Applications / Mortgage Analytics / Lenders / Arkansas / Legacy Bank
Springdale, AR · State member bank · FRS · $1.2 billion assets · 207 loans in 2025
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207
loans originated, 2025
235
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legacy Bank's originations rose 67% in 2025, faster than nearly all similar lenders, and it gained share in its home market of Fayetteville-Springdale-Rogers.
Similar lenders (state member banks making between half and twice as many loans) grew 7% and the whole market 10%; Legacy Bank went from 124 loans to 207. Its dollar lending more than doubled to $96.2 million, as its typical loan rose to $275,000 from $205,000. It came after two flat years and is still below the 243 of 2021.
In Fayetteville-Springdale-Rogers it ranks 11 of 465 and its share rose to 1.1% from 0.7%. Armstrong Bank, at $2.45B, and Arvest Bank remain far larger there.
25.7% of its loans were in LMI (low- and moderate-income) areas, higher than about four in five similar lenders, and 15.0% in majority-minority areas against 4.5%. But 20.7% went to LMI borrowers, lower than about four in five. Larger loans for more costly homes, which LMI buyers less often take, are one possible reason.
FHA loans (insured by the Federal Housing Administration) fell from 8.5% five years before to none, and VA loans (guaranteed by the Department of Veterans Affairs) from 5.9%, so every 2025 loan was conventional, as at the typical similar lender. Jumbo loans (larger than the conforming limit) were 6.8%, against 1.5%, higher than nearly nine in ten. A move toward larger loans for more costly homes could explain both.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Legacy Bank took 235 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.0% · Refinance 28.5% · Other 7.7% · Home improvement 6.8%
Conventional 100.0% · of 207 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 |
|---|---|---|
| Arkansas | 186 | 89.9% |
| Missouri | 8 | 3.9% |
| Oklahoma | 7 | 3.4% |
| Florida | 4 | 1.9% |
| Alabama | 1 | 0.5% |
| Tennessee | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 182 |
| Fort Smith | 2 |
| Tampa | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Little Rock-North Little Rock-Conway | 1 |
| Memphis | 1 |
| Mobile | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AR337B2RGP3C69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3306280 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124573 | 2006–2017 |
Established 28 March 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Legacy Bank's data.
Legacy Bank's data
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Legacy Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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