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L & N Federal Credit Union

Credit Union•Louisville, KYHQ•Direct•Reviews near you on Google

L & N Federal Credit Union has 361 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 2 mkts
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

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Report Card

L & N Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+7.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume356
Mix98.6%
Spread
+0.082%Above
Fees
$395Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume232
Mix64.3%
Spread
+0.148%Above
Fees
$393Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume129
Mix35.7%
Spread
-0.069%Below
Fees
$399Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
361
Applications
567
Volume
$84 million
Pricing & Closing
Avg Rate Spread
+0.071%
vs. market APOR
Avg Net Fees
$395
Origination − Credits
Pullthrough Rate
63.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$235,360
Avg Borrower Income
$131,709
Avg Property Value
$316,607

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
INOH
South3
FLKYTN

Top Metro Areas by Place Specialization Score

1© Ken Lund · CC BY-SA 2.0
Louisville/Jefferson County, KY, KY-INMetro
Volume 196Mix 54.29% of portfolio
85/100
Exceptional
2© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 33Mix 9.14% of portfolio
58/100
Sound

Top States by Place Specialization Score

Kentucky
Kentucky
1
KentuckyState
Volume 327Mix 90.58% of portfolio
85/100
Exceptional
Indiana
Indiana
2
IndianaState
Volume 28Mix 7.76% of portfolio
50/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.