Purchase Originations
958
Ranked #390 nationally
Median Total Costs
$4,906
−26.6% vs national ($6,680)
↑ $38 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$1,195
Median Lender Credits
$95
Cost Rank (500+ vol.)
#188
among lenders with 500+ originations
Denial Rate
0.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 762 | 6.500% | $4,223 | $1,195 |
| va | 101 | 6.125% | $9,971 | $2,578 |
| fha | 95 | 6.125% | $10,493 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 920 | 6.490% | $4,828 | #14 |
| Kentucky | 23 | 6.125% | $10,360 | — |
| Texas | 4 | 6.375% | $9,006 | — |
| Alabama | 3 | 6.500% | $3,448 | — |
| Florida | 3 | 6.500% | $7,342 | — |
| North Carolina | 3 | 6.250% | $4,157 | — |
| Georgia | 1 | 6.625% | $5,895 | — |
| South Carolina | 1 | 6.375% | $4,708 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,601 | 6.500% | — | 27 | −$1,305 | |
| 2 | $3,604 | 6.625% | — | 6 | −$1,302 | |
| 3 | $3,848 | 6.874% | — | 2 | −$1,058 | |
| 4 | $4,046 | 6.500% | — | 399 | −$860 | |
| 5 | $4,094 | 6.438% | — | 10 | −$812 | |
| 6 | $4,192 | 6.625% | — | 3 | −$714 | |
| 7 | $4,332 | 6.490% | — | 27 | −$574 | |
| 8 | $4,383 | 6.250% | — | 12 | −$523 | |
| 9 | $4,506 | 6.500% | — | 173 | −$400 | |
| 10 | $4,984 | 6.875% | — | 5 | +$78 | |
| 11 | $5,106 | 6.624% | — | 62 | +$200 | |
| 12 | $5,180 | 6.490% | — | 58 | +$274 | |
| 13 | $5,443 | 6.250% | — | 16 | +$537 | |
| 14 | $5,530 | 6.490% | — | 3 | +$624 | |
| 15 | $6,057 | 6.500% | — | 4 | +$1,151 | |
| 16 | $6,605 | 6.375% | — | 4 | +$1,699 | |
| 17 | $6,837 | 6.558% | — | 8 | +$1,931 | |
| 18 | $7,894 | 6.490% | — | 3 | +$2,988 | |
| 19 | $9,764 | 6.125% | — | 78 | +$4,858 | |
| 20 | $10,562 | 6.124% | — | 16 | +$5,656 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Legacy Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $4,906 | $7,127 | −$2,221 (−31.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.