Applications / Mortgage Analytics / Lenders / Missouri / Legacy Bank & Trust Company
Mountain Grove, MO · State member bank · FRS · $1.9 billion assets · 82 loans in 2025
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82
loans originated, 2025
96
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legacy Bank & Trust Company, a Missouri bank, made fewer loans for a third year but began lending in Wisconsin in 2025.
It made 82 loans, down 11% from 92, while similar lenders (banks of the same type making between half and twice as many loans) grew 8%. In 2022 it made 238. Its dollar total fell further, to $50.8 million from $106.1 million, as its typical loan shrank. The figures alone cannot say whether that was a choice.
Its loans now reach 11 states and 18 metros. In 2025 it entered Sheboygan and Appleton in Wisconsin and Brownsville-Harlingen in Texas, among others. These markets are new, so its shares there say little yet. In Springfield, Missouri, its largest metro market, it ranks 72 of 351, with 0.2% of the market against 0.3% a year earlier; with so few loans, a handful either way may explain the dip.
Home purchases made up 68.3% of its lending and refinances 26.8%. Its typical loan was $195,000, against $175,000 at similar banks. Low- and moderate-income borrowers took 30.0% of its loans, against 27.1% at similar lenders, a little above 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Legacy Bank & Trust Company took 96 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.3% · Refinance 26.8% · Home improvement 3.7% · Other 1.2%
Conventional 100.0% · of 82 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 | 64 | 78.0% |
| Texas | 6 | 7.3% |
| Wisconsin | 3 | 3.7% |
| Kansas | 2 | 2.4% |
| Arkansas | 1 | 1.2% |
| Florida | 1 | 1.2% |
| Iowa | 1 | 1.2% |
| Illinois | 1 | 1.2% |
| North Carolina | 1 | 1.2% |
| Oklahoma | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 35 |
| Abilene | 1 |
| Appleton | 1 |
| Brownsville-Harlingen | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Columbia | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Dallas-Plano-Irving | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RDN1T32WR2WF91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 397755 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2397755 | 2006–2017 |
Established 17 October 1907. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Legacy Bank & Trust Company's data.
Legacy Bank & Trust Company's data
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Legacy Bank & Trust Company 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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