Heartland Bank Mortgage Lending & HMDA Data, 2014
In 2014, Heartland Bank of St. Louis, MO reported 1,938 mortgage applications totaling $389.8 million, down 29% from 2013. The average application was for $201,142, and applicants reported an average income of $70,653. 76% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (1,072), Colorado Springs, CO (214) and Denver-Aurora-Lakewood, CO (76) (applications in parentheses).
| Mortgage Company & Address | Heartland Bank 212 South Central St. Louis, MO 63105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,938 |
| Total Mortgage Loan Application Amount | $389,814,000 |
| Average Mortgage Loan Application Amount | $201,142 |
| Highest Mortgage Loan Application Amount | $7,540,000 |
| Average Applicant Income | $70,653 |
| Highest Applicant Income | $1,190,000 |
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Act (HMDA) records Heartland Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 393 | $ 75,556,000 | $ 192,254 | $ 91,000 |
| St. Charles, Missouri | 334 | $ 61,448,000 | $ 183,976 | $ 86,000 |
| El Paso, Colorado | 204 | $ 44,643,000 | $ 218,838 | $ 76,000 |
| Jefferson, Missouri | 95 | $ 15,339,000 | $ 161,463 | $ 69,000 |
| St. Louis City, Missouri | 91 | $ 12,795,000 | $ 140,604 | $ 87,000 |
| St. Clair, Illinois | 75 | $ 13,927,000 | $ 185,693 | $ 80,000 |
| Jasper, Missouri | 61 | $ 6,760,000 | $ 110,819 | $ 52,000 |
| Wake, North Carolina | 49 | $ 10,817,000 | $ 220,755 | $ 87,000 |
| Franklin, Missouri | 48 | $ 7,303,000 | $ 152,145 | $ 70,000 |
| La Plata, Colorado | 46 | $ 13,654,000 | $ 296,826 | $ 99,000 |
| Denver, Colorado | 33 | $ 7,382,000 | $ 223,696 | $ 80,000 |
| Lincoln, Missouri | 17 | $ 2,965,000 | $ 174,411 | $ 66,000 |
| Maricopa, Arizona | 13 | $ 2,977,000 | $ 229,000 | $ 6,000 |
| Douglas, Colorado | 13 | $ 4,839,000 | $ 372,230 | $ 104,000 |
| Arapahoe, Colorado | 12 | $ 3,780,000 | $ 315,000 | $ 86,000 |
| Greene, Missouri | 12 | $ 1,362,000 | $ 113,500 | $ 62,000 |
| Warren, Missouri | 11 | $ 2,056,000 | $ 186,909 | $ 59,000 |
| Jefferson, Colorado | 10 | $ 2,342,000 | $ 234,200 | $ 109,000 |
| Teller, Colorado | 10 | $ 2,323,000 | $ 232,300 | $ 108,000 |
| Newton, Missouri | 10 | $ 1,047,000 | $ 104,700 | $ 51,000 |
| Clark, Nevada | 10 | $ 2,768,000 | $ 276,800 | $ 0 |
| Adams, Colorado | 8 | $ 1,488,000 | $ 186,000 | $ 89,000 |
| New Castle, Delaware | 7 | $ 2,622,000 | $ 374,571 | $ 0 |
| Cumberland, North Carolina | 7 | $ 1,748,000 | $ 249,714 | $ 0 |
| Pierce, Washington | 7 | $ 1,637,000 | $ 233,857 | $ 0 |
| Anchorage, Alaska | 6 | $ 1,340,000 | $ 223,333 | $ 0 |
| Riverside, California | 6 | $ 1,907,000 | $ 317,833 | $ 0 |
| Hillsborough, Florida | 6 | $ 942,000 | $ 157,000 | $ 17,000 |
| Anne Arundel, Maryland | 6 | $ 1,482,000 | $ 247,000 | $ 0 |
| Montezuma, Colorado | 5 | $ 747,000 | $ 149,400 | $ 75,000 |
| Duval, Florida | 5 | $ 1,136,000 | $ 227,200 | $ 0 |
| Camden, Missouri | 5 | $ 836,000 | $ 167,200 | $ 197,000 |
| Christian, Missouri | 5 | $ 922,000 | $ 184,400 | $ 84,000 |
| Richland, South Carolina | 5 | $ 1,379,000 | $ 275,800 | $ 0 |
| Bexar, Texas | 5 | $ 1,090,000 | $ 218,000 | $ 0 |
| Madison, Alabama | 4 | $ 1,047,000 | $ 261,750 | $ 22,000 |
| Weld, Colorado | 4 | $ 782,000 | $ 195,500 | $ 57,000 |
| Madison, Illinois | 4 | $ 933,000 | $ 233,250 | $ 71,000 |
| Johnston, North Carolina | 4 | $ 731,000 | $ 182,750 | $ 38,000 |
| Union, North Carolina | 4 | $ 890,000 | $ 222,500 | $ 0 |
| Berkeley, South Carolina | 4 | $ 1,015,000 | $ 253,750 | $ 0 |
| Harris, Texas | 4 | $ 681,000 | $ 170,250 | $ 47,000 |
