Legends Bank
Legends Bank received 549 applications in 2025 and made 427 mortgages, in 94 counties across 14 states. The median rate its borrowers got was 6.375% on a median loan of $305,000. Of 455 decisions, 20 were denials — 4.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300R0L43GUZ8EW811 |
|---|---|
| Applications received | 549 |
| Mortgages made | 427 |
| Denied | 20 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 94 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0185 points |
| FDIC-insured bank | Yes: Legends Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 350 | 6.250% | $305,000 | 1.1% |
| Refinancing | 37 | 6.500% | $275,000 | 17.4% |
| Cash-out refinancing | 37 | 6.500% | $255,000 | 17.8% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where Legends Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, TN | 155 | 6.125% | 0.6% |
| Davidson County, TN | 43 | 6.500% | 2.3% |
| Hamilton County, TN | 21 | 6.750% | 0.0% |
| Madison County, TN | 10 | 6.625% | 9.1% |
| Cheatham County, TN | 9 | Under 10 loans | 0.0% |
| Robertson County, TN | 9 | Under 10 loans | 0.0% |
| Rutherford County, TN | 9 | Under 10 loans | 0.0% |
| Baldwin County, AL | 8 | Under 10 loans | 0.0% |
| Dickson County, TN | 8 | Under 10 loans | 0.0% |
| Sumner County, TN | 8 | Under 10 loans | 11.1% |
| Williamson County, TN | 8 | Under 10 loans | 0.0% |
| Wilson County, TN | 8 | Under 10 loans | 0.0% |
| Henderson County, TN | 7 | Under 10 loans | 12.5% |
| Stewart County, TN | 6 | Under 10 loans | 0.0% |
| Christian County, KY | 5 | Under 10 loans | 14.3% |
| Chester County, TN | 5 | Under 10 loans | 0.0% |
| Lincoln County, TN | 5 | Under 10 loans | 16.7% |
| Maury County, TN | 5 | Under 10 loans | 0.0% |
| Trigg County, KY | 4 | Under 10 loans | 0.0% |
| Franklin County, TN | 4 | Under 10 loans | 0.0% |
| Houston County, TN | 4 | Under 10 loans | 0.0% |
| Weakley County, TN | 4 | Under 10 loans | 0.0% |
| Escambia County, AL | 3 | Under 10 loans | 0.0% |
| Madison County, AL | 3 | Under 10 loans | 0.0% |
| Bedford County, TN | 3 | Under 10 loans | 0.0% |
| Benton County, TN | 3 | Under 10 loans | 0.0% |
| Carroll County, TN | 3 | Under 10 loans | 0.0% |
| Gibson County, TN | 3 | Under 10 loans | 25.0% |
| Hardeman County, TN | 3 | Under 10 loans | 0.0% |
| Knox County, TN | 3 | Under 10 loans | 0.0% |
| Warren County, TN | 3 | Under 10 loans | 40.0% |
| Randolph County, WV | 3 | Under 10 loans | 40.0% |
| Mobile County, AL | 2 | Under 10 loans | 0.0% |
| Monroe County, AL | 2 | Under 10 loans | 33.3% |
| Escambia County, FL | 2 | Under 10 loans | 0.0% |
| Simpson County, KY | 2 | Under 10 loans | 0.0% |
| Warren County, KY | 2 | Under 10 loans | 0.0% |
| Bradley County, TN | 2 | Under 10 loans | 0.0% |
| Sevier County, TN | 2 | Under 10 loans | 0.0% |
| Bibb County, AL | 1 | Under 10 loans | 0.0% |
| Coffee County, AL | 1 | Under 10 loans | 0.0% |
| Conecuh County, AL | 1 | Under 10 loans | 0.0% |
| Perry County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Jackson County, AR | 1 | Under 10 loans | 0.0% |
| Adams County, CO | 1 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
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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.