L & N Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
L & N Federal Credit Union 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 1,425 |
| Total Mortgage Loan Application Amount | $229,845,000 |
| Average Mortgage Loan Application Amount | $215,000 |
| Highest Mortgage Loan Application Amount | $2,055,000 |
| Average Applicant Income | $113,200 |
| Highest Applicant Income | $1,660,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with L & N Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing L & N Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down L & N Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how L & N Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by L & N Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at L & N Federal Credit Union's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 524 | $ 87,840,000 | $ 167,000 | $ 90,000 |
| Laurel County Kentucky | 178 | $ 24,760,000 | $ 139,000 | $ 82,000 |
| Whitley County Kentucky | 106 | $ 12,480,000 | $ 117,000 | $ 70,000 |
| Bullitt County Kentucky | 96 | $ 18,030,000 | $ 187,000 | $ 93,000 |
| Pulaski County Kentucky | 61 | $ 8,295,000 | $ 135,000 | $ 70,000 |
| Clark County Indiana | 55 | $ 8,155,000 | $ 148,000 | $ 74,000 |
| Oldham County Kentucky | 51 | $ 14,705,000 | $ 288,000 | $ 151,000 |
| Kenton County Kentucky | 39 | $ 4,205,000 | $ 107,000 | $ 67,000 |
| Floyd County Indiana | 37 | $ 5,975,000 | $ 161,000 | $ 92,000 |
| Knox County Kentucky | 35 | $ 4,105,000 | $ 117,000 | $ 66,000 |
| Boone County Kentucky | 27 | $ 4,735,000 | $ 175,000 | $ 103,000 |
| Nelson County Kentucky | 19 | $ 2,825,000 | $ 148,000 | $ 75,000 |
| Spencer County Kentucky | 18 | $ 3,930,000 | $ 218,000 | $ 104,000 |
| Shelby County Kentucky | 14 | $ 4,300,000 | $ 307,000 | $ 120,000 |
| Meade County Kentucky | 12 | $ 1,730,000 | $ 144,000 | $ 78,000 |
| Grant County Kentucky | 10 | $ 1,360,000 | $ 136,000 | $ 92,000 |
| Jackson County Kentucky | 9 | $ 885,000 | $ 98,000 | $ 68,000 |
| McCreary County Kentucky | 9 | $ 925,000 | $ 102,000 | $ 69,000 |
| Campbell County Kentucky | 8 | $ 970,000 | $ 121,000 | $ 79,000 |
| Clay County Kentucky | 8 | $ 930,000 | $ 116,000 | $ 71,000 |
| Fayette County Kentucky | 8 | $ 2,040,000 | $ 255,000 | $ 119,000 |
| Henry County Kentucky | 7 | $ 1,135,000 | $ 162,000 | $ 96,000 |
| Washington County Indiana | 5 | $ 995,000 | $ 199,000 | $ 127,000 |
| Harrison County Indiana | 4 | $ 600,000 | $ 150,000 | $ 112,000 |
| Lincoln County Kentucky | 4 | $ 380,000 | $ 95,000 | $ 67,000 |
| Madison County Kentucky | 4 | $ 810,000 | $ 202,000 | $ 81,000 |
| Scott County Indiana | 3 | $ 495,000 | $ 165,000 | $ 87,000 |
| Anderson County Kentucky | 3 | $ 505,000 | $ 168,000 | $ 67,000 |
| Breckinridge County Kentucky | 3 | $ 425,000 | $ 141,000 | $ 118,000 |
| Grayson County Kentucky | 3 | $ 345,000 | $ 115,000 | $ 111,000 |
| Hardin County Kentucky | 3 | $ 445,000 | $ 148,000 | $ 75,000 |
| Russell County Kentucky | 3 | $ 295,000 | $ 98,000 | $ 84,000 |
| Wayne County Kentucky | 3 | $ 245,000 | $ 81,000 | $ 86,000 |
| Claiborne County Tennessee | 3 | $ 485,000 | $ 161,000 | $ 68,000 |
| Jefferson County Indiana | 2 | $ 110,000 | $ 55,000 | $ 16,000 |
| Bell County Kentucky | 2 | $ 260,000 | $ 130,000 | $ 44,000 |
| Edmonson County Kentucky | 2 | $ 590,000 | $ 295,000 | $ 412,000 |
| Franklin County Kentucky | 2 | $ 300,000 | $ 150,000 | $ 129,000 |
| Harlan County Kentucky | 2 | $ 150,000 | $ 75,000 | $ 73,000 |
| Pendleton County Kentucky | 2 | $ 440,000 | $ 220,000 | $ 305,000 |
| Rockcastle County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 74,000 |
| Trimble County Kentucky | 2 | $ 140,000 | $ 70,000 | $ 45,000 |
| Butler County Ohio | 2 | $ 370,000 | $ 185,000 | $ 93,000 |
| Okaloosa County Florida | 1 | $ 365,000 | $ 365,000 | $ 200,000 |
| Crawford County Indiana | 1 | $ 145,000 | $ 145,000 | $ 142,000 |
| Dearborn County Indiana | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Hamilton County Indiana | 1 | $ 1,525,000 | $ 1,525,000 | $ 1,660,000 |
| Monroe County Indiana | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Ohio County Indiana | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Vanderburgh County Indiana | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Bourbon County Kentucky | 1 | $ 405,000 | $ 405,000 | $ 180,000 |
