Legacy Community Federal Credit Union mortgage approval rate & lending review
Legacy Community Federal Credit Union decided 269 mortgage applications and funded 189 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Legacy Community Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Legacy Community Federal Credit Union at a glance
Approval is 9.1 points above the 77.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 111 / 118 | 72% | $295K | 80 |
| Home improvement loans | 100% | 42 / 42 | 95% | $55K | 40 |
| Cash-out refinance | 82% | 56 / 68 | 86% | $105K | 48 |
Legacy Community Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 86% | $165K | 269 | 189 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Legacy Community Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, AL | Mortgage lenders | 92% | 79 | 53 |
| Jefferson County, AL | Cash-out refinance | 83% | 47 | 32 |
| Jefferson County, AL | Home improvement loans | 100% | 33 | 31 |
The county markets where Legacy Community Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Legacy Community Federal Credit Union
What is Legacy Community Federal Credit Union's mortgage approval rate?
Legacy Community Federal Credit Union approved 86.2% of the 269 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.1 points above the 77.1% national rate for the same mix of loan types.
How often do borrowers take the loan Legacy Community Federal Credit Union offers?
Borrowers accepted 81% of the loans Legacy Community Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Legacy Community Federal Credit Union make?
The typical home purchase mortgage loan Legacy Community Federal Credit Union made was $295K; across all loan types its typical loan ran from $55K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Legacy Community Federal Credit Union lend?
Legacy Community Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Alabama.
Can I apply to Legacy Community Federal Credit Union directly?
Yes. Legacy Community Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Legacy Community Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Legacy Community Federal Credit Union treats applications, then get a rate quote from the lender.