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%
49th4.9% deniedProcesswithdrawn + incomplete share, weight 15%
27th10.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 190 | 164 | 2.6% | 2.9% | — | $50M |
| 2024 | 191 | 165 | 2.6% | 2.9% | — | $55M |
| 2025 | 185 | 157 | 4.3% | 4.9% | — | $63M |
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, 2 manufactured homes, 161 investment properties.
Where Legacy Bank lends
3 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kansas | 183 | 155 | 4.4% | — | #108 |
Frequently asked questions
Legacy Bank denied 4.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of investment-property lenders.
In 2025, 73% of its applications were for home purchases, 21% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.