L & N Federal Credit Union closing costs and rates (2024)
In 2024, L & N Federal Credit Union originated 228 purchase mortgages at a median interest rate of 7.00% and median total closing costs of $2,426. That is $4,315 below the national median of $6,741. L & N Federal Credit Union is most active in Kentucky with 206 originations there.
Purchase Originations
228
Median Total Costs
$2,426
−64.0% vs national ($6,741)
Median Rate
7.000%
+5.7% vs national (6.620%)
Median Origination
$400
Median Lender Credits
$100
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 228 | 7.000% | $2,426 | $400 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,866 | 7.250% | — | 7 | −$560 | |
| 2 | $1,967 | 7.000% | — | 4 | −$459 | |
| 3 | $1,999 | 6.625% | — | 6 | −$427 | |
| 4 | $2,169 | 7.125% | — | 33 | −$257 | |
| 5 | $2,185 | 7.000% | — | 15 | −$241 | |
| 6 | $2,392 | 6.812% | — | 8 | −$34 | |
| 7 | $2,474 | 7.000% | — | 75 | +$48 | |
| 8 | $2,496 | 6.688% | — | 2 | +$70 | |
| 9 | $2,509 | 7.250% | — | 1 | +$83 | |
| 10 | $2,519 | 7.000% | — | 3 | +$93 | |
| 11 | $2,555 | 7.375% | — | 8 | +$129 | |
| 12 | $2,577 | 6.625% | — | 8 | +$151 | |
| 13 | $2,592 | 6.875% | — | 16 | +$166 | |
| 14 | $2,775 | 6.312% | — | 2 | +$349 | |
| 15 | $2,784 | 7.500% | — | 2 | +$358 | |
| 16 | $2,867 | 6.750% | — | 9 | +$441 | |
| 17 | $2,907 | 7.562% | — | 2 | +$481 | |
| 18 | $3,383 | 7.500% | — | 2 | +$957 | |
| 19 | $3,685 | 6.250% | — | 1 | +$1,259 | |
| 20 | $4,713 | 6.438% | — | 2 | +$2,287 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.