Home state: Kentucky

    L & N mortgage rates

    L & N's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.88%. That's about $12,477 saved over the life of a $400,000, 30-year loan. We track L & N daily and refresh rates every morning.

    Today's rates from L & N

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.996%1Sep 11, 2026Visit
    20 Year Fixed6.75%6.94%Sep 11, 2026Visit
    15 Year Fixed6.25%6.483%Sep 11, 2026Visit
    10 Year Fixed6.25%6.58%Sep 11, 2026Visit
    5 Year ARM5.99%5.981%Sep 11, 2026Visit
    15 Year ARM6.375%6.858%3Sep 11, 2026Visit

    Rate history

    Lowest daily rate L & N advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join L & N

    Membership is open to individuals who live, work, worship, or attend school in various areas across Kentucky and Southern Indiana, as well as employees of participating companies and family members of current members.

    Family of a member
    spouse, child, stepchild, sibling, stepsibling, parent, stepparent, grandparent, grandchild, adopted relatives, household members
    County
    Bullitt, KY, Henry, KY, Jefferson, KY, Knox, KY, Laurel, KY, Oldham, KY, Pulaski, KY, Rockcastle, KY, Shelby, KY, Spencer, KY, Trimble, KY, Whitley, KY

    Where L & N writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with L & N.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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