Heartland Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Heartland Bank 2009 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 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 | 3,477 |
| Total Mortgage Loan Application Amount | $650,402,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $4,524,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,620,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 1,330 | $ 271,193,000 | $ 203,000 | $ 105,000 |
| St. Charles County Missouri | 713 | $ 143,216,000 | $ 200,000 | $ 90,000 |
| St. Louis City County Missouri | 233 | $ 35,160,000 | $ 150,000 | $ 70,000 |
| Jefferson County Missouri | 209 | $ 32,210,000 | $ 154,000 | $ 67,000 |
| Greene County Missouri | 208 | $ 27,049,000 | $ 130,000 | $ 54,000 |
| Franklin County Missouri | 151 | $ 24,155,000 | $ 159,000 | $ 70,000 |
| Christian County Missouri | 91 | $ 11,918,000 | $ 130,000 | $ 48,000 |
| St. Clair County Illinois | 72 | $ 14,340,000 | $ 199,000 | $ 76,000 |
| Washtenaw County Michigan | 60 | $ 3,075,000 | $ 51,000 | $ 68,000 |
| Lincoln County Missouri | 30 | $ 5,002,000 | $ 166,000 | $ 66,000 |
| Denver County Colorado | 27 | $ 8,839,000 | $ 327,000 | $ 155,000 |
| Madison County Illinois | 27 | $ 4,846,000 | $ 179,000 | $ 88,000 |
| Douglas County Colorado | 18 | $ 5,992,000 | $ 332,000 | $ 183,000 |
| Warren County Missouri | 18 | $ 3,667,000 | $ 203,000 | $ 115,000 |
| Webster County Missouri | 16 | $ 1,993,000 | $ 124,000 | $ 35,000 |
| Camden County Missouri | 15 | $ 2,662,000 | $ 177,000 | $ 138,000 |
| Laclede County Missouri | 15 | $ 1,381,000 | $ 92,000 | $ 25,000 |
| Jefferson County Colorado | 11 | $ 3,332,000 | $ 302,000 | $ 118,000 |
| Lawrence County Missouri | 11 | $ 1,097,000 | $ 99,000 | $ 44,000 |
| El Paso County Colorado | 10 | $ 2,527,000 | $ 252,000 | $ 72,000 |
| Adams County Colorado | 9 | $ 2,271,000 | $ 252,000 | $ 138,000 |
| Monroe County Illinois | 9 | $ 1,655,000 | $ 183,000 | $ 72,000 |
| Boone County Missouri | 8 | $ 1,276,000 | $ 159,000 | $ 120,000 |
| Arapahoe County Colorado | 7 | $ 6,185,000 | $ 883,000 | $ 107,000 |
| Jasper County Missouri | 7 | $ 705,000 | $ 100,000 | $ 41,000 |
| Stone County Missouri | 7 | $ 1,413,000 | $ 201,000 | $ 86,000 |
| Crawford County Missouri | 6 | $ 772,000 | $ 128,000 | $ 62,000 |
| Polk County Missouri | 6 | $ 640,000 | $ 106,000 | $ 51,000 |
| St. Francois County Missouri | 6 | $ 712,000 | $ 118,000 | $ 50,000 |
| Larimer County Colorado | 5 | $ 974,000 | $ 194,000 | $ 68,000 |
| Middlesex County Massachusetts | 5 | $ 1,818,000 | $ 363,000 | $ 143,000 |
| Suffolk County Massachusetts | 5 | $ 1,935,000 | $ 387,000 | $ 146,000 |
| Clay County Missouri | 5 | $ 960,000 | $ 192,000 | $ 106,000 |
| Taney County Missouri | 4 | $ 996,000 | $ 249,000 | $ 125,000 |
| Johnson County Kansas | 3 | $ 852,000 | $ 284,000 | $ 96,000 |
| Hennepin County Minnesota | 3 | $ 774,000 | $ 258,000 | $ 159,000 |
| Gasconade County Missouri | 3 | $ 445,000 | $ 148,000 | $ 129,000 |
| Jackson County Missouri | 3 | $ 595,000 | $ 198,000 | $ 123,000 |
| Miller County Missouri | 3 | $ 60,000 | $ 20,000 | $ 63,000 |
| Wayne County Missouri | 3 | $ 234,000 | $ 78,000 | $ 53,000 |
| Benton County Arkansas | 2 | $ 780,000 | $ 390,000 | $ 145,000 |
| Greene County Arkansas | 2 | $ 412,000 | $ 206,000 | $ 98,000 |
| Washington County Arkansas | 2 | $ 302,000 | $ 151,000 | $ 72,000 |
| Boulder County Colorado | 2 | $ 233,000 | $ 116,000 | $ 97,000 |
| Grand County Colorado | 2 | $ 487,000 | $ 243,000 | $ 99,000 |
| Summit County Colorado | 2 | $ 648,000 | $ 324,000 | $ 103,000 |
| Weld County Colorado | 2 | $ 817,000 | $ 408,000 | $ 122,000 |
| Cook County Illinois | 2 | $ 828,000 | $ 414,000 | $ 167,000 |
| Dallas County Missouri | 2 | $ 391,000 | $ 195,000 | $ 61,000 |
| Morgan County Missouri | 2 | $ 305,000 | $ 152,000 | $ 111,000 |
