Heartland Bank Mortgage Lending & HMDA Data, 2006
In 2006, Heartland Bank of Clayton, MO reported 833 mortgage applications totaling $140.2 million, down 21% from 2005. The average application was for $168,331, and applicants reported an average income of $70,249. 74% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (682), Denver-Aurora, CO (17) and Atlanta-Sandy Springs-Marietta, GA (3) (applications in parentheses).
| Mortgage Company & Address | Heartland Bank 212 South Central Clayton, MO 63105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 833 |
| Total Mortgage Loan Application Amount | $140,220,000 |
| Average Mortgage Loan Application Amount | $168,331 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $70,249 |
| Highest Applicant Income | $1,256,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Heartland Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Louis, Missouri | 332 | $ 53,841,000 | $ 162,171 | $ 67,000 |
| St. Charles, Missouri | 107 | $ 17,524,000 | $ 163,775 | $ 80,000 |
| St. Louis City, Missouri | 100 | $ 13,228,000 | $ 132,280 | $ 39,000 |
| Franklin, Missouri | 59 | $ 8,230,000 | $ 139,491 | $ 65,000 |
| Jefferson, Missouri | 59 | $ 8,032,000 | $ 136,135 | $ 89,000 |
| Warren, Missouri | 8 | $ 1,125,000 | $ 140,625 | $ 67,000 |
| Denver, Colorado | 7 | $ 3,762,000 | $ 537,428 | $ 204,000 |
| St. Clair, Illinois | 6 | $ 1,472,000 | $ 245,333 | $ 69,000 |
| Lincoln, Missouri | 6 | $ 1,930,000 | $ 321,666 | $ 45,000 |
| Madison, Illinois | 5 | $ 726,000 | $ 145,200 | $ 67,000 |
| Douglas, Colorado | 4 | $ 2,555,000 | $ 638,750 | $ 350,000 |
| Jefferson, Colorado | 3 | $ 737,000 | $ 245,666 | $ 45,000 |
| Fulton, Georgia | 3 | $ 668,000 | $ 222,666 | $ 86,000 |
| Camden, Missouri | 3 | $ 362,000 | $ 120,666 | $ 49,000 |
| St. Francois, Missouri | 3 | $ 308,000 | $ 102,666 | $ 45,000 |
| Arapahoe, Colorado | 2 | $ 3,175,000 | $ 1,587,500 | $ 23,000 |
| Eagle, Colorado | 2 | $ 804,000 | $ 402,000 | $ 129,000 |
| Hillsborough, Florida | 2 | $ 311,000 | $ 155,500 | $ 73,000 |
| Oakland, Michigan | 2 | $ 261,000 | $ 130,500 | $ 83,000 |
| Miller, Missouri | 2 | $ 552,000 | $ 276,000 | $ 169,000 |
| Montgomery, Missouri | 2 | $ 157,000 | $ 78,500 | $ 47,000 |
| Shelby, Tennessee | 2 | $ 329,000 | $ 164,500 | $ 137,000 |
| Tarrant, Texas | 2 | $ 570,000 | $ 285,000 | $ 133,000 |
| Cleburne, Arkansas | 1 | $ 200,000 | $ 200,000 | $ 227,000 |
| Contra Costa, California | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Adams, Colorado | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Chaffee, Colorado | 1 | $ 216,000 | $ 216,000 | $ 76,000 |
| Leon, Florida | 1 | $ 188,000 | $ 188,000 | $ 82,000 |
| Cook, Illinois | 1 | $ 262,000 | $ 262,000 | $ 138,000 |
| Sangamon, Illinois | 1 | $ 146,000 | $ 146,000 | $ 67,000 |
| East Baton Rouge, Louisiana | 1 | $ 159,000 | $ 159,000 | $ 63,000 |
| Chariton, Missouri | 1 | $ 38,000 | $ 38,000 | $ 1,138,000 |
| Crawford, Missouri | 1 | $ 133,000 | $ 133,000 | $ 39,000 |
| Gasconade, Missouri | 1 | $ 171,000 | $ 171,000 | $ 137,000 |
| Iron, Missouri | 1 | $ 68,000 | $ 68,000 | $ 42,000 |
| Jackson, Missouri | 1 | $ 42,000 | $ 42,000 | $ 102,000 |
| Morgan, Missouri | 1 | $ 720,000 | $ 720,000 | $ 158,000 |
| Ste. Genevieve, Missouri | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Texas, Missouri | 1 | $ 161,000 | $ 161,000 | $ 74,000 |
| Clark, Nevada | 1 | $ 297,000 | $ 297,000 | $ 36,000 |
| Suffolk, New York | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Portage, Ohio | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Davidson, Tennessee | 1 | $ 206,000 | $ 206,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2006
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 | 526 | $87,907,000 | $167,000 | $3,000,000 | $70,000 | $1,256,000 |
| Refinancing | 255 | $50,103,000 | $196,000 | $6,000,000 | $70,000 | $730,000 |
| Home Improvement | 52 | $2,210,000 | $42,000 | $350,000 | $74,000 | $170,000 |
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 | 604 | $100,515,000 | $166,000 | $980,000 | $89,000 | $1,256,000 |
| Not applicable | 173 | $29,215,000 | $168,000 | $6,000,000 | $0 | $0 |
| Black or African American | 36 | $4,963,000 | $137,000 | $300,000 | $79,000 | $300,000 |
| Not Provided | 7 | $3,351,000 | $478,000 | $994,000 | $210,000 | $730,000 |
| Asian | 6 | $1,053,000 | $175,000 | $348,000 | $89,000 | $173,000 |
| Hispanic | 5 | $613,000 | $122,000 | $205,000 | $44,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $510,000 | $255,000 | $417,000 | $12,000 | $25,000 |
| American Indian or Alaskan Native | 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) | 765 | $130,897,000 | $171,000 | $6,000,000 | $72,000 | $1,256,000 |
| FHA-insured (Federal Housing Administration) | 50 | $6,621,000 | $132,000 | $217,000 | $51,000 | $146,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,702,000 | $150,000 | $228,000 | $61,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 616 | $105,334,000 | $170,000 | $6,000,000 | $69,000 | $1,256,000 |
| Preapproval Approved but not Accepted | 87 | $14,521,000 | $166,000 | $641,000 | $64,000 | $240,000 |
| Application Withdrawn By Applicant | 58 | $9,107,000 | $157,000 | $935,000 | $80,000 | $500,000 |
| Application Approved But Not Accepted | 53 | $9,513,000 | $179,000 | $415,000 | $92,000 | $516,000 |
| Application Denied By Financial Institution | 15 | $1,038,000 | $69,000 | $348,000 | $72,000 | $137,000 |
| Preapproval Denied by Financial Institution | 4 | $707,000 | $176,000 | $220,000 | $50,000 | $70,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 10 | $713,000 | $71,000 | $348,000 | $70,000 | $105,000 |
| Collateral | 4 | $269,000 | $67,000 | $171,000 | $91,000 | $137,000 |
| Debt-To-Income Ratio | 3 | $558,000 | $186,000 | $220,000 | $43,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $205,000 | $102,000 | $129,000 | $44,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank's 2006 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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