Applications / Mortgage Analytics / Lenders / Texas / Legend Lending
Houston, TX · Independent non-bank lender · CFPB · 1,051 loans in 2025
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1,051
loans originated, 2025
1,425
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legend Lending, a Houston home-purchase lender, has held its place in its Texas markets even as its total lending has shrunk for five years running.
It ranks 49 of 929 lenders by dollars lent in Houston-Pasadena-The Woodlands, TX, with a 0.4% share, the same as a year earlier. In Corpus Christi it ranks 27 of 389, its share also unchanged at 0.8%. It now lends in 19 states, but Texas remains its base.
It made 1,945 loans in 2020 and 1,051 in 2025. Last year its loans fell 9%, while similar lenders (independent non-bank lenders making between half and twice as many loans) typically grew 3% and the whole market 10%. The data do not say why. Home purchases made up 84.8% of its lending last year.
Majority-minority neighborhoods took 37.0% of its loans, against 26.7% at similar lenders. Low- and moderate-income borrowers took a smaller share, 18.3% against 27.1%; its typical loan, $285,000, is close to its peers', so loan size does not explain that, and the mix of its markets may.
It turned down 1.4% of home-purchase applications, lower than more than four-fifths of similar lenders, whose typical rate was 3.2%. Its typical rate, 6.62%, matched theirs.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Legend Lending took 1,425 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.8% · Refinance 15.2%
Conventional 70.3% · FHA 22.5% · VA 7.1% · of 1,051 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 765 | 72.8% |
| Florida | 147 | 14.0% |
| South Carolina | 53 | 5.0% |
| North Carolina | 37 | 3.5% |
| Virginia | 9 | 0.9% |
| Georgia | 6 | 0.6% |
| California | 4 | 0.4% |
| Louisiana | 4 | 0.4% |
| Maryland | 4 | 0.4% |
| Oklahoma | 4 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 611 |
| St. Petersburg-Clearwater-Largo | 87 |
| Corpus Christi | 76 |
| Tampa | 36 |
| Charleston-North Charleston | 32 |
| Charlotte-Concord-Gastonia | 25 |
| Austin-Round Rock-San Marcos | 24 |
| Columbia | 13 |
| San Antonio-New Braunfels | 8 |
| Dallas-Plano-Irving | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QCYEU2QLIWN517 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7208157645 |
Established 3 January 2007. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Legend Lending's data.
Legend Lending's data
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