Legacy Home Loans in Kentucky vs the state
5.4%Denial rate-13.40 pts vs state
7.4%Decision denial rate-16.08 pts vs state
67.6%Origination rate+9.53 pts vs state
6.13%Median rate-0.63 pts vs state
-0.18Rate spread (pts)-0.49 pts vs state
$81kMedian applicant income
25Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 44 | 37 | 0.0% | 6.38% | #253 |
| 2025 | 37 | 25 | 5.4% | 6.13% | #293 |
What Legacy Home Loans lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Legacy Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Christian County | 25 | 16 | 1 | 4.0% |
| Logan County | 2 | 1 | 1 | 50.0% |
| Hopkins County | 1 | 1 | 0 | 0.0% |
| Simpson County | 1 | 1 | 0 | 0.0% |
| Trigg County | 1 | 0 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Barren County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 37 applications in 2025, of which 25 were originated and 2 denied.
5.4% of all applications, or 7.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Legacy Home Loans originated in Kentucky in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Legacy Home Loans's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology