# Legacy Home Loans, LLC

> **Canonical URL:** https://saferate.com/lenders/legacy-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Legacy Home Loans, LLC is a independent mortgage company, headquartered in BRENTWOOD, TN, serving borrowers across 6 states, with 1,295 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001UYBOONMFYPR30
- **Headquarters:** BRENTWOOD, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AL, FL, GA, KY, TN, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.144%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,032
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,295
- **Dollar Volume:** $588 million
- **Applications Received:** 1,645
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $453,981
- **Average Borrower Income:** $184,055
- **Average Property Value:** $629,232

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 1,031 | +0.154% | $1,990 | Strong 😀 |
| FHA | 67/100 | 110 | +0.347% | $2,480 | Strong 😀 |
| VA | 73/100 | 113 | -0.332% | $2,412 | Strong 😀 |
| Jumbo | 74/100 | 40 | +0.423% | $809 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 944 loans, Score: 74/100 (Strong)
- Refinance: 87 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 101 loans, Score: 67/100 (Strong)

**VA:**
- Purchase: 107 loans, Score: 73/100 (Strong)

**Jumbo:**
- Purchase: 35 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 1,188 | $539M | +0.150% | Strong 😀 |
| Refinance | 61/100 | 107 | $49M | +0.069% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 1,242 | 1.36% | 93/100 |
| KY | 35 | 0.08% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 1,104 | 100/100 |
| Clarksville, TN | TN-KY | 99 | 76/100 |
| Non |  | 57 | 40/100 |

## Where This Lender Ranks

Legacy Home Loans, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Tennessee for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Clarksville, TN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Tennessee for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Nashville Mortgage Companies
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Nashville for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Nashville for FHA Loans
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Nashville for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Clarksville, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Clarksville, TN Mortgage Companies
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Clarksville, TN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Tennessee Mortgage Companies
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Tennessee for FHA Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Nashville for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#8** in Tennessee for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#9** in Clarksville, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Clarksville, TN
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders)
- 🏆 **#13** in Nashville for Conventional Loans
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Clarksville, TN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#16** in Nashville
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders)
- 🏆 **#17** in Nashville for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does Legacy Home Loans, LLC offer?

Legacy Home Loans, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Legacy Home Loans, LLC offer mortgages?

Legacy Home Loans, LLC offers mortgages in 6 states: AL, FL, GA, KY, TN, TX.

### How competitive are Legacy Home Loans, LLC's mortgage rates?

Legacy Home Loans, LLC has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.144% above market average.

### What type of lender is Legacy Home Loans, LLC?

Legacy Home Loans, LLC is a non-depository lender that specializes in mortgage origination, headquartered in BRENTWOOD, TN.

### What is Legacy Home Loans, LLC's loan approval success rate?

Legacy Home Loans, LLC has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/legacy-home-loans

### How to Cite

> "Legacy Home Loans, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/legacy-home-loans

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