Legacy Bank & Trust Company Mortgage Rates, Fees & Info
Rogersville, MOLEI: 549300RDN1T32WR2WF91
Tax ID: 44-0162310
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Legacy Bank & Trust Company is a smaller bank specializing in Home Purchase loans. Legacy Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Medford, Pittsburgh, Springfield, Houston, and Alice among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)Legacy Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
92Origination Dollar Volume (All Markets)
$106,120,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MEDFORD, OR (FHA|USDA|VA) | 1 | $13,205,000 | $13,205,000 | $0 | 0.00% |
| Outside of Metro Areas | 32 | $10,030,000 | $313,438 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $8,420,000 | $4,210,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 30 | $8,230,000 | $274,333 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $7,050,000 | $3,525,000 | $0 | 0.00% |
| Alice, TX (FHA|USDA|VA) | 1 | $6,505,000 | $6,505,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $0 | 0.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $5,115,000 | $5,115,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $5,065,000 | $1,688,333 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $4,965,000 | $4,965,000 | $0 | 0.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $4,705,000 | $4,705,000 | $0 | 0.00% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $3,675,000 | $3,675,000 | $0 | 0.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $3,275,000 | $3,275,000 | $0 | 0.00% |
| DALTON, GA (FHA|USDA|VA) | 1 | $3,025,000 | $3,025,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $2,595,000 | $2,595,000 | $0 | 0.00% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $2,240,000 | $1,120,000 | $0 | 0.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $2,115,000 | $2,115,000 | $0 | 0.00% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $1,885,000 | $1,885,000 | $0 | 0.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 0.00% |
| Palestine, TX (FHA|USDA|VA) | 1 | $1,135,000 | $1,135,000 | $0 | 0.00% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $0 | 0.00% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Moberly, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 92 | $106,120,000 | $1,153,478 | $0 | 0.00% |
For 2024, Legacy Bank & Trust Company's most frequently originated type of loan was Conventional, with 92 originations.
Loan Reason
For 2024, Legacy Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Refi, with 21 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 92 | $106,120,000 | $1,153,478 | $0 | 0.00% |
For 2024, Legacy Bank & Trust Company's most frequently cited loan duration was Other, with 92 originations.
Loan Sizing
2024 saw Legacy Bank & Trust Company place emphasis on $1MM+ loans with 28 originations, totaling $91,230,000 in origination value.
Applicant Income
Legacy Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 8 originations. The second most popular income band? $50k-75k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 92 | $106,120,000 | $1,153,478 | $0 | 0.00% |
Legacy Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 92 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.74%
Legacy Bank & Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination93.48%
Legacy Bank & Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 92 | $106,120,000 | $1,153,478 |