Legacy Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Legacy Bank & Trust of Mountain Grove, MO reported 188 mortgage applications totaling $26.3 million, up 9% from 2016. The average application was for $139,845, and applicants reported an average income of $50,228. 88% of its applications resulted in an originated loan and 6% were denied. Its largest market was Springfield, MO (109).
| 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 | 188 |
| Total Mortgage Loan Application Amount | $26,291,000 |
| Average Mortgage Loan Application Amount | $139,845 |
| Highest Mortgage Loan Application Amount | $3,362,000 |
| Average Applicant Income | $50,228 |
| Highest Applicant Income | $709,000 |
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Act (HMDA) records Legacy Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 109 | $ 16,239,000 | $ 148,981 | $ 35,000 |
Mortgage Loan Application Detail Totals for Legacy Bank & Trust in 2017
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 | 102 | $12,419,000 | $121,000 | $884,000 | $59,000 | $709,000 |
| Refinancing | 47 | $12,162,000 | $258,000 | $3,362,000 | $43,000 | $357,000 |
| Home Improvement | 39 | $1,710,000 | $43,000 | $445,000 | $36,000 | $163,000 |
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 | 109 | $12,678,000 | $116,000 | $965,000 | $85,000 | $709,000 |
| Not applicable | 74 | $13,400,000 | $181,000 | $3,362,000 | $0 | $0 |
| Black or African American | 4 | $193,000 | $48,000 | $65,000 | $44,000 | $44,000 |
| Asian | 1 | $20,000 | $20,000 | $20,000 | $14,000 | $14,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 185 | $25,366,000 | $137,000 | $3,362,000 | $49,000 | $709,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $925,000 | $308,000 | $460,000 | $107,000 | $237,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 166 | $23,376,000 | $140,000 | $3,362,000 | $51,000 | $709,000 |
| Application Denied By Financial Institution | 11 | $591,000 | $53,000 | $248,000 | $43,000 | $105,000 |
| Application Approved But Not Accepted | 7 | $1,737,000 | $248,000 | $600,000 | $11,000 | $60,000 |
| Application Withdrawn By Applicant | 4 | $587,000 | $146,000 | $357,000 | $105,000 | $220,000 |
| 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 2017 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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