Legend Bank, N.A.
Legend Bank, N.A. received 149 applications in 2025 and made 117 mortgages, in 23 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 139 decisions, 17 were denials — 12.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GZ7AZQEUEDGU30 |
|---|---|
| Applications received | 149 |
| Mortgages made | 117 |
| Denied | 17 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Legend Bank, N.A., 15 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 80 | Not published | $215,000 | 3.5% |
| Refinancing | 12 | Not published | $155,000 | 18.8% |
| Cash-out refinancing | 17 | Not published | $235,000 | 26.1% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 35.7% |
Where Legend Bank, N.A. lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fannin County, TX | 23 | Not published | 13.8% |
| Wise County, TX | 20 | Not published | 4.8% |
| Montague County, TX | 14 | Not published | 6.3% |
| Wichita County, TX | 12 | Not published | 0.0% |
| Tarrant County, TX | 10 | Not published | 23.1% |
| Clay County, TX | 8 | Under 10 loans | 20.0% |
| Grayson County, TX | 8 | Under 10 loans | 11.1% |
| Cooke County, TX | 5 | Under 10 loans | 0.0% |
| Delta County, TX | 3 | Under 10 loans | 25.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Lamar County, TX | 2 | Under 10 loans | 33.3% |
| Randall County, TX | 2 | Under 10 loans | 0.0% |
| Comanche County, OK | 1 | Under 10 loans | 0.0% |
| Archer County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Hopkins County, TX | 1 | Under 10 loans | 0.0% |
| Hunt County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Throckmorton County, TX | 1 | Under 10 loans | 0.0% |
| Taos County, NM | 0 | Under 10 loans | 100.0% |
| Camp County, TX | 0 | Under 10 loans | 100.0% |
| Palo Pinto County, TX | 0 | Under 10 loans | 100.0% |
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When Legend Bank, N.A.’s figures are published for the next year, or restated.
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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.