Legacy Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Legacy Bank & Trust of Mountain Grove, MO reported 108 mortgage applications totaling $108.3 million, down 46% from 2023. The average application was for $1,002,777, and applicants reported an average income of $307,750. 85% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Springfield, MO (32), Kansas City, MO-KS (3) and Houston-The Woodlands-Sugar Land, TX (2) (applications in parentheses).
| 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 | 108 |
| Total Mortgage Loan Application Amount | $108,300,000 |
| Average Mortgage Loan Application Amount | $1,002,777 |
| Highest Mortgage Loan Application Amount | $13,205,000 |
| Average Applicant Income | $307,750 |
| Highest Applicant Income | $6,420,000 |
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Act (HMDA) records Legacy Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Greene, Missouri | 16 | $ 4,190,000 | $ 261,875 | $ 308,000 |
| Henry, Missouri | 16 | $ 1,760,000 | $ 110,000 | $ 135,000 |
| Wright, Missouri | 13 | $ 2,015,000 | $ 155,000 | $ 60,000 |
| Christian, Missouri | 9 | $ 1,785,000 | $ 198,333 | $ 69,000 |
| Texas, Missouri | 5 | $ 455,000 | $ 91,000 | $ 171,000 |
| Webster, Missouri | 5 | $ 915,000 | $ 183,000 | $ 136,000 |
| Douglas, Missouri | 2 | $ 380,000 | $ 190,000 | $ 68,000 |
| Polk, Missouri | 2 | $ 1,810,000 | $ 905,000 | $ 0 |
| Stone, Missouri | 2 | $ 1,450,000 | $ 725,000 | $ 6,420,000 |
| Beaver, Pennsylvania | 2 | $ 8,420,000 | $ 4,210,000 | $ 0 |
| Nacogdoches, Texas | 2 | $ 2,240,000 | $ 1,120,000 | $ 0 |
| Washington, Arkansas | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Denver, Colorado | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| Whitfield, Georgia | 1 | $ 3,025,000 | $ 3,025,000 | $ 0 |
| Woodbury, Iowa | 1 | $ 2,115,000 | $ 2,115,000 | $ 0 |
| Leavenworth, Kansas | 1 | $ 1,895,000 | $ 1,895,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 5,115,000 | $ 5,115,000 | $ 0 |
| Terrebonne, Louisiana | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Barry, Missouri | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Boone, Missouri | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Camden, Missouri | 1 | $ 845,000 | $ 845,000 | $ 406,000 |
| Cass, Missouri | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Cedar, Missouri | 1 | $ 95,000 | $ 95,000 | $ 221,000 |
| Jackson, Missouri | 1 | $ 2,905,000 | $ 2,905,000 | $ 0 |
| Lawrence, Missouri | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Perry, Missouri | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Randolph, Missouri | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. Clair, Missouri | 1 | $ 125,000 | $ 125,000 | $ 22,000 |
| St. Francois, Missouri | 1 | $ 1,455,000 | $ 1,455,000 | $ 0 |
| Douglas, Nebraska | 1 | $ 3,275,000 | $ 3,275,000 | $ 0 |
| Cass, North Dakota | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Morton, North Dakota | 1 | $ 1,885,000 | $ 1,885,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 2,595,000 | $ 2,595,000 | $ 0 |
| Jackson, Oregon | 1 | $ 13,205,000 | $ 13,205,000 | $ 0 |
| Anderson, Texas | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Bowie, Texas | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Brazoria, Texas | 1 | $ 4,405,000 | $ 4,405,000 | $ 0 |
| Cass, Texas | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Dallas, Texas | 1 | $ 4,965,000 | $ 4,965,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 2,645,000 | $ 2,645,000 | $ 0 |
| Hidalgo, Texas | 1 | $ 4,705,000 | $ 4,705,000 | $ 0 |
| Jim Wells, Texas | 1 | $ 6,505,000 | $ 6,505,000 | $ 0 |
| Upshur, Texas | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Webb, Texas | 1 | $ 3,675,000 | $ 3,675,000 | $ 0 |
| Wood, Texas | 1 | $ 2,655,000 | $ 2,655,000 | $ 0 |
Mortgage Loan Application Detail Totals for Legacy Bank & Trust in 2024
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 78 | $95,190,000 | $1,220,000 | $13,205,000 | $384,000 | $6,420,000 |
| Refinancing | 25 | $12,045,000 | $481,000 | $6,465,000 | $102,000 | $267,000 |
| Home Improvement | 4 | $1,060,000 | $265,000 | $775,000 | $174,000 | $412,000 |
| Other Purpose | 1 | $5,000 | $5,000 | $5,000 | $39,000 | $39,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 57 | $98,645,000 | $1,730,000 | $13,205,000 | $0 | $0 |
| White | 47 | $9,045,000 | $192,000 | $1,255,000 | $294,000 | $6,420,000 |
| Hispanic | 3 | $425,000 | $141,000 | $245,000 | $78,000 | $78,000 |
| Asian | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 108 | $108,300,000 | $1,002,000 | $13,205,000 | $289,000 | $6,420,000 |
| 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 | $106,120,000 | $1,153,000 | $13,205,000 | $386,000 | $6,420,000 |
| Application Denied By Financial Institution | 10 | $1,340,000 | $134,000 | $335,000 | $59,000 | $117,000 |
| Application Withdrawn By Applicant | 3 | $305,000 | $101,000 | $245,000 | $39,000 | $39,000 |
| Application Approved But Not Accepted | 3 | $535,000 | $178,000 | $305,000 | $256,000 | $410,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 108 | $108,300,000 | $1,002,000 | $13,205,000 | $289,000 | $6,420,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Legacy Bank & Trust's 2024 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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