Legence Bank
Legence Bank received 90 applications in 2025 and made 51 mortgages, in 23 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 83 decisions, 16 were denials — 19.3%.
| Legal Entity Identifier | 549300OVUSU8E87XZV67 |
|---|---|
| Applications received | 90 |
| Mortgages made | 51 |
| Denied | 16 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.339 points |
| FDIC-insured bank | Yes: Legence Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 38 | Not published | $170,000 | 18.0% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 16.7% |
Where Legence Bank 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 |
|---|---|---|---|
| Williamson County, IL | 14 | Not published | 0.0% |
| Saline County, IL | 13 | Not published | 23.8% |
| Vanderburgh County, IN | 4 | Under 10 loans | 0.0% |
| Gallatin County, IL | 3 | Under 10 loans | 16.7% |
| Jefferson County, IL | 2 | Under 10 loans | 33.3% |
| Massac County, IL | 2 | Under 10 loans | 0.0% |
| Union County, IL | 2 | Under 10 loans | 0.0% |
| Clinton County, IL | 1 | Under 10 loans | 0.0% |
| Franklin County, IL | 1 | Under 10 loans | 66.7% |
| Hamilton County, IL | 1 | Under 10 loans | 0.0% |
| Hardin County, IL | 1 | Under 10 loans | 66.7% |
| Johnson County, IL | 1 | Under 10 loans | 50.0% |
| Perry County, IL | 1 | Under 10 loans | 0.0% |
| Pulaski County, IL | 1 | Under 10 loans | 50.0% |
| Pike County, IN | 1 | Under 10 loans | 0.0% |
| McCracken County, KY | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 0 | Under 10 loans | 100.0% |
| Jackson County, IL | 0 | Under 10 loans | 0.0% |
| Pope County, IL | 0 | Under 10 loans | Not published |
| White County, IL | 0 | Under 10 loans | 50.0% |
| Gibson County, IN | 0 | Under 10 loans | 0.0% |
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When Legence Bank’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.