Applications / Mortgage Analytics / Lenders / Missouri / Legends Bank
Linn, MO · State non-member bank · FDIC · $594 million assets · 128 loans in 2025
Legends Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
128
loans originated, 2025
148
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legends Bank, a Missouri lender, held its loan count steady in 2025 and ranks 8 of 189 lenders in Jefferson City, its main market.
It made 128 loans, against 129 in 2024, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the market 10%. Its dollar total rose to $36.7 million from $26.9 million. Its yearly count has stayed between 118 and 165 since 2018.
All of its loans were conventional. Purchases made up 64.8% and refinances 25.0%. Its typical loan, $165,000, was close to the $175,000 at similar lenders.
Borrowers with low and moderate incomes (LMI) took 36.5% of its loans, against 27.8% at similar lenders, more than at about three in four. LMI neighborhoods took 9.9%, against 17.6%, and majority-minority areas none, against 6.1%. It lends in six Missouri counties, which may hold few such tracts.
In Jefferson City, MO, where it has lent since 1998, it ranked 8 of 189 lenders with 2.3%, down from 2.7%. Flat Branch Mortgage led. A flat loan count in a growing market could explain it, as could gains by other lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Legends Bank took 148 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.8% · Refinance 25.0% · Home improvement 5.5% · Other 4.7%
Conventional 100.0% · of 128 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 |
|---|---|---|
| Missouri | 81 | 63.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jefferson City | 65 |
| St. Louis | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900T0CZ8ZKC5R7A88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 865151 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312616 | 2004–2017 |
Established 17 March 1913. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Legends Bank's data.
Legends Bank's data
$215
Legends 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.
Buy Legends Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]