Legacy Home Loans, LLC mortgage approval rate & lending review
Legacy Home Loans, LLC decided 3,300 mortgage applications and funded 3,225 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Legacy Home Loans, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to legacyhomeloans.com.
Legacy Home Loans, LLC at a glance
Approval is 11.7 points above the 86.3% 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 | 98% | 2,755 / 2,801 | 100% | $425K | 2,748 |
| Cash-out refinance | 95% | 75 / 79 | 100% | $385K | 75 |
| Refinance | 97% | 184 / 189 | 99% | $445K | 183 |
| Investment property purchase | 96% | 177 / 185 | 99% | $295K | 175 |
| Investment cash-out refinance | 92% | 23 / 25 | 100% | $225K | 23 |
Legacy Home Loans, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 98% | $425K | 3,255 | 3,181 |
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 Home Loans, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Davidson County, TN | Mortgage lenders | 98% | 1,399 | 1,373 |
| Williamson County, TN | Mortgage lenders | 99% | 489 | 481 |
| Rutherford County, TN | Mortgage lenders | 99% | 269 | 262 |
| Sumner County, TN | Mortgage lenders | 99% | 170 | 169 |
| Montgomery County, TN | Mortgage lenders | 98% | 161 | 158 |
| Wilson County, TN | Mortgage lenders | 99% | 143 | 142 |
| Davidson County, TN | Investment property purchase | 97% | 102 | 97 |
| Maury County, TN | Mortgage lenders | 93% | 101 | 94 |
| Davidson County, TN | Refinance | 100% | 71 | 71 |
| Williamson County, TN | Refinance | 94% | 50 | 46 |
| Williamson County, TN | Investment property purchase | 95% | 37 | 35 |
| Davidson County, TN | Cash-out refinance | 96% | 25 | 24 |
The county markets where Legacy Home Loans, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Legacy Home Loans, LLC
What is Legacy Home Loans, LLC's mortgage approval rate?
Legacy Home Loans, LLC approved 98.0% of the 3,300 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Legacy Home Loans, LLC offers?
Borrowers accepted 100% of the loans Legacy Home Loans, LLC 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 Home Loans, LLC make?
The typical home purchase mortgage loan Legacy Home Loans, LLC made was $425K; across all loan types its typical loan ran from $225K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Legacy Home Loans, LLC lend?
Legacy Home Loans, LLC decided applications in 8 of the states Fat Boy Data covers, most of them in Tennessee, Florida and Texas.
Can I apply to Legacy Home Loans, LLC directly?
Yes. Legacy Home Loans, LLC reports as a direct lender that takes applications from borrowers. Its website is legacyhomeloans.com.
Does this page show Legacy Home Loans, LLC'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 Home Loans, LLC treats applications, then get a rate quote from the lender.