| Osage County Missouri | 2 | $ 199,000 | $ 99,000 | $ 23,000 |
| Phelps County Missouri | 2 | $ 172,000 | $ 86,000 | $ 42,000 |
| Washington County Missouri | 2 | $ 340,000 | $ 170,000 | $ 38,000 |
| Union County North Carolina | 2 | $ 576,000 | $ 288,000 | $ 99,000 |
| Tulsa County Oklahoma | 2 | $ 293,000 | $ 146,000 | $ 0 |
| Dallas County Texas | 2 | $ 568,000 | $ 284,000 | $ 48,000 |
| Tarrant County Texas | 2 | $ 405,000 | $ 202,000 | $ 67,000 |
| Anchorage County Alaska | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 96,000 | $ 96,000 | $ 53,000 |
| Navajo County Arizona | 1 | $ 368,000 | $ 368,000 | $ 1,392,000 |
| Pinal County Arizona | 1 | $ 48,000 | $ 48,000 | $ 106,000 |
| Yavapai County Arizona | 1 | $ 241,000 | $ 241,000 | $ 237,000 |
| Lonoke County Arkansas | 1 | $ 159,000 | $ 159,000 | $ 53,000 |
| Contra Costa County California | 1 | $ 210,000 | $ 210,000 | $ 118,000 |
| Orange County California | 1 | $ 357,000 | $ 357,000 | $ 138,000 |
| Santa Clara County California | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Yolo County California | 1 | $ 520,000 | $ 520,000 | $ 141,000 |
| Broomfield County Colorado | 1 | $ 417,000 | $ 417,000 | $ 109,000 |
| Eagle County Colorado | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| Elbert County Colorado | 1 | $ 50,000 | $ 50,000 | $ 24,000 |
| Jackson County Colorado | 1 | $ 243,000 | $ 243,000 | $ 125,000 |
| Lake County Colorado | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Collier County Florida | 1 | $ 417,000 | $ 417,000 | $ 78,000 |
| Manatee County Florida | 1 | $ 417,000 | $ 417,000 | $ 162,000 |
| Okaloosa County Florida | 1 | $ 201,000 | $ 201,000 | $ 179,000 |
| Orange County Florida | 1 | $ 180,000 | $ 180,000 | $ 276,000 |
| Osceola County Florida | 1 | $ 132,000 | $ 132,000 | $ 165,000 |
| Fulton County Georgia | 1 | $ 96,000 | $ 96,000 | $ 92,000 |
| Gwinnett County Georgia | 1 | $ 211,000 | $ 211,000 | $ 109,000 |
| Champaign County Illinois | 1 | $ 241,000 | $ 241,000 | $ 75,000 |
| Franklin County Illinois | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Winnebago County Illinois | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 262,000 | $ 262,000 | $ 97,000 |
| Tipton County Indiana | 1 | $ 60,000 | $ 60,000 | $ 86,000 |
| Vigo County Indiana | 1 | $ 184,000 | $ 184,000 | $ 70,000 |
| Fayette County Iowa | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Jasper County Iowa | 1 | $ 98,000 | $ 98,000 | $ 119,000 |
| Marion County Iowa | 1 | $ 83,000 | $ 83,000 | $ 53,000 |
| Allen County Kansas | 1 | $ 184,000 | $ 184,000 | $ 99,000 |
| Cherokee County Kansas | 1 | $ 63,000 | $ 63,000 | $ 23,000 |
| Crawford County Kansas | 1 | $ 83,000 | $ 83,000 | $ 50,000 |
| Douglas County Kansas | 1 | $ 92,000 | $ 92,000 | $ 50,000 |
| Labette County Kansas | 1 | $ 116,000 | $ 116,000 | $ 15,000 |
| Henderson County Kentucky | 1 | $ 152,000 | $ 152,000 | $ 32,000 |
| Jefferson County Kentucky | 1 | $ 134,000 | $ 134,000 | $ 29,000 |
| Anne Arundel County Maryland | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Norfolk County Massachusetts | 1 | $ 284,000 | $ 284,000 | $ 71,000 |
| Plymouth County Massachusetts | 1 | $ 180,000 | $ 180,000 | $ 214,000 |
| Worcester County Massachusetts | 1 | $ 370,000 | $ 370,000 | $ 296,000 |
| Berrien County Michigan | 1 | $ 387,000 | $ 387,000 | $ 393,000 |
| Oakland County Michigan | 1 | $ 300,000 | $ 300,000 | $ 131,000 |
| Leflore County Mississippi | 1 | $ 166,000 | $ 166,000 | $ 37,000 |
| Cass County Missouri | 1 | $ 222,000 | $ 222,000 | $ 48,000 |
| Cole County Missouri | 1 | $ 43,000 | $ 43,000 | $ 10,000 |
| Henry County Missouri | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| Newton County Missouri | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Oregon County Missouri | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| Ozark County Missouri | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Pike County Missouri | 1 | $ 80,000 | $ 80,000 | $ 68,000 |
