Heartland Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Heartland Bank 2022 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 | Heartland Bank 430 N Hamilton Road Whitehall, OH 43213 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 | 1,471 |
| Total Mortgage Loan Application Amount | $435,885,000 |
| Average Mortgage Loan Application Amount | $224,000 |
| Highest Mortgage Loan Application Amount | $11,435,000 |
| Average Applicant Income | $159,200 |
| Highest Applicant Income | $5,207,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Heartland Bank. 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 Heartland Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Heartland Bank'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 Heartland Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Heartland Bank, 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 Heartland Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 587 | $ 162,525,000 | $ 276,000 | $ 160,000 |
| Kenton County Kentucky | 135 | $ 40,705,000 | $ 301,000 | $ 158,000 |
| Licking County Ohio | 109 | $ 23,865,000 | $ 218,000 | $ 158,000 |
| Boone County Kentucky | 107 | $ 26,765,000 | $ 250,000 | $ 152,000 |
| Delaware County Ohio | 75 | $ 34,895,000 | $ 465,000 | $ 223,000 |
| Campbell County Kentucky | 63 | $ 15,685,000 | $ 248,000 | $ 127,000 |
| Fairfield County Ohio | 53 | $ 13,055,000 | $ 246,000 | $ 166,000 |
| Hamilton County Ohio | 34 | $ 14,280,000 | $ 420,000 | $ 177,000 |
| Union County Ohio | 30 | $ 15,880,000 | $ 529,000 | $ 309,000 |
| Knox County Ohio | 22 | $ 2,550,000 | $ 115,000 | $ 80,000 |
| Clermont County Ohio | 19 | $ 4,665,000 | $ 245,000 | $ 161,000 |
| Hamilton County Indiana | 18 | $ 11,720,000 | $ 651,000 | $ 55,000 |
| Grant County Kentucky | 16 | $ 3,540,000 | $ 221,000 | $ 95,000 |
| Madison County Ohio | 14 | $ 5,870,000 | $ 419,000 | $ 203,000 |
| Warren County Ohio | 12 | $ 3,700,000 | $ 308,000 | $ 183,000 |
| Pickaway County Ohio | 11 | $ 2,065,000 | $ 187,000 | $ 121,000 |
| Morrow County Ohio | 10 | $ 3,010,000 | $ 301,000 | $ 126,000 |
| Greene County Ohio | 9 | $ 3,015,000 | $ 335,000 | $ 171,000 |
| Muskingum County Ohio | 9 | $ 1,105,000 | $ 122,000 | $ 100,000 |
| Pendleton County Kentucky | 8 | $ 1,530,000 | $ 191,000 | $ 112,000 |
| Butler County Ohio | 8 | $ 1,720,000 | $ 215,000 | $ 150,000 |
| Jefferson County Kentucky | 7 | $ 1,725,000 | $ 246,000 | $ 58,000 |
| Perry County Ohio | 7 | $ 2,085,000 | $ 297,000 | $ 145,000 |
| Lucas County Ohio | 6 | $ 440,000 | $ 73,000 | $ 113,000 |
| Clark County Ohio | 5 | $ 415,000 | $ 83,000 | $ 48,000 |
| Montgomery County Ohio | 5 | $ 3,335,000 | $ 667,000 | $ 224,000 |
| Cuyahoga County Ohio | 4 | $ 1,040,000 | $ 260,000 | $ 134,000 |
| Hocking County Ohio | 4 | $ 1,260,000 | $ 315,000 | $ 323,000 |
| Logan County Ohio | 4 | $ 360,000 | $ 90,000 | $ 133,000 |
| Collier County Florida | 3 | $ 1,225,000 | $ 408,000 | $ 335,000 |
| Marion County Indiana | 3 | $ 1,375,000 | $ 458,000 | $ 0 |
| Gallatin County Kentucky | 3 | $ 475,000 | $ 158,000 | $ 55,000 |
| Brown County Ohio | 3 | $ 275,000 | $ 91,000 | $ 111,000 |
| Marion County Ohio | 3 | $ 355,000 | $ 118,000 | $ 85,000 |
| Charlotte County Florida | 2 | $ 740,000 | $ 370,000 | $ 323,000 |
| Pinellas County Florida | 2 | $ 1,310,000 | $ 655,000 | $ 258,000 |
| Dearborn County Indiana | 2 | $ 270,000 | $ 135,000 | $ 78,000 |
| Johnson County Indiana | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Coshocton County Ohio | 2 | $ 90,000 | $ 45,000 | $ 116,000 |
| Fayette County Ohio | 2 | $ 550,000 | $ 275,000 | $ 95,000 |
| Gallia County Ohio | 2 | $ 150,000 | $ 75,000 | $ 104,000 |
| Mahoning County Ohio | 2 | $ 270,000 | $ 135,000 | $ 44,000 |
| Miami County Ohio | 2 | $ 460,000 | $ 230,000 | $ 85,000 |
| Ross County Ohio | 2 | $ 260,000 | $ 130,000 | $ 73,000 |
| Davidson County Tennessee | 2 | $ 940,000 | $ 470,000 | $ 279,000 |
| Union County Tennessee | 2 | $ 1,080,000 | $ 540,000 | $ 207,000 |
| Covington County Alabama | 1 | $ 105,000 | $ 105,000 | $ 195,000 |
| Boulder County Colorado | 1 | $ 1,055,000 | $ 1,055,000 | $ 379,000 |
| Larimer County Colorado | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Brevard County Florida | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Hernando County Florida | 1 | $ 145,000 | $ 145,000 | $ 105,000 |
| Manatee County Florida | 1 | $ 515,000 | $ 515,000 | $ 377,000 |
| Miami-Dade County Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 5,207,000 |
| Seminole County Florida | 1 | $ 665,000 | $ 665,000 | $ 294,000 |
| Walton County Florida | 1 | $ 685,000 | $ 685,000 | $ 449,000 |
| Forsyth County Georgia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Gwinnett County Georgia | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Jackson County Georgia | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Kane County Illinois | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Franklin County Indiana | 1 | $ 445,000 | $ 445,000 | $ 148,000 |