| Boyle County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Bracken County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 75,000 |
| Carroll County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Clark County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Cumberland County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 203,000 |
| Gallatin County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 81,000 |
| Harrison County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Hart County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 177,000 |
| Hopkins County Kentucky | 1 | $ 415,000 | $ 415,000 | $ 245,000 |
| Lee County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Leslie County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Letcher County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Marion County Kentucky | 1 | $ 315,000 | $ 315,000 | $ 136,000 |
| Mercer County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Montgomery County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Owen County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Owsley County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 184,000 |
| Pike County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Taylor County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Clermont County Ohio | 1 | $ 315,000 | $ 315,000 | $ 101,000 |
| Cuyahoga County Ohio | 1 | $ 35,000 | $ 35,000 | $ 160,000 |
| Franklin County Ohio | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Hamilton County Ohio | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Campbell County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Sevier County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 154,000 |
| Sumner County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 85,000 |
| Wilson County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for L & N Federal Credit Union in 2019
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 | 584 | $96,600,000 | $165,000 | $2,055,000 | $87,000 | $1,660,000 |
| Cash-out Refinancing | 554 | $84,560,000 | $152,000 | $805,000 | $85,000 | $557,000 |
| Refinancing | 262 | $40,260,000 | $153,000 | $2,005,000 | $98,000 | $900,000 |
| Other Purpose | 24 | $8,160,000 | $340,000 | $585,000 | $161,000 | $525,000 |
| Home Improvement | 1 | $265,000 | $265,000 | $265,000 | $135,000 | $135,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,255 | $197,145,000 | $157,000 | $1,525,000 | $86,000 | $1,660,000 |
| Black or African American | 85 | $11,745,000 | $138,000 | $485,000 | $75,000 | $212,000 |
| Not Provided | 60 | $16,970,000 | $282,000 | $2,055,000 | $189,000 | $900,000 |
| Hispanic | 13 | $1,935,000 | $148,000 | $365,000 | $81,000 | $188,000 |
| American Indian or Alaskan Native | 5 | $615,000 | $123,000 | $165,000 | $71,000 | $125,000 |
| Asian | 5 | $1,045,000 | $209,000 | $425,000 | $93,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $63,000 | $63,000 |
| 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) | 1,425 | $229,845,000 | $161,000 | $2,055,000 | $90,000 | $1,660,000 |
| 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 | 1,208 | $197,880,000 | $163,000 | $2,055,000 | $93,000 | $1,660,000 |
| Application Withdrawn By Applicant | 141 | $22,325,000 | $158,000 | $485,000 | $82,000 | $283,000 |
| Application Denied By Financial Institution | 76 | $9,640,000 | $126,000 | $485,000 | $56,000 | $249,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,349 | $220,205,000 | $163,000 | $2,055,000 | $91,000 | $1,660,000 |
| Debt-To-Income Ratio | 34 | $5,340,000 | $157,000 | $485,000 | $50,000 | $249,000 |
| Credit History | 30 | $3,440,000 | $114,000 | $285,000 | $63,000 | $193,000 |
| Collateral | 8 | $600,000 | $75,000 | $125,000 | $65,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $145,000 | $49,000 | $51,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $26,000 | $26,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into L & N Federal Credit Union's 2019 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.