Legacytexas Bank Mortgage Lending & HMDA Data, 2019
In 2019, Legacytexas Bank of Plano, TX reported 3,158 mortgage applications totaling $1.1 billion, down 5% from 2018. The average application was for $341,633, and applicants reported an average income of $141,785. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,862), Fort Worth-Arlington, TX (1,122) and Houston-The Woodlands-Sugar Land, TX (20) (applications in parentheses).
| Mortgage Company & Address | Legacytexas Bank 5851 Legacy Circle, Suite 1200 Plano, TX 75024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 3,158 |
| Total Mortgage Loan Application Amount | $1,078,880,000 |
| Average Mortgage Loan Application Amount | $341,633 |
| Highest Mortgage Loan Application Amount | $37,715,000 |
| Average Applicant Income | $141,785 |
| Highest Applicant Income | $3,997,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Legacytexas Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tarrant, Texas | 940 | $ 287,350,000 | $ 305,691 | $ 148,000 |
| Dallas, Texas | 903 | $ 332,745,000 | $ 368,488 | $ 106,000 |
| Collin, Texas | 596 | $ 122,090,000 | $ 204,848 | $ 146,000 |
| Denton, Texas | 285 | $ 61,635,000 | $ 216,263 | $ 169,000 |
| Parker, Texas | 133 | $ 41,655,000 | $ 313,195 | $ 188,000 |
| Johnson, Texas | 38 | $ 7,210,000 | $ 189,736 | $ 109,000 |
| Ellis, Texas | 32 | $ 17,840,000 | $ 557,500 | $ 101,000 |
| Rockwall, Texas | 20 | $ 4,520,000 | $ 226,000 | $ 194,000 |
| Grayson, Texas | 16 | $ 5,110,000 | $ 319,375 | $ 149,000 |
| Harris, Texas | 15 | $ 92,115,000 | $ 6,141,000 | $ 163,000 |
| Kaufman, Texas | 15 | $ 2,315,000 | $ 154,333 | $ 111,000 |
| Hood, Texas | 11 | $ 3,515,000 | $ 319,545 | $ 193,000 |
| Hunt, Texas | 11 | $ 1,995,000 | $ 181,363 | $ 81,000 |
| Travis, Texas | 11 | $ 4,065,000 | $ 369,545 | $ 336,000 |
| Wise, Texas | 11 | $ 1,085,000 | $ 98,636 | $ 99,000 |
| Bexar, Texas | 8 | $ 35,240,000 | $ 4,405,000 | $ 107,000 |
| Palo Pinto, Texas | 8 | $ 3,150,000 | $ 393,750 | $ 383,000 |
| Williamson, Texas | 7 | $ 2,475,000 | $ 353,571 | $ 166,000 |
| Jack, Texas | 6 | $ 770,000 | $ 128,333 | $ 62,000 |
| Davidson, Tennessee | 5 | $ 1,335,000 | $ 267,000 | $ 265,000 |
| Franklin, Texas | 5 | $ 3,555,000 | $ 711,000 | $ 539,000 |
| Brazos, Texas | 4 | $ 720,000 | $ 180,000 | $ 223,000 |
| Fannin, Texas | 4 | $ 440,000 | $ 110,000 | $ 78,000 |
| Galveston, Texas | 4 | $ 19,300,000 | $ 4,825,000 | $ 79,000 |
| Henderson, Texas | 4 | $ 1,670,000 | $ 417,500 | $ 240,000 |
| Cooke, Texas | 3 | $ 295,000 | $ 98,333 | $ 122,000 |
| Midland, Texas | 3 | $ 935,000 | $ 311,666 | $ 196,000 |
| Maricopa, Arizona | 2 | $ 560,000 | $ 280,000 | $ 101,000 |
| La Plata, Colorado | 2 | $ 970,000 | $ 485,000 | $ 2,148,000 |
| Mercer, New Jersey | 2 | $ 930,000 | $ 465,000 | $ 146,000 |
| McCurtain, Oklahoma | 2 | $ 630,000 | $ 315,000 | $ 194,000 |
| Cameron, Texas | 2 | $ 720,000 | $ 360,000 | $ 290,000 |
| Lubbock, Texas | 2 | $ 270,000 | $ 135,000 | $ 120,000 |
| Nolan, Texas | 2 | $ 220,000 | $ 110,000 | $ 108,000 |
| Smith, Texas | 2 | $ 240,000 | $ 120,000 | $ 71,000 |
| Yavapai, Arizona | 1 | $ 215,000 | $ 215,000 | $ 353,000 |
| Douglas, Colorado | 1 | $ 425,000 | $ 425,000 | $ 125,000 |
| Brevard, Florida | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Walton, Florida | 1 | $ 2,255,000 | $ 2,255,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 455,000 | $ 455,000 | $ 126,000 |
| Oconee, Georgia | 1 | $ 295,000 | $ 295,000 | $ 195,000 |
| Rabun, Georgia | 1 | $ 445,000 | $ 445,000 | $ 277,000 |
| Ada, Idaho | 1 | $ 325,000 | $ 325,000 | $ 166,000 |
| St. Tammany, Louisiana | 1 | $ 295,000 | $ 295,000 | $ 152,000 |
| Cumberland, Maine | 1 | $ 395,000 | $ 395,000 | $ 280,000 |
| Jackson, Missouri | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Maries, Missouri | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| Taos, New Mexico | 1 | $ 355,000 | $ 355,000 | $ 452,000 |
| Durham, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 218,000 |
| Payne, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Sequoyah, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Charleston, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Greenville, South Carolina | 1 | $ 425,000 | $ 425,000 | $ 85,000 |
| Montgomery, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 323,000 |
| Bandera, Texas | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Bell, Texas | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Blanco, Texas | 1 | $ 215,000 | $ 215,000 | $ 204,000 |