| Hendricks County Indiana | 1 | $ 275,000 | $ 275,000 | $ 305,000 |
| Bullitt County Kentucky | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Carroll County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Fayette County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Lincoln County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Mason County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Owen County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
| Robertson County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Woodford County Kentucky | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Jackson County Michigan | 1 | $ 665,000 | $ 665,000 | $ 253,000 |
| Montmorency County Michigan | 1 | $ 395,000 | $ 395,000 | $ 278,000 |
| Suffolk County New York | 1 | $ 1,995,000 | $ 1,995,000 | $ 1,023,000 |
| Brunswick County North Carolina | 1 | $ 1,175,000 | $ 1,175,000 | $ 434,000 |
| Wake County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 130,000 |
| Ashland County Ohio | 1 | $ 585,000 | $ 585,000 | $ 401,000 |
| Hardin County Ohio | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Ottawa County Ohio | 1 | $ 85,000 | $ 85,000 | $ 299,000 |
| Scioto County Ohio | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Seneca County Ohio | 1 | $ 3,155,000 | $ 3,155,000 | $ 0 |
| Stark County Ohio | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Summit County Ohio | 1 | $ 75,000 | $ 75,000 | $ 185,000 |
| Lancaster County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Charleston County South Carolina | 1 | $ 1,805,000 | $ 1,805,000 | $ 694,000 |
| McCormick County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Anderson County Tennessee | 1 | $ 785,000 | $ 785,000 | $ 264,000 |
| Campbell County Tennessee | 1 | $ 725,000 | $ 725,000 | $ 254,000 |
| Salt Lake County Utah | 1 | $ 485,000 | $ 485,000 | $ 156,000 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2022
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 | 672 | $304,530,000 | $453,000 | $11,435,000 | $187,000 | $5,207,000 |
| Other Purpose | 290 | $26,170,000 | $90,000 | $705,000 | $131,000 | $756,000 |
| Cash-out Refinancing | 198 | $53,480,000 | $270,000 | $2,645,000 | $166,000 | $3,018,000 |
| Refinancing | 187 | $40,095,000 | $214,000 | $3,395,000 | $165,000 | $2,352,000 |
| Home Improvement | 124 | $11,610,000 | $93,000 | $805,000 | $147,000 | $1,262,000 |
| 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 | 965 | $254,635,000 | $263,000 | $5,005,000 | $166,000 | $5,207,000 |
| Not Provided | 271 | $73,955,000 | $272,000 | $2,225,000 | $172,000 | $2,263,000 |
| Not applicable | 109 | $78,635,000 | $721,000 | $11,435,000 | $0 | $0 |
| Black or African American | 76 | $9,810,000 | $129,000 | $445,000 | $92,000 | $492,000 |
| Hispanic | 21 | $4,025,000 | $191,000 | $635,000 | $110,000 | $295,000 |
| Asian | 16 | $7,660,000 | $478,000 | $1,595,000 | $212,000 | $720,000 |
| American Indian or Alaskan Native | 6 | $340,000 | $56,000 | $85,000 | $106,000 | $242,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $460,000 | $230,000 | $385,000 | $208,000 | $270,000 |
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) | 1,437 | $427,545,000 | $297,000 | $11,435,000 | $166,000 | $5,207,000 |
| FHA-insured (Federal Housing Administration) | 17 | $3,635,000 | $213,000 | $555,000 | $86,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 13 | $3,815,000 | $293,000 | $485,000 | $278,000 | $2,352,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $890,000 | $222,000 | $275,000 | $85,000 | $95,000 |
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 | 996 | $292,580,000 | $293,000 | $11,435,000 | $169,000 | $5,207,000 |
| Application Denied By Financial Institution | 184 | $28,130,000 | $152,000 | $1,005,000 | $106,000 | $862,000 |
| Application Withdrawn By Applicant | 184 | $65,670,000 | $356,000 | $5,005,000 | $198,000 | $2,352,000 |
| Loan Purchased By The Institution | 63 | $32,455,000 | $515,000 | $1,095,000 | $0 | $0 |
| File Closed For Incompleteness | 29 | $12,795,000 | $441,000 | $4,005,000 | $288,000 | $3,929,000 |
| Application Approved But Not Accepted | 15 | $4,255,000 | $283,000 | $1,925,000 | $119,000 | $243,000 |
| 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 | 1,287 | $407,755,000 | $316,000 | $11,435,000 | $176,000 | $5,207,000 |
| Debt-To-Income Ratio | 86 | $13,120,000 | $152,000 | $1,005,000 | $70,000 | $260,000 |
| Credit History | 42 | $5,380,000 | $128,000 | $405,000 | $112,000 | $492,000 |
| Collateral | 34 | $5,470,000 | $160,000 | $975,000 | $171,000 | $862,000 |
| Unverifiable Information | 12 | $2,040,000 | $170,000 | $605,000 | $153,000 | $720,000 |
| Credit Application Incomplete | 5 | $845,000 | $169,000 | $365,000 | $80,000 | $216,000 |
| Other | 4 | $1,220,000 | $305,000 | $705,000 | $149,000 | $377,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank's 2022 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 Heartland 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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