Legends Bank: 2025 mortgage rates, costs & approvals
How Legends Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Legends Bank · LEI 549300R0L43GUZ8EW811
In 2025, Legends Bank originated 347 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 13 states — 905th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 5 basis points below the national median. Median conventional loan costs were $4,700, 16% lower than the national median ($5,570).
It denied 1.3% of completed home-purchase applications (all lenders: 8.5%).
How Legends Bank priced home-purchase loans
| Purchase loans, 2025 | Legends Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 5.990% | 6.250% |
| 30-year fixed rate · VA | 5.990% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.08 pts | +0.13 pts |
| Total loan costs · conventional | $4,700 | $5,570 |
| Total loan costs · FHA | $10,150 | $11,310 |
| Total loan costs · VA | $11,220 | $6,490 |
| Origination charges (all types) | $2,320 | $1,860 |
| Borrowers paying discount points | 60.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.98% | 0.87% |
| Borrowers receiving lender credits | 31.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Legends Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Tennessee | 289 | 302 | 0.4% | 6.625% | $4,670 |
| Alabama | 23 | 26 | — | — | — |
| Kentucky | 13 | 16 | — | — | — |
| Georgia | 5 | 6 | — | — | — |
| Florida | 5 | 5 | — | — | — |
| West Virginia | 4 | 8 | — | — | — |
| North Carolina | 2 | 2 | — | — | — |
| Mississippi | 1 | 2 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| Arizona | 1 | 1 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Legends Bank's page for that state.
Counties where Legends Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Perry County, AL | 12 | 1 | 5.0% |
| Henderson County, TN | 11 | 7 | 2.4% |
| Montgomery County, TN | 10 | 136 | 2.3% |
| Tucker County, WV | 17 | 1 | 2.3% |
| Chester County, TN | 12 | 5 | 2.2% |
| Randolph County, WV | 11 | 3 | 2.1% |
| Trigg County, KY | 12 | 4 | 2.0% |
| Conecuh County, AL | 25 | 1 | 1.9% |
| Monroe County, AL | 16 | 2 | 1.5% |
| Houston County, TN | 23 | 2 | 1.5% |
| Stewart County, TN | 24 | 3 | 1.4% |
| Washington County, GA | 22 | 1 | 1.2% |
| Weakley County, TN | 17 | 4 | 1.2% |
| Hardeman County, TN | 24 | 2 | 1.1% |
| Escambia County, AL | 21 | 3 | 1.1% |
Check Legends Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300R0L43GUZ8EW811.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Legends Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology