Legacy Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Legacy Bank & Trust of Mountain Grove, MO reported 112 mortgage applications totaling $11.2 million, down 20% from 2010. The average application was for $100,232, and applicants reported an average income of $63,321. 82% of its applications resulted in an originated loan and 12% were denied. Its largest market was Springfield, MO (42).
| Mortgage Company & Address | Legacy Bank & Trust 1500 N Main St Mountain Grove, MO 65711 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 112 |
| Total Mortgage Loan Application Amount | $11,226,000 |
| Average Mortgage Loan Application Amount | $100,232 |
| Highest Mortgage Loan Application Amount | $1,195,000 |
| Average Applicant Income | $63,321 |
| Highest Applicant Income | $800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Legacy Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Christian, Missouri | 31 | $ 3,073,000 | $ 99,129 | $ 54,000 |
| Wright, Missouri | 24 | $ 1,555,000 | $ 64,791 | $ 52,000 |
| Texas, Missouri | 22 | $ 1,127,000 | $ 51,227 | $ 43,000 |
| Douglas, Missouri | 7 | $ 418,000 | $ 59,714 | $ 48,000 |
| Laclede, Missouri | 7 | $ 1,050,000 | $ 150,000 | $ 210,000 |
| Greene, Missouri | 6 | $ 992,000 | $ 165,333 | $ 24,000 |
| Webster, Missouri | 5 | $ 1,020,000 | $ 204,000 | $ 137,000 |
| Howell, Missouri | 2 | $ 703,000 | $ 351,500 | $ 10,000 |
| Phelps, Missouri | 2 | $ 540,000 | $ 270,000 | $ 85,000 |
| Pulaski, Missouri | 2 | $ 105,000 | $ 52,500 | $ 73,000 |
| Stone, Missouri | 2 | $ 517,000 | $ 258,500 | $ 61,000 |
| Lawrence, Missouri | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Shannon, Missouri | 1 | $ 51,000 | $ 51,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Legacy Bank & Trust in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 46 | $6,739,000 | $146,000 | $700,000 | $87,000 | $800,000 |
| Home Purchase | 36 | $3,819,000 | $106,000 | $1,195,000 | $50,000 | $171,000 |
| Home Improvement | 30 | $668,000 | $22,000 | $177,000 | $43,000 | $82,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 102 | $8,379,000 | $82,000 | $510,000 | $68,000 | $800,000 |
| Not applicable | 6 | $2,530,000 | $421,000 | $1,195,000 | $0 | $0 |
| Hispanic | 3 | $281,000 | $93,000 | $170,000 | $51,000 | $55,000 |
| Not Provided | 1 | $36,000 | $36,000 | $36,000 | $19,000 | $19,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 112 | $11,226,000 | $100,000 | $1,195,000 | $63,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 92 | $9,292,000 | $101,000 | $1,195,000 | $65,000 | $800,000 |
| Application Denied By Financial Institution | 13 | $953,000 | $73,000 | $184,000 | $34,000 | $85,000 |
| Application Approved But Not Accepted | 5 | $576,000 | $115,000 | $375,000 | $42,000 | $98,000 |
| Application Withdrawn By Applicant | 2 | $405,000 | $202,000 | $280,000 | $202,000 | $375,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Legacy Bank & Trust's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Legacy Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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