Homebuyers in Whitley County County who chose L & N Federal Credit Union paid $2,769 less in closing costs than the county median.
County Median Costs
$4,869
−2.8% vs Kentucky ($5,007)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$1,125
Purchase Originations
235
Denial Rate
35.8%
vs Kentucky avg (15.1%)
vs Kentucky Median
2.8% below
$-138
vs National Median
27.1% below
$-1,811
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,100 | 6.750% | $400 | 19 | −$947 | |
| 2 | $2,783 | 6.000% | $900 | 45 | −$264 | |
| 3 | $5,976 | 10.750% | $3,440 | 19 | +$2,929 |
Includes lenders with 10+ purchase originations in Whitley County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Kentucky → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.