L
Unclaimed

L & N Federal Credit Union

Credit Union•LOUISVILLE, KY•Direct

L N Federal Credit Union has 361 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
Conventional
Place
Strong
Regional · 2 mkts
Safe Rate Awards⭐Refinance Superstar

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Report Card

L & N Federal Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+7.1 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
35698.6%
+0.082%Above
$395Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Acceptable
23264.3%
+0.148%Above
$393Fees
Refinance
Sound
Strong
Sound
Strong
12935.7%
-0.069%Below
$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
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLINKYOHTN

Top Metro Areas by Place Specialization Score

1
Louisville/Jefferson County, KY, KY-INMSA
Volume: 196Mix: 54.29%of portfolio
Place
Exceptional
2
Cincinnati, OHMSA
Volume: 33Mix: 9.14%of portfolio
Place
Sound

Top States by Place Specialization Score

1
KYState
Volume: 327Mix: 90.58%of portfolio
Place
Exceptional
2
INState
Volume: 28Mix: 7.76%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.