| Tarrant, Texas | 4 | $ 875,000 | $ 218,750 | $ 0 |
| Kitsap, Washington | 4 | $ 1,073,000 | $ 268,250 | $ 0 |
| Pima, Arizona | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Yavapai, Arizona | 3 | $ 656,000 | $ 218,666 | $ 0 |
| Los Angeles, California | 3 | $ 8,180,000 | $ 2,726,666 | $ 0 |
| San Bernardino, California | 3 | $ 708,000 | $ 236,000 | $ 0 |
| Boulder, Colorado | 3 | $ 902,000 | $ 300,666 | $ 86,000 |
| Larimer, Colorado | 3 | $ 616,000 | $ 205,333 | $ 51,000 |
| Pueblo, Colorado | 3 | $ 395,000 | $ 131,666 | $ 14,000 |
| Columbia, Georgia | 3 | $ 804,000 | $ 268,000 | $ 0 |
| Monroe, Illinois | 3 | $ 564,000 | $ 188,000 | $ 105,000 |
| Prince George's, Maryland | 3 | $ 972,000 | $ 324,000 | $ 0 |
| Pulaski, Missouri | 3 | $ 404,000 | $ 134,666 | $ 122,000 |
| Camden, New Jersey | 3 | $ 808,000 | $ 269,333 | $ 0 |
| Durham, North Carolina | 3 | $ 521,000 | $ 173,666 | $ 48,000 |
| Dorchester, South Carolina | 3 | $ 571,000 | $ 190,333 | $ 0 |
| Horry, South Carolina | 3 | $ 576,000 | $ 192,000 | $ 33,000 |
| Shelby, Tennessee | 3 | $ 647,000 | $ 215,666 | $ 0 |
| Dallas, Texas | 3 | $ 523,000 | $ 174,333 | $ 0 |
| Travis, Texas | 3 | $ 733,000 | $ 244,333 | $ 0 |
| Fairfax, Virginia | 3 | $ 676,000 | $ 225,333 | $ 0 |
| Spotsylvania, Virginia | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Stafford, Virginia | 3 | $ 986,000 | $ 328,666 | $ 0 |
| Spokane, Washington | 3 | $ 595,000 | $ 198,333 | $ 0 |
| Cochise, Arizona | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Pinal, Arizona | 2 | $ 352,000 | $ 176,000 | $ 0 |
| Butte, California | 2 | $ 419,000 | $ 209,500 | $ 0 |
| Kern, California | 2 | $ 415,000 | $ 207,500 | $ 0 |
| Grand, Colorado | 2 | $ 750,000 | $ 375,000 | $ 332,000 |
| Bay, Florida | 2 | $ 421,000 | $ 210,500 | $ 0 |
| Broward, Florida | 2 | $ 516,000 | $ 258,000 | $ 0 |
| Lee, Florida | 2 | $ 557,000 | $ 278,500 | $ 62,000 |
| Okaloosa, Florida | 2 | $ 339,000 | $ 169,500 | $ 0 |
| Osceola, Florida | 2 | $ 449,000 | $ 224,500 | $ 0 |
| Palm Beach, Florida | 2 | $ 477,000 | $ 238,500 | $ 59,000 |
| Pinellas, Florida | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Santa Rosa, Florida | 2 | $ 561,000 | $ 280,500 | $ 0 |
| Seminole, Florida | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Volusia, Florida | 2 | $ 575,000 | $ 287,500 | $ 0 |
| Cobb, Georgia | 2 | $ 365,000 | $ 182,500 | $ 0 |
| Rockdale, Georgia | 2 | $ 479,000 | $ 239,500 | $ 0 |
| Cook, Illinois | 2 | $ 494,000 | $ 247,000 | $ 42,000 |
| McHenry, Illinois | 2 | $ 554,000 | $ 277,000 | $ 0 |
| Montgomery, Maryland | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Macomb, Michigan | 2 | $ 306,000 | $ 153,000 | $ 0 |
| Hennepin, Minnesota | 2 | $ 495,000 | $ 247,500 | $ 0 |
| Wright, Minnesota | 2 | $ 377,000 | $ 188,500 | $ 0 |
| Boone, Missouri | 2 | $ 544,000 | $ 272,000 | $ 81,000 |
| Gasconade, Missouri | 2 | $ 303,000 | $ 151,500 | $ 87,000 |
| Jackson, Missouri | 2 | $ 323,000 | $ 161,500 | $ 50,000 |
| Morgan, Missouri | 2 | $ 348,000 | $ 174,000 | $ 216,000 |
| St. Francois, Missouri | 2 | $ 240,000 | $ 120,000 | $ 125,000 |
| Stone, Missouri | 2 | $ 489,000 | $ 244,500 | $ 119,000 |
| Taney, Missouri | 2 | $ 239,000 | $ 119,500 | $ 32,000 |
| Lyon, Nevada | 2 | $ 382,000 | $ 191,000 | $ 0 |
| Washoe, Nevada | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Sandoval, New Mexico | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 414,000 | $ 207,000 | $ 0 |
| Butler, Ohio | 2 | $ 362,000 | $ 181,000 | $ 47,000 |
| Hamilton, Ohio | 2 | $ 603,000 | $ 301,500 | $ 0 |
| Washington, Oregon | 2 | $ 444,000 | $ 222,000 | $ 71,000 |
