L&N Federal Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, L&N Federal Credit Union of Louisville, KY reported 1,642 mortgage applications totaling $220.6 million, up 25% from 2014. The average application was for $134,334, and applicants reported an average income of $76,024. 57% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (671), Cincinnati, OH-KY-IN (112) and Elizabethtown-Fort Knox, KY (9) (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 | 1,642 |
| Total Mortgage Loan Application Amount | $220,578,000 |
| Average Mortgage Loan Application Amount | $134,334 |
| Highest Mortgage Loan Application Amount | $682,000 |
| Average Applicant Income | $76,024 |
| Highest Applicant Income | $1,032,000 |
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(HMDA) records L&N Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 473 | $ 63,053,000 | $ 133,304 | $ 82,000 |
| Laurel, Kentucky | 126 | $ 13,585,000 | $ 107,817 | $ 65,000 |
| Whitley, Kentucky | 82 | $ 7,968,000 | $ 97,170 | $ 63,000 |
| Bullitt, Kentucky | 72 | $ 10,896,000 | $ 151,333 | $ 76,000 |
| Boone, Kentucky | 45 | $ 6,560,000 | $ 145,777 | $ 73,000 |
| Pulaski, Kentucky | 39 | $ 3,945,000 | $ 101,153 | $ 56,000 |
| Kenton, Kentucky | 37 | $ 4,516,000 | $ 122,054 | $ 69,000 |
| Clark, Indiana | 36 | $ 5,061,000 | $ 140,583 | $ 82,000 |
| Oldham, Kentucky | 35 | $ 8,363,000 | $ 238,942 | $ 119,000 |
| Knox, Kentucky | 30 | $ 3,173,000 | $ 105,766 | $ 62,000 |
| Floyd, Indiana | 29 | $ 4,111,000 | $ 141,758 | $ 79,000 |
| Campbell, Kentucky | 13 | $ 1,827,000 | $ 140,538 | $ 77,000 |
| Shelby, Kentucky | 12 | $ 2,409,000 | $ 200,750 | $ 101,000 |
| Spencer, Kentucky | 8 | $ 1,394,000 | $ 174,250 | $ 86,000 |
| Nelson, Kentucky | 6 | $ 857,000 | $ 142,833 | $ 81,000 |
| Grant, Kentucky | 5 | $ 663,000 | $ 132,600 | $ 85,000 |
| Madison, Kentucky | 5 | $ 758,000 | $ 151,600 | $ 97,000 |
| McCreary, Kentucky | 5 | $ 515,000 | $ 103,000 | $ 67,000 |
| Fayette, Kentucky | 4 | $ 1,029,000 | $ 257,250 | $ 181,000 |
| Hardin, Kentucky | 4 | $ 506,000 | $ 126,500 | $ 81,000 |
| Meade, Kentucky | 4 | $ 868,000 | $ 217,000 | $ 149,000 |
| Duval, Florida | 3 | $ 410,000 | $ 136,666 | $ 111,000 |
| Sarasota, Florida | 3 | $ 305,000 | $ 101,666 | $ 64,000 |
| Bell, Kentucky | 3 | $ 215,000 | $ 71,666 | $ 59,000 |
| Breckinridge, Kentucky | 3 | $ 231,000 | $ 77,000 | $ 44,000 |
| Gallatin, Kentucky | 3 | $ 219,000 | $ 73,000 | $ 84,000 |
| Grayson, Kentucky | 3 | $ 246,000 | $ 82,000 | $ 89,000 |
| Pendleton, Kentucky | 3 | $ 250,000 | $ 83,333 | $ 53,000 |
| Campbell, Tennessee | 3 | $ 349,000 | $ 116,333 | $ 70,000 |
| Harrison, Indiana | 2 | $ 326,000 | $ 163,000 | $ 73,000 |
| Washington, Indiana | 2 | $ 268,000 | $ 134,000 | $ 44,000 |
| Jackson, Kentucky | 2 | $ 146,000 | $ 73,000 | $ 103,000 |
| Owen, Kentucky | 2 | $ 171,000 | $ 85,500 | $ 97,000 |
| Perry, Kentucky | 2 | $ 367,000 | $ 183,500 | $ 47,000 |
| Franklin, Ohio | 2 | $ 781,000 | $ 390,500 | $ 188,000 |
| Hamilton, Ohio | 2 | $ 128,000 | $ 64,000 | $ 34,000 |
| Scott, Tennessee | 2 | $ 317,000 | $ 158,500 | $ 86,000 |
| Charlotte, Florida | 1 | $ 137,000 | $ 137,000 | $ 39,000 |
| Escambia, Florida | 1 | $ 124,000 | $ 124,000 | $ 68,000 |
| Okaloosa, Florida | 1 | $ 270,000 | $ 270,000 | $ 258,000 |
| Pasco, Florida | 1 | $ 93,000 | $ 93,000 | $ 56,000 |
| St. Johns, Florida | 1 | $ 203,000 | $ 203,000 | $ 291,000 |
| Brown, Indiana | 1 | $ 132,000 | $ 132,000 | $ 75,000 |
| Crawford, Indiana | 1 | $ 168,000 | $ 168,000 | $ 60,000 |
| Jackson, Indiana | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| Jefferson, Indiana | 1 | $ 239,000 | $ 239,000 | $ 113,000 |
| Scott, Indiana | 1 | $ 97,000 | $ 97,000 | $ 53,000 |
