Legacy Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
18th13.0% deniedProcesswithdrawn + incomplete share, weight 15%
77th1.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 109 | 84 | 20.2% | 20.8% | — | $16M |
| 2024 | 158 | 136 | 10.1% | 10.5% | — | $39M |
| 2025 | 156 | 131 | 12.8% | 13.0% | — | $41M |
What Legacy Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 116 investment properties.
Where Legacy Bank lends
4 states and 28 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Legacy Bank denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of investment-property lenders.
In 2025, 61% of its applications were for home purchases, 23% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.