Legend Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

Legend Bank, N.A. 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Legend Bank, N.A.
101 Tarrant St
Bowie, TX 76230
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 183
Total Mortgage Loan Application Amount $16,476,000
Average Mortgage Loan Application Amount $92,200
Highest Mortgage Loan Application Amount $1,550,000
Average Applicant Income $58,400
Highest Applicant Income $555,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Legend Bank, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Legend Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2005 breaks down Legend Bank, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Legend Bank, N.A. serves its applicants.

Each category highlights the total number of mortgage applications processed by Legend Bank, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Legend Bank, N.A.'s mortgage activity for 2005.

Mortgage Loan Application Totals for Legend Bank, N.A. by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Montague County Texas 74 $ 5,062,000 $ 68,000 $ 91,000
Wise County Texas 55 $ 6,981,000 $ 126,000 $ 60,000
Liberty County Texas 17 $ 1,173,000 $ 69,000 $ 67,000
Clay County Texas 14 $ 729,000 $ 52,000 $ 44,000
Tarrant County Texas 3 $ 337,000 $ 112,000 $ 82,000
Cooke County Texas 2 $ 429,000 $ 214,000 $ 88,000
Harris County Texas 2 $ 108,000 $ 54,000 $ 65,000
Jefferson County Oklahoma 1 $ 124,000 $ 124,000 $ 43,000
Denton County Texas 1 $ 94,000 $ 94,000 $ 82,000
Montgomery County Texas 1 $ 179,000 $ 179,000 $ 115,000
Wichita County Texas 1 $ 15,000 $ 15,000 $ 18,000

Mortgage Loan Application Detail Totals for Legend Bank, N.A. in 2005

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 123 $11,516,000 $97,500 $835,000 $61,000 $481,000
Refinancing 37 $4,444,000 $122,000 $1,550,000 $56,000 $555,000
Home Improvement 23 $516,000 $22,000 $80,000 $58,000 $143,000

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 170 $15,055,000 $104,666 $1,550,000 $49,000 $555,000
Hispanic 9 $435,000 $48,000 $114,000 $31,000 $49,000
Not applicable 2 $910,000 $455,000 $835,000 $373,000 $481,000
Black or African American 1 $13,000 $13,000 $13,000 $105,000 $105,000
American Indian or Alaskan Native 1 $63,000 $63,000 $63,000 $50,000 $50,000
Asian 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) 183 $16,476,000 $105,000 $1,550,000 $52,333 $555,000
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 132 $12,107,000 $107,500 $1,550,000 $59,000 $555,000
Application Denied By Financial Institution 25 $1,841,000 $73,000 $835,000 $67,000 $481,000
Application Approved But Not Accepted 13 $1,213,000 $93,000 $212,000 $64,000 $170,000
Preapproval Approved but not Accepted 6 $874,000 $145,000 $300,000 $57,000 $99,000
Preapproval Denied by Financial Institution 6 $371,000 $61,000 $149,000 $38,000 $59,000
Application Withdrawn By Applicant 1 $70,000 $70,000 $70,000 $58,000 $58,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The 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
Credit History 20 $747,000 $32,000 $137,000 $41,000 $102,000
Collateral 4 $973,000 $243,000 $835,000 $165,000 $481,000
Debt-To-Income Ratio 3 $194,000 $71,500 $96,000 $30,000 $53,000
Employment History 2 $94,000 $47,000 $80,000 $22,000 $36,000
Insufficient Cash (Downpayment, Closing Cost) 2 $204,000 $102,000 $149,000 $46,000 $59,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Legend Bank, N.A.'s 2005 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 Legend Bank, N.A.'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 Texas, download the full spreadsheet with aggregated HMDA statistics today.

Download the Texas Lender List