Applications / Mortgage Analytics / Lenders / Texas / Legend Bank
Bowie, TX · National bank · OCC · $1.2 billion assets · 117 loans in 2025
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117
loans originated, 2025
149
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legend Bank, a Texas national bank that lends mostly to home buyers, ranks 30 of 209 lenders in Wichita Falls, where its share edged up to 0.7% in 2025 even as its total lending fell.
Purchases made up 68.4% of its loans and refinances 24.8%, and all were conventional. Its typical loan, $205,000, was near the middle of similar lenders (national banks making between half and twice as many loans), whose figure was $185,000.
It made 117 loans in 2025, 15% fewer than in 2024, while similar lenders grew 5% and the whole market 10%. On a count this small, a few loans move the rate a lot. It made 375 loans in 2020 and 161 in 2022. Those earlier years may have held more refinancing; the figures do not split them by purpose.
It has lent in Wichita Falls since 2003. Its share there rose 0.1 points to 0.7%; American National Bank & Trust led. In Amarillo its share rose to 0.1%. In Sherman-Denison it fell 0.1 points to 0.2%, a change a few loans could account for. It ranked 155 of 831 lenders in non-metro Texas.
Low- and moderate-income (LMI) neighborhoods took 16.2% of its loans and majority-minority neighborhoods 7.7%, against 15.2% and 7.5% at similar lenders. Both sat near the middle of the group.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.4% · Refinance 24.8% · Home improvement 5.1% · Other 1.7%
Conventional 100.0% · of 117 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 | 116 | 99.1% |
| Oklahoma | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 31 |
| Wichita Falls | 21 |
| Sherman-Denison | 8 |
| Dallas-Plano-Irving | 5 |
| Amarillo | 2 |
| Lawton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GZ7AZQEUEDGU30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 100357 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14265 | 2003–2017 |
Established 1 March 1890. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Legend Bank's data.
Legend Bank's data
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