| Anderson, Kentucky | 1 | $ 176,000 | $ 176,000 | $ 484,000 |
| Bracken, Kentucky | 1 | $ 32,000 | $ 32,000 | $ 49,000 |
| Clay, Kentucky | 1 | $ 39,000 | $ 39,000 | $ 35,000 |
| Clinton, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Floyd, Kentucky | 1 | $ 203,000 | $ 203,000 | $ 95,000 |
| Garrard, Kentucky | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Harlan, Kentucky | 1 | $ 51,000 | $ 51,000 | $ 84,000 |
| Harrison, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Hart, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Henry, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 235,000 |
| Larue, Kentucky | 1 | $ 52,000 | $ 52,000 | $ 71,000 |
| Letcher, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 48,000 |
| Marion, Kentucky | 1 | $ 279,000 | $ 279,000 | $ 121,000 |
| Mercer, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 166,000 |
| Rockcastle, Kentucky | 1 | $ 103,000 | $ 103,000 | $ 49,000 |
| Rowan, Kentucky | 1 | $ 57,000 | $ 57,000 | $ 144,000 |
| Brown, Ohio | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Butler, Ohio | 1 | $ 76,000 | $ 76,000 | $ 17,000 |
| Clermont, Ohio | 1 | $ 97,000 | $ 97,000 | $ 31,000 |
| Davidson, Tennessee | 1 | $ 292,000 | $ 292,000 | $ 103,000 |
| Hawkins, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Polk, Tennessee | 1 | $ 78,000 | $ 78,000 | $ 53,000 |
| Wilson, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for L&N Federal Credit Union in 2015
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,004 | $138,649,000 | $138,000 | $682,000 | $74,000 | $484,000 |
| Refinancing | 571 | $73,355,000 | $128,000 | $573,000 | $79,000 | $1,032,000 |
| Home Improvement | 67 | $8,574,000 | $127,000 | $417,000 | $81,000 | $288,000 |
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 | 1,356 | $181,824,000 | $134,000 | $682,000 | $77,000 | $1,032,000 |
| Not Provided | 138 | $19,653,000 | $142,000 | $450,000 | $77,000 | $357,000 |
| Black or African American | 108 | $13,130,000 | $121,000 | $375,000 | $63,000 | $160,000 |
| Hispanic | 25 | $3,059,000 | $122,000 | $239,000 | $63,000 | $135,000 |
| Asian | 12 | $2,578,000 | $214,000 | $417,000 | $86,000 | $229,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $211,000 | $105,000 | $111,000 | $45,000 | $53,000 |
| American Indian or Alaskan Native | 1 | $123,000 | $123,000 | $123,000 | $84,000 | $84,000 |
| 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) | 1,642 | $220,578,000 | $134,000 | $682,000 | $76,000 | $1,032,000 |
| 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 | 928 | $124,406,000 | $134,000 | $528,000 | $81,000 | $1,032,000 |
| Application Withdrawn By Applicant | 412 | $58,724,000 | $142,000 | $573,000 | $78,000 | $357,000 |
| Application Denied By Financial Institution | 252 | $31,482,000 | $124,000 | $682,000 | $54,000 | $287,000 |
| File Closed For Incompleteness | 50 | $5,966,000 | $119,000 | $295,000 | $63,000 | $168,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 109 | $15,174,000 | $139,000 | $490,000 | $49,000 | $169,000 |
| Credit History | 88 | $9,021,000 | $102,000 | $315,000 | $57,000 | $167,000 |
| Employment History | 16 | $1,894,000 | $118,000 | $320,000 | $52,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,496,000 | $166,000 | $682,000 | $71,000 | $287,000 |
| Collateral | 6 | $656,000 | $109,000 | $155,000 | $57,000 | $111,000 |
| Other | 4 | $635,000 | $158,000 | $389,000 | $74,000 | $156,000 |
| Mortgage Insurance Denied | 1 | $22,000 | $22,000 | $22,000 | $67,000 | $67,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into L&N Federal Credit Union's 2015 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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