| York, Pennsylvania | 2 | $ 412,000 | $ 206,000 | $ 0 |
| Sumter, South Carolina | 2 | $ 451,000 | $ 225,500 | $ 0 |
| Tipton, Tennessee | 2 | $ 495,000 | $ 247,500 | $ 0 |
| Bell, Texas | 2 | $ 214,000 | $ 107,000 | $ 0 |
| Jefferson, Texas | 2 | $ 602,000 | $ 301,000 | $ 0 |
| Wasatch, Utah | 2 | $ 452,000 | $ 226,000 | $ 0 |
| Chesterfield, Virginia | 2 | $ 439,000 | $ 219,500 | $ 0 |
| Prince William, Virginia | 2 | $ 619,000 | $ 309,500 | $ 0 |
| Clark, Washington | 2 | $ 499,000 | $ 249,500 | $ 100,000 |
| King, Washington | 2 | $ 671,000 | $ 335,500 | $ 0 |
| Thurston, Washington | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Waukesha, Wisconsin | 2 | $ 401,000 | $ 200,500 | $ 0 |
| Chilton, Alabama | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Montgomery, Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 131,000 | $ 131,000 | $ 225,000 |
| Coconino, Arizona | 1 | $ 295,000 | $ 295,000 | $ 0 |
| La Paz, Arizona | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Mohave, Arizona | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 237,000 | $ 237,000 | $ 90,000 |
| Calaveras, California | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Orange, California | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Ventura, California | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Yuba, California | 1 | $ 316,000 | $ 316,000 | $ 0 |
| Delta, Colorado | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Dolores, Colorado | 1 | $ 160,000 | $ 160,000 | $ 35,000 |
| Fremont, Colorado | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| Garfield, Colorado | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Jackson, Colorado | 1 | $ 82,000 | $ 82,000 | $ 62,000 |
| Lake, Colorado | 1 | $ 122,000 | $ 122,000 | $ 39,000 |
| Mesa, Colorado | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Otero, Colorado | 1 | $ 199,000 | $ 199,000 | $ 78,000 |
| Summit, Colorado | 1 | $ 393,000 | $ 393,000 | $ 71,000 |
| Citrus, Florida | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Clay, Florida | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Indian River, Florida | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Orange, Florida | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Pasco, Florida | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Polk, Florida | 1 | $ 224,000 | $ 224,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Chatham, Georgia | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Fayette, Georgia | 1 | $ 296,000 | $ 296,000 | $ 0 |
| Houston, Georgia | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Oconee, Georgia | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Pickens, Georgia | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Walton, Georgia | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Adams, Illinois | 1 | $ 156,000 | $ 156,000 | $ 82,000 |
| DuPage, Illinois | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Kane, Illinois | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Kendall, Illinois | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Macoupin, Illinois | 1 | $ 67,000 | $ 67,000 | $ 52,000 |
| Randolph, Illinois | 1 | $ 62,000 | $ 62,000 | $ 56,000 |
| Tazewell, Illinois | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Elkhart, Indiana | 1 | $ 224,000 | $ 224,000 | $ 0 |
| LaPorte, Indiana | 1 | $ 238,000 | $ 238,000 | $ 110,000 |
| Marion, Indiana | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Marshall, Indiana | 1 | $ 190,000 | $ 190,000 | $ 287,000 |
| Adair, Iowa | 1 | $ 64,000 | $ 64,000 | $ 50,000 |
