Legacy Community Federal Credit Union in Alabama vs the state
12.4%Denial rate-7.41 pts vs state
13.8%Decision denial rate-11.19 pts vs state
67.7%Origination rate+12.27 pts vs state
—Median rate
—Rate spread (pts)
$116kMedian applicant income
136Loans originated
25Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 147 | 95 | 17.0% | — | #159 |
| 2024 | 162 | 104 | 17.3% | — | #165 |
| 2025 | 201 | 136 | 12.4% | — | #155 |
What Legacy Community Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Legacy Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 108 | 71 | 17 | 15.7% |
| Shelby County | 45 | 33 | 3 | 6.7% |
| St. Clair County | 14 | 11 | 1 | 7.1% |
| Cullman County | 7 | 5 | 1 | 14.3% |
| Blount County | 4 | 4 | 0 | 0.0% |
| Baldwin County | 3 | 2 | 1 | 33.3% |
| Morgan County | 3 | 0 | 0 | 0.0% |
| DeKalb County | 2 | 1 | 0 | 0.0% |
| Autauga County | 2 | 2 | 0 | 0.0% |
| Chilton County | 2 | 1 | 1 | 50.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 201 applications in 2025, of which 136 were originated and 25 denied.
12.4% of all applications, or 13.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Legacy Community Federal Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology