Legacy Bank & Trust in Missouri vs the state
9.0%Denial rate-6.10 pts vs state
9.0%Decision denial rate-9.73 pts vs state
82.1%Origination rate+19.39 pts vs state
—Median rate
—Rate spread (pts)
$68kMedian applicant income
64Loans originated
7Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 86 | 1.1% | — | #250 |
| 2024 | 81 | 65 | 12.4% | — | #269 |
| 2025 | 78 | 64 | 9.0% | — | #297 |
What Legacy Bank & Trust lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Legacy Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 29 | 27 | 0 | 0.0% |
| Wright County | 17 | 11 | 5 | 29.4% |
| Henry County | 8 | 6 | 0 | 0.0% |
| Christian County | 6 | 5 | 1 | 16.7% |
| Douglas County | 3 | 2 | 0 | 0.0% |
| Webster County | 3 | 3 | 0 | 0.0% |
| Taney County | 2 | 2 | 0 | 0.0% |
| Howell County | 2 | 1 | 0 | 0.0% |
| Texas County | 2 | 1 | 1 | 50.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 78 applications in 2025, of which 64 were originated and 7 denied.
9.0% of all applications, or 9.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Legacy Bank & Trust's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology