Legacy Home Loans
We analyzed every closed loan from Legacy Home Loans — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Legacy Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+14.4 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,031 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
FHA
110 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
VA
113 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
Jumbo
40 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,188 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
Refinance
107 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,031 | 79.6% | +0.154%Above | $1,990Fees | ||||
FHA Loans | 110 | 8.5% | +0.347%Above | $2,480Fees | ||||
VA Loans | 113 | 8.7% | -0.332%Below | $2,412Fees | ||||
Jumbo Loans | 40 | 3.1% | +0.423%Above | $809Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,031
Mix79.6%
Spread
+0.154%Above
Fees
$1,990Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume110
Mix8.5%
Spread
+0.347%Above
Fees
$2,480Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume113
Mix8.7%
Spread
-0.332%Below
Fees
$2,412Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume40
Mix3.1%
Spread
+0.423%Above
Fees
$809Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,188 | 91.7% | +0.150%Above | $2,111Fees | ||||
Refinance | 107 | 8.3% | +0.069%Above | $1,082Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,188
Mix91.7%
Spread
+0.150%Above
Fees
$2,111Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume107
Mix8.3%
Spread
+0.069%Above
Fees
$1,082Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,295
Applications
1,645
Volume
$587 million
Pricing & Closing
Avg Rate Spread
+0.144%
vs. market APOR
Avg Net Fees
$2,032
Origination − Credits
Pullthrough Rate
78.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$453,981
Avg Borrower Income
$184,055
Avg Property Value
$629,232
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 5050+None
South6
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How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.