| Ste. Genevieve County Missouri | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Wright County Missouri | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Cheshire County New Hampshire | 1 | $ 272,000 | $ 272,000 | $ 50,000 |
| Hillsborough County New Hampshire | 1 | $ 340,000 | $ 340,000 | $ 133,000 |
| Gloucester County New Jersey | 1 | $ 306,000 | $ 306,000 | $ 90,000 |
| Hudson County New Jersey | 1 | $ 232,000 | $ 232,000 | $ 98,000 |
| Allegheny County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 213,000 |
| Spartanburg County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 99,000 |
| Davidson County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Robertson County Tennessee | 1 | $ 158,000 | $ 158,000 | $ 67,000 |
| Sumner County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Bexar County Texas | 1 | $ 99,000 | $ 99,000 | $ 152,000 |
| Collin County Texas | 1 | $ 250,000 | $ 250,000 | $ 128,000 |
| Harris County Texas | 1 | $ 212,000 | $ 212,000 | $ 85,000 |
| Van Zandt County Texas | 1 | $ 77,000 | $ 77,000 | $ 110,000 |
| Loudoun County Virginia | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 173,000 | $ 173,000 | $ 73,000 |
| Outagamie County Wisconsin | 1 | $ 167,000 | $ 167,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,309 | $456,635,000 | $197,000 | $1,200,000 | $96,000 | $1,620,000 |
| Home Purchase | 1,159 | $193,543,000 | $166,000 | $4,524,000 | $76,000 | $1,392,000 |
| Home Improvement | 9 | $224,000 | $24,000 | $80,000 | $74,000 | $131,000 |
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 | 3,201 | $598,522,000 | $186,000 | $1,980,000 | $90,000 | $1,620,000 |
| Black or African American | 99 | $16,432,000 | $165,000 | $525,000 | $62,000 | $269,000 |
| Not Provided | 64 | $8,854,000 | $138,000 | $460,000 | $81,000 | $507,000 |
| Asian | 55 | $12,610,000 | $229,000 | $1,200,000 | $110,000 | $649,000 |
| Hispanic | 30 | $5,871,000 | $195,000 | $606,000 | $98,000 | $366,000 |
| Not applicable | 21 | $6,587,000 | $313,000 | $4,524,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,306,000 | $217,000 | $327,000 | $88,000 | $112,000 |
| American Indian or Alaskan Native | 1 | $220,000 | $220,000 | $220,000 | $120,000 | $120,000 |
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) | 2,500 | $502,786,000 | $201,000 | $4,524,000 | $105,000 | $1,620,000 |
| FHA-insured (Federal Housing Administration) | 854 | $124,281,000 | $145,000 | $379,000 | $49,000 | $676,000 |
| VA-guaranteed (Veterans Administration) | 123 | $23,335,000 | $189,000 | $525,000 | $40,000 | $157,000 |
| 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 | 3,045 | $563,800,000 | $185,000 | $4,524,000 | $88,000 | $1,392,000 |
| Application Approved But Not Accepted | 213 | $40,107,000 | $188,000 | $968,000 | $85,000 | $881,000 |
| Application Withdrawn By Applicant | 199 | $43,163,000 | $216,000 | $1,980,000 | $114,000 | $1,620,000 |
| Application Denied By Financial Institution | 17 | $2,618,000 | $154,000 | $575,000 | $85,000 | $207,000 |
| Loan Purchased By The Institution | 3 | $714,000 | $238,000 | $366,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $649,000 | $162,000 | $380,000 | $111,000 | $160,000 |
| Other | 4 | $732,000 | $183,000 | $272,000 | $118,000 | $192,000 |
| Credit History | 3 | $119,000 | $39,000 | $74,000 | $34,000 | $40,000 |
| Debt-To-Income Ratio | 3 | $835,000 | $278,000 | $575,000 | $52,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $102,000 | $51,000 | $54,000 | $113,000 | $207,000 |
| Unverifiable Information | 1 | $181,000 | $181,000 | $181,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 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 2009 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.