Applications / Mortgage Analytics / Lenders / Oklahoma / Legacy Bank
Hinton, OK · State non-member bank · FDIC · $661 million assets · 131 loans in 2025
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131
loans originated, 2025
156
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legacy Bank, a state non-member bank in Hinton, Oklahoma, makes most of its loans to home buyers and lends far more in poorer and majority-minority neighborhoods than most banks of its size.
Almost a third of its loans, 32.3%, went to poorer neighborhoods (low- and moderate-income, or LMI, tracts). Similar lenders, state non-member banks making between half and twice as many loans, put 17.6% there, and Legacy Bank's share was higher than at more than four in five of them. Majority-minority areas took 16.8% of its loans, against 5.4% at its peers.
Home purchases made up 64.1% of its loans and home improvement 11.5%. Every loan was conventional, with no government guarantee. Its typical loan fell to $145,000 from $200,000 in 2024, below the $175,000 at its peers.
It made 131 loans, 4% fewer than in 2024, while similar lenders grew by 9% and the whole market by 10%. A change of five loans could be ordinary variation from one year to the next. Its count has swung before, from 202 in 2020 to 84 in 2023 and back to 136 in 2024.
In Oklahoma City, a market it has served since at least 1990, it ranked 87 of 534 lenders, and its share slipped from 0.3% to 0.2%. First United Bank and Trust Company led. Its total lending rose, to $40.8 million from $38.5 million, so the market may simply have grown faster.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 156 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.1% · Refinance 21.4% · Home improvement 11.5% · Other 3.1%
Conventional 100.0% · of 131 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 |
|---|---|---|
| Oklahoma | 121 | 92.4% |
| Arizona | 6 | 4.6% |
| Florida | 2 | 1.5% |
| Texas | 2 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 75 |
| Phoenix-Mesa-Chandler | 6 |
| Austin-Round Rock-San Marcos | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Lawton | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E76OWAX7HQJX42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 320052 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34042 | 2003–2017 |
Established 1 January 1902. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Legacy Bank's data.
Legacy Bank's data
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