| Lincoln, Kentucky | 2 | $ 187,000 | $ 93,500 | $ 37,000 |
| Pendleton, Kentucky | 2 | $ 185,000 | $ 92,500 | $ 50,000 |
| Perry, Kentucky | 2 | $ 184,000 | $ 92,000 | $ 57,000 |
| Russell, Kentucky | 2 | $ 102,000 | $ 51,000 | $ 24,000 |
| Trimble, Kentucky | 2 | $ 169,000 | $ 84,500 | $ 73,000 |
| Clermont, Ohio | 2 | $ 243,000 | $ 121,500 | $ 104,000 |
| Knox, Tennessee | 2 | $ 202,000 | $ 101,000 | $ 93,000 |
| Broward, Florida | 1 | $ 194,000 | $ 194,000 | $ 105,000 |
| Lee, Florida | 1 | $ 95,000 | $ 95,000 | $ 159,000 |
| Nassau, Florida | 1 | $ 222,000 | $ 222,000 | $ 117,000 |
| Polk, Florida | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
| Volusia, Florida | 1 | $ 160,000 | $ 160,000 | $ 118,000 |
| Monroe, Indiana | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Orange, Indiana | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| Barren, Kentucky | 1 | $ 66,000 | $ 66,000 | $ 106,000 |
| Boyd, Kentucky | 1 | $ 250,000 | $ 250,000 | $ 86,000 |
| Boyle, Kentucky | 1 | $ 188,000 | $ 188,000 | $ 66,000 |
| Bracken, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Carroll, Kentucky | 1 | $ 39,000 | $ 39,000 | $ 73,000 |
| Casey, Kentucky | 1 | $ 141,000 | $ 141,000 | $ 45,000 |
| Clinton, Kentucky | 1 | $ 273,000 | $ 273,000 | $ 195,000 |
| Franklin, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Garrard, Kentucky | 1 | $ 199,000 | $ 199,000 | $ 87,000 |
| Harlan, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 115,000 |
| Jessamine, Kentucky | 1 | $ 28,000 | $ 28,000 | $ 42,000 |
| Owsley, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 148,000 |
| Pike, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Taylor, Kentucky | 1 | $ 86,000 | $ 86,000 | $ 78,000 |
| Trigg, Kentucky | 1 | $ 164,000 | $ 164,000 | $ 73,000 |
| Warren, Kentucky | 1 | $ 116,000 | $ 116,000 | $ 86,000 |
| Adams, Ohio | 1 | $ 59,000 | $ 59,000 | $ 111,000 |
| Brown, Ohio | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Butler, Ohio | 1 | $ 90,000 | $ 90,000 | $ 119,000 |
| Miami, Ohio | 1 | $ 77,000 | $ 77,000 | $ 109,000 |
| Jefferson, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Rhea, Tennessee | 1 | $ 232,000 | $ 232,000 | $ 206,000 |
| Sumner, Tennessee | 1 | $ 66,000 | $ 66,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for L&N Federal Credit Union in 2012
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 | 1,065 | $122,892,000 | $115,000 | $1,360,000 | $74,000 | $525,000 |
| Home Purchase | 435 | $54,692,000 | $125,000 | $770,000 | $66,000 | $309,000 |
| Home Improvement | 46 | $4,408,000 | $95,000 | $265,000 | $71,000 | $179,000 |
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 | 1,432 | $169,953,000 | $118,000 | $1,360,000 | $72,000 | $525,000 |
| Black or African American | 73 | $6,821,000 | $93,000 | $276,000 | $63,000 | $286,000 |
| Hispanic | 18 | $1,954,000 | $108,000 | $265,000 | $68,000 | $128,000 |
| Asian | 11 | $1,880,000 | $170,000 | $547,000 | $97,000 | $164,000 |
| American Indian or Alaskan Native | 6 | $594,000 | $99,000 | $156,000 | $70,000 | $208,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $740,000 | $148,000 | $261,000 | $107,000 | $224,000 |
| Not Provided | 1 | $50,000 | $50,000 | $50,000 | $26,000 | $26,000 |
| 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) | 1,546 | $181,992,000 | $117,000 | $1,360,000 | $72,000 | $525,000 |
| 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 | 1,078 | $127,573,000 | $118,000 | $1,360,000 | $76,000 | $525,000 |
| Application Withdrawn By Applicant | 247 | $30,373,000 | $122,000 | $417,000 | $69,000 | $309,000 |
| Application Denied By Financial Institution | 216 | $22,912,000 | $106,000 | $770,000 | $53,000 | $313,000 |
| Application Approved But Not Accepted | 2 | $575,000 | $287,000 | $325,000 | $82,000 | $110,000 |
| File Closed For Incompleteness | 1 | $91,000 | $91,000 | $91,000 | $66,000 | $66,000 |
| Preapproval Approved but not Accepted | 1 | $388,000 | $388,000 | $388,000 | $120,000 | $120,000 |
| Preapproval Denied by Financial Institution | 1 | $80,000 | $80,000 | $80,000 | $55,000 | $55,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 77 | $9,197,000 | $119,000 | $770,000 | $48,000 | $313,000 |
| Credit History | 73 | $7,523,000 | $103,000 | $261,000 | $63,000 | $224,000 |
| Collateral | 31 | $2,854,000 | $92,000 | $208,000 | $48,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,056,000 | $96,000 | $292,000 | $50,000 | $101,000 |
| Employment History | 9 | $918,000 | $102,000 | $250,000 | $50,000 | $114,000 |
| Other | 4 | $260,000 | $65,000 | $95,000 | $40,000 | $58,000 |
| Unverifiable Information | 3 | $364,000 | $121,000 | $254,000 | $79,000 | $181,000 |
| Mortgage Insurance Denied | 3 | $276,000 | $92,000 | $128,000 | $48,000 | $77,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into L&N Federal Credit Union's 2012 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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