Applications / Mortgage Analytics / Lenders / Illinois / Legence Bank
Eldorado, IL · State non-member bank · FDIC · $649 million assets · 51 loans in 2025
Legence Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
51
loans originated, 2025
90
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legence Bank, an Illinois bank, is a small home-purchase lender whose largest markets lie outside the cities, across five states.
Home purchases made up 74.5% of its loans and refinances 17.6%. Its typical loan, $165,000, matched that of similar lenders (banks of the same type making between half and twice as many loans). Its higher-priced share (loans with a rate well above the average for similar loans) was 6.4%, against 5.8%, near the middle.
Loans fell 27% to 51, while similar banks grew 5%; only about one in twelve shrank faster. It made 343 loans in 2020, and the count has fallen every year since. Refinances, now 17.6% of its loans, may have fallen away as a source of business. With so few loans, the yearly change can swing widely.
Its largest market is non-metro Illinois, where it ranks 118 of 572 lenders in a $3.27B market led by Rocket Mortgage. Some 23.5% of its loans went to low- and moderate-income neighborhoods, against 18.5% at similar lenders, more than at about three in five of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Legence Bank took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.5% · Refinance 17.6% · Other 7.8%
Conventional 100.0% · of 51 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 |
|---|---|---|
| Illinois | 43 | 84.3% |
| Indiana | 5 | 9.8% |
| Kentucky | 1 | 2.0% |
| Missouri | 1 | 2.0% |
| Tennessee | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 4 |
| Paducah | 3 |
| Joplin | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OVUSU8E87XZV67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 635840 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310886 | 2006–2017 |
Established 1 January 1906. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Legence Bank's data.
Legence Bank's data
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