Heartland Bank Mortgage Lending & HMDA Data, 2008
In 2008, Heartland Bank of Clayton, MO reported 1,733 mortgage applications totaling $355.2 million, down 35% from 2007. The average application was for $204,961, and applicants reported an average income of $94,033. 78% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (1,438), Springfield, MO (72) and Kansas City, MO-KS (54) (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 | 1,733 |
| Total Mortgage Loan Application Amount | $355,199,000 |
| Average Mortgage Loan Application Amount | $204,961 |
| Highest Mortgage Loan Application Amount | $4,400,000 |
| Average Applicant Income | $94,033 |
| Highest Applicant Income | $2,715,000 |
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Act (HMDA) records Heartland Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 1,438 | $ 289,282,000 | $ 201,169 | $ 89,521 |
| Springfield, MO | 72 | $ 10,215,000 | $ 141,875 | $ 49,000 |
| Kansas City, MO-KS | 54 | $ 10,436,000 | $ 193,259 | $ 89,037 |
| Denver-Aurora, CO | 29 | $ 14,129,000 | $ 487,206 | $ 265,000 |
| Chicago-Naperville-Joliet, IL | 6 | $ 1,594,000 | $ 265,666 | $ 202,000 |
| Columbia, MO | 6 | $ 1,261,000 | $ 210,166 | $ 165,000 |
| Baltimore-Towson, MD | 3 | $ 736,000 | $ 245,333 | $ 123,000 |
| Colorado Springs, CO | 3 | $ 682,000 | $ 227,333 | $ 70,000 |
| Evansville, IN-KY | 3 | $ 741,000 | $ 247,000 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 585,000 | $ 195,000 | $ 148,000 |
| Tulsa, OK | 3 | $ 408,000 | $ 136,000 | $ 31,000 |
| Wichita, KS | 3 | $ 419,000 | $ 139,666 | $ 49,000 |
| Dallas-Plano-Irving, TX | 2 | $ 474,000 | $ 237,000 | $ 93,000 |
| Fort Smith, AR-OK | 2 | $ 113,000 | $ 56,500 | $ 71,000 |
| Jacksonville, FL | 2 | $ 834,000 | $ 417,000 | $ 149,000 |
| Lawrence, KS | 2 | $ 261,000 | $ 130,500 | $ 88,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 346,000 | $ 173,000 | $ 62,000 |
| Albuquerque, NM | 1 | $ 167,000 | $ 167,000 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 410,000 | $ 410,000 | $ 119,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 225,000 | $ 225,000 | $ 200,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 179,000 | $ 179,000 | $ 131,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 107,000 | $ 107,000 | $ 48,000 |
| Champaign-Urbana, IL | 1 | $ 240,000 | $ 240,000 | $ 75,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 203,000 | $ 203,000 | $ 101,000 |
| Columbus, OH | 1 | $ 156,000 | $ 156,000 | $ 68,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 370,000 | $ 370,000 | $ 157,000 |
| Fort Collins-Loveland, CO | 1 | $ 278,000 | $ 278,000 | $ 72,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 163,000 | $ 163,000 | $ 48,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 200,000 | $ 200,000 | $ 179,000 |
| Fort Worth-Arlington, TX | 1 | $ 299,000 | $ 299,000 | $ 131,000 |
| Greeley, CO | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 822,000 | $ 822,000 | $ 240,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 208,000 | $ 208,000 | $ 78,000 |
| Indianapolis-Carmel, IN | 1 | $ 269,000 | $ 269,000 | $ 117,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Monroe, MI | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Naples-Marco Island, FL | 1 | $ 510,000 | $ 510,000 | $ 206,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 236,000 | $ 236,000 | $ 122,000 |
| Oklahoma City, OK | 1 | $ 79,000 | $ 79,000 | $ 110,000 |
| Orlando-Kissimmee, FL | 1 | $ 300,000 | $ 300,000 | $ 88,000 |
| Peoria, IL | 1 | $ 278,000 | $ 278,000 | $ 174,000 |
| Philadelphia, PA | 1 | $ 158,000 | $ 158,000 | $ 38,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 760,000 | $ 760,000 | $ 1,114,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 417,000 | $ 417,000 | $ 95,000 |
| San Antonio, TX | 1 | $ 202,000 | $ 202,000 | $ 150,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 253,000 | $ 253,000 | $ 63,000 |
| Spokane, WA | 1 | $ 221,000 | $ 221,000 | $ 80,000 |
| Topeka, KS | 1 | $ 162,000 | $ 162,000 | $ 49,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Winston-Salem, NC | 1 | $ 163,000 | $ 163,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2008
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 | 856 | $168,988,000 | $197,000 | $4,400,000 | $92,000 | $1,800,000 |
| Refinancing | 847 | $184,368,000 | $217,000 | $1,500,000 | $94,000 | $696,000 |
| Home Improvement | 30 | $1,843,000 | $61,000 | $881,000 | $153,000 | $2,715,000 |
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 | 1,505 | $310,360,000 | $206,000 | $2,765,000 | $97,000 | $2,715,000 |
| Not Provided | 76 | $11,929,000 | $156,000 | $700,000 | $91,000 | $433,000 |
| Black or African American | 69 | $13,837,000 | $200,000 | $582,000 | $74,000 | $320,000 |
| Not applicable | 39 | $8,575,000 | $219,000 | $4,400,000 | $0 | $0 |
| Asian | 23 | $6,642,000 | $288,000 | $1,730,000 | $125,000 | $826,000 |
| Hispanic | 20 | $3,762,000 | $188,000 | $417,000 | $90,000 | $200,000 |
| American Indian or Alaskan Native | 1 | $94,000 | $94,000 | $94,000 | $37,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,307 | $288,326,000 | $220,000 | $4,400,000 | $107,000 | $2,715,000 |
| FHA-insured (Federal Housing Administration) | 376 | $56,583,000 | $150,000 | $286,000 | $54,000 | $178,000 |
| VA-guaranteed (Veterans Administration) | 50 | $10,290,000 | $205,000 | $373,000 | $57,000 | $198,000 |
| 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 | 1,352 | $278,103,000 | $205,000 | $4,400,000 | $94,000 | $1,800,000 |
| Application Withdrawn By Applicant | 185 | $39,044,000 | $211,000 | $1,200,000 | $89,000 | $438,000 |
| Application Approved But Not Accepted | 165 | $33,414,000 | $202,000 | $684,000 | $88,000 | $924,000 |
| Application Denied By Financial Institution | 26 | $3,797,000 | $146,000 | $553,000 | $196,000 | $2,715,000 |
| Loan Purchased By The Institution | 5 | $841,000 | $168,000 | $307,000 | $91,000 | $179,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $1,765,000 | $176,000 | $451,000 | $88,000 | $181,000 |
| Collateral | 8 | $891,000 | $111,000 | $319,000 | $106,000 | $459,000 |
| Credit History | 4 | $284,000 | $71,000 | $195,000 | $722,000 | $2,715,000 |
| Other | 2 | $668,000 | $334,000 | $553,000 | $202,000 | $352,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $59,000 | $59,000 | $59,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 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 Heartland Bank's 2008 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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