| Bosque, Texas | 1 | $ 205,000 | $ 205,000 | $ 300,000 |
| Bowie, Texas | 1 | $ 215,000 | $ 215,000 | $ 441,000 |
| Burnet, Texas | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Ector, Texas | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Erath, Texas | 1 | $ 355,000 | $ 355,000 | $ 110,000 |
| Gregg, Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hill, Texas | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Jackson, Texas | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Jefferson, Texas | 1 | $ 7,005,000 | $ 7,005,000 | $ 0 |
| Kerr, Texas | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Llano, Texas | 1 | $ 125,000 | $ 125,000 | $ 115,000 |
| McLennan, Texas | 1 | $ 175,000 | $ 175,000 | $ 242,000 |
| Montgomery, Texas | 1 | $ 385,000 | $ 385,000 | $ 178,000 |
| Navarro, Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Nueces, Texas | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Rains, Texas | 1 | $ 265,000 | $ 265,000 | $ 94,000 |
| Somervell, Texas | 1 | $ 445,000 | $ 445,000 | $ 165,000 |
| Van Zandt, Texas | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Wichita, Texas | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Wood, Texas | 1 | $ 175,000 | $ 175,000 | $ 158,000 |
| Young, Texas | 1 | $ 285,000 | $ 285,000 | $ 200,000 |
| Henrico, Virginia | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Legacytexas Bank in 2019
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 | 1,805 | $830,715,000 | $460,000 | $37,715,000 | $127,000 | $3,997,000 |
| Home Improvement | 581 | $37,285,000 | $64,000 | $585,000 | $160,000 | $1,470,000 |
| Cash-out Refinancing | 327 | $91,525,000 | $279,000 | $2,255,000 | $182,000 | $1,762,000 |
| Refinancing | 283 | $110,485,000 | $390,000 | $14,005,000 | $171,000 | $987,000 |
| Other Purpose | 162 | $8,870,000 | $54,000 | $405,000 | $109,000 | $1,084,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,432 | $369,790,000 | $258,000 | $1,765,000 | $176,000 | $3,997,000 |
| Hispanic | 957 | $147,545,000 | $154,000 | $1,505,000 | $69,000 | $998,000 |
| Not Provided | 383 | $115,755,000 | $302,000 | $3,445,000 | $196,000 | $2,279,000 |
| Not applicable | 155 | $400,545,000 | $2,584,000 | $37,715,000 | $0 | $0 |
| Black or African American | 116 | $24,200,000 | $208,000 | $1,545,000 | $168,000 | $3,796,000 |
| Asian | 90 | $16,570,000 | $184,000 | $655,000 | $141,000 | $499,000 |
| American Indian or Alaskan Native | 19 | $2,555,000 | $134,000 | $555,000 | $108,000 | $224,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $78,000 | $78,000 |
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) | 3,016 | $1,041,120,000 | $345,000 | $37,715,000 | $144,000 | $3,997,000 |
| FHA-insured (Federal Housing Administration) | 97 | $23,675,000 | $244,000 | $405,000 | $88,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 40 | $13,210,000 | $330,000 | $1,015,000 | $124,000 | $660,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $875,000 | $175,000 | $215,000 | $67,000 | $72,000 |
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 | 2,308 | $915,120,000 | $396,000 | $37,715,000 | $145,000 | $3,997,000 |
| Application Approved But Not Accepted | 454 | $113,110,000 | $249,000 | $1,545,000 | $151,000 | $950,000 |
| Application Denied By Financial Institution | 370 | $32,890,000 | $88,000 | $825,000 | $115,000 | $914,000 |
| Loan Purchased By The Institution | 22 | $17,480,000 | $794,000 | $1,745,000 | $0 | $0 |
| Application Withdrawn By Applicant | 4 | $280,000 | $70,000 | $155,000 | $95,000 | $138,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,788 | $1,045,990,000 | $375,000 | $37,715,000 | $146,000 | $3,997,000 |
| Debt-To-Income Ratio | 180 | $15,600,000 | $86,000 | $825,000 | $81,000 | $480,000 |
| Collateral | 77 | $6,345,000 | $82,000 | $505,000 | $179,000 | $914,000 |
| Credit History | 74 | $4,940,000 | $66,000 | $455,000 | $154,000 | $801,000 |
| Unverifiable Information | 14 | $2,170,000 | $155,000 | $255,000 | $54,000 | $139,000 |
| Other | 9 | $1,345,000 | $149,000 | $245,000 | $59,000 | $125,000 |
| Employment History | 9 | $1,015,000 | $112,000 | $245,000 | $94,000 | $245,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,475,000 | $210,000 | $365,000 | $74,000 | $194,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Legacytexas Bank's 2019 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 Legacytexas Bank'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.
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