LEGACY COMMUNITY FEDERAL CREDIT UNION
LEGACY COMMUNITY FEDERAL CREDIT UNION received 201 applications in 2025 and made 136 mortgages, in 20 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $130,000. Of 181 decisions, 25 were denials — 13.8%, most often for credit history.
| Legal Entity Identifier | 5493006JU3IPG0E80D85 |
|---|---|
| Applications received | 201 |
| Mortgages made | 136 |
| Denied | 25 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 56 | Not published | $270,000 | 2.8% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 37.5% |
| Cash-out refinancing | 23 | Not published | $115,000 | 14.8% |
| Other purposes | 48 | Not published | $50,000 | 19.7% |
Where LEGACY COMMUNITY FEDERAL CREDIT UNION lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AL | 71 | Not published | 16.8% |
| Shelby County, AL | 33 | Not published | 7.5% |
| St. Clair County, AL | 11 | Not published | 8.3% |
| Cullman County, AL | 5 | Under 10 loans | 16.7% |
| Blount County, AL | 4 | Under 10 loans | 0.0% |
| Autauga County, AL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 33.3% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 0.0% |
| Bibb County, AL | 1 | Under 10 loans | 0.0% |
| Chilton County, AL | 1 | Under 10 loans | 50.0% |
| DeKalb County, AL | 1 | Under 10 loans | 0.0% |
| Elmore County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Etowah County, AL | 0 | Under 10 loans | 0.0% |
| Limestone County, AL | 0 | Under 10 loans | Not published |
| Madison County, AL | 0 | Under 10 loans | Not published |
| Morgan County, AL | 0 | Under 10 loans | Not published |
| Russell County, AL | 0 | Under 10 loans | 100.0% |
| Walker County, AL | 0 | Under 10 loans | 0.0% |
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When LEGACY COMMUNITY FEDERAL CREDIT UNION’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.