Legacy Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Legacy Bank & Trust of Mountain Grove, MO reported 243 mortgage applications totaling $22.9 million, down 9% from 2006. The average application was for $94,209, and applicants reported an average income of $51,127. 81% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Springfield, MO (75) and Joplin, MO (1).
| 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 | 243 |
| Total Mortgage Loan Application Amount | $22,893,000 |
| Average Mortgage Loan Application Amount | $94,209 |
| Highest Mortgage Loan Application Amount | $384,000 |
| Average Applicant Income | $51,127 |
| Highest Applicant Income | $256,000 |
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Act (HMDA) records Legacy Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, MO | 75 | $ 8,006,000 | $ 106,746 | $ 52,000 |
| Joplin, MO | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Legacy Bank & Trust in 2007
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 | 156 | $16,465,000 | $105,000 | $384,000 | $50,000 | $148,000 |
| Home Purchase | 67 | $5,515,000 | $82,000 | $222,000 | $52,000 | $256,000 |
| Home Improvement | 20 | $913,000 | $45,000 | $228,000 | $57,000 | $185,000 |
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 | 218 | $21,202,000 | $97,000 | $384,000 | $53,000 | $256,000 |
| Not applicable | 14 | $720,000 | $51,000 | $72,000 | $29,000 | $83,000 |
| Not Provided | 8 | $870,000 | $108,000 | $240,000 | $44,000 | $93,000 |
| American Indian or Alaskan Native | 2 | $76,000 | $38,000 | $63,000 | $27,000 | $47,000 |
| Hispanic | 1 | $25,000 | $25,000 | $25,000 | $47,000 | $47,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 243 | $22,893,000 | $94,000 | $384,000 | $51,000 | $256,000 |
| 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 | 196 | $18,794,000 | $95,000 | $384,000 | $54,000 | $256,000 |
| Application Denied By Financial Institution | 37 | $2,934,000 | $79,000 | $212,000 | $35,000 | $93,000 |
| Application Withdrawn By Applicant | 7 | $805,000 | $115,000 | $300,000 | $54,000 | $84,000 |
| Application Approved But Not Accepted | 2 | $229,000 | $114,000 | $155,000 | $21,000 | $23,000 |
| File Closed For Incompleteness | 1 | $131,000 | $131,000 | $131,000 | $91,000 | $91,000 |
| 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 2007 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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