| Polk, Iowa | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Cherokee, Kansas | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Douglas, Kansas | 1 | $ 123,000 | $ 123,000 | $ 263,000 |
| Johnson, Kansas | 1 | $ 123,000 | $ 123,000 | $ 42,000 |
| Franklin, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Hardin, Kentucky | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Bossier, Louisiana | 1 | $ 232,000 | $ 232,000 | $ 0 |
| York, Maine | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Carroll, Maryland | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Cecil, Maryland | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Charles, Maryland | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 102,000 | $ 102,000 | $ 94,000 |
| Washtenaw, Michigan | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Crawford, Missouri | 1 | $ 58,000 | $ 58,000 | $ 78,000 |
| McDonald, Missouri | 1 | $ 53,000 | $ 53,000 | $ 23,000 |
| Polk, Missouri | 1 | $ 132,000 | $ 132,000 | $ 48,000 |
| Putnam, Missouri | 1 | $ 329,000 | $ 329,000 | $ 188,000 |
| Ste. Genevieve, Missouri | 1 | $ 202,000 | $ 202,000 | $ 58,000 |
| Webster, Missouri | 1 | $ 122,000 | $ 122,000 | $ 51,000 |
| Atlantic, New Jersey | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 289,000 | $ 289,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Ocean, New Jersey | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Dutchess, New York | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. Lawrence, New York | 1 | $ 88,000 | $ 88,000 | $ 84,000 |
| Buncombe, North Carolina | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Franklin, North Carolina | 1 | $ 168,000 | $ 168,000 | $ 56,000 |
| Iredell, North Carolina | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Moore, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| New Hanover, North Carolina | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Pender, North Carolina | 1 | $ 399,000 | $ 399,000 | $ 250,000 |
| Stanly, North Carolina | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Stokes, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Delaware, Ohio | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Delaware, Oklahoma | 1 | $ 101,000 | $ 101,000 | $ 27,000 |
| Oklahoma, Oklahoma | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Josephine, Oregon | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Northampton, Pennsylvania | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| McMinn, Tennessee | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Williamson, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 109,000 |
| Bowie, Texas | 1 | $ 40,000 | $ 40,000 | $ 38,000 |
| Brazoria, Texas | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Brazos, Texas | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Collin, Texas | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Comal, Texas | 1 | $ 219,000 | $ 219,000 | $ 85,000 |
| Denton, Texas | 1 | $ 171,000 | $ 171,000 | $ 0 |
| El Paso, Texas | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Ellis, Texas | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Johnson, Texas | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Williamson, Texas | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Tooele, Utah | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Albemarle, Virginia | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 176,000 | $ 176,000 | $ 54,000 |
| Newport News, Virginia | 1 | $ 121,000 | $ 121,000 | $ 122,000 |
| Petersburg, Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Grays Harbor, Washington | