Legacy Home Loans, LLC
Legacy Home Loans, LLC received 1,484 applications in 2025 and made 1,218 mortgages, in 76 counties across 8 states. The median rate its borrowers got was 6.490% on a median loan of $405,000. Of 1,237 decisions, 17 were denials — 1.4%, most often for credit history.
| Legal Entity Identifier | 5493001UYBOONMFYPR30 |
|---|---|
| Applications received | 1,484 |
| Mortgages made | 1,218 |
| Denied | 17 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 247 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0035 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,028 | 6.500% | $405,000 | 1.2% |
| Refinancing | 145 | 6.250% | $465,000 | 2.0% |
| Cash-out refinancing | 45 | 6.625% | $335,000 | 4.3% |
Where Legacy Home Loans, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Davidson County, TN | 484 | 6.500% | 0.4% |
| Williamson County, TN | 230 | 6.500% | 0.9% |
| Montgomery County, TN | 102 | 6.125% | 2.9% |
| Rutherford County, TN | 77 | 6.500% | 0.0% |
| Sumner County, TN | 67 | 6.490% | 0.0% |
| Wilson County, TN | 43 | 6.490% | 2.3% |
| Maury County, TN | 32 | 6.495% | 8.6% |
| Dickson County, TN | 21 | 6.375% | 0.0% |
| Christian County, KY | 16 | 6.125% | 5.9% |
| Cheatham County, TN | 15 | 6.250% | 6.3% |
| Robertson County, TN | 15 | 6.500% | 0.0% |
| Knox County, TN | 10 | 6.558% | 0.0% |
| Hamilton County, TN | 7 | Under 10 loans | 0.0% |
| Marshall County, TN | 6 | Under 10 loans | 0.0% |
| Bedford County, TN | 5 | Under 10 loans | 0.0% |
| Coffee County, TN | 5 | Under 10 loans | 0.0% |
| Putnam County, TN | 5 | Under 10 loans | 0.0% |
| Stewart County, TN | 5 | Under 10 loans | 0.0% |
| Franklin County, TN | 4 | Under 10 loans | 20.0% |
| Giles County, TN | 4 | Under 10 loans | 0.0% |
| Warren County, TN | 4 | Under 10 loans | 0.0% |
| DeKalb County, TN | 3 | Under 10 loans | 40.0% |
| Hickman County, TN | 3 | Under 10 loans | 0.0% |
| Moore County, TN | 3 | Under 10 loans | 0.0% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Forsyth County, NC | 2 | Under 10 loans | 0.0% |
| Hamblen County, TN | 2 | Under 10 loans | 0.0% |
| Sevier County, TN | 2 | Under 10 loans | 0.0% |
| Trousdale County, TN | 2 | Under 10 loans | 0.0% |
| Harris County, TX | 2 | Under 10 loans | 0.0% |
| Travis County, TX | 2 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Oconee County, GA | 1 | Under 10 loans | 0.0% |
| Barren County, KY | 1 | Under 10 loans | 0.0% |
| Hopkins County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Livingston County, KY | 1 | Under 10 loans | 0.0% |
| Logan County, KY | 1 | Under 10 loans | 50.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Scott County, KY | 1 | Under 10 loans | 0.0% |
| Simpson County, KY | 1 | Under 10 loans | 0.0% |
| Todd County, KY | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.