Applications / Mortgage Analytics / Lenders / Kansas / Legacy Bank
Colwich, KS · State non-member bank · FDIC · $826 million assets · 157 loans in 2025
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157
loans originated, 2025
185
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legacy Bank, a home-purchase lender that has worked in Wichita since at least 1990, ranks 16 of 367 lenders there, with 1.8% of the market.
Purchases made up 72.6% of its loans, and all of them were conventional. Its typical loan was $205,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans). Its loans added up to $62.6 million, more than at about four in five of them.
Its share of the Wichita market slipped to 1.8% from 1.9% in 2024. Peoples Bank and Trust Company leads there. A small fall in its own count, to 157 loans from 165, could account for the change.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 30.1% of its loans, against 17.6% at similar lenders, more than at about four in five of them. Majority-minority areas took 20.4%, against 5.1% at peers, more than at about three in four.
Its loans fell 5% in 2025, while similar lenders grew 9% and the whole market 10%. Yet it has made between 142 and 172 loans a year since 2018, so the dip sits within its usual range.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.6% · Refinance 19.7% · Home improvement 7.6%
Conventional 100.0% · of 157 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 |
|---|---|---|
| Kansas | 155 | 98.7% |
| Arizona | 1 | 0.6% |
| Oklahoma | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 148 |
| Lake Havasu City-Kingman | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EB748TPUCF9H23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 785950 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317676 | 1990–2017 |
Established 22 February 1886. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Legacy Bank's data.
Legacy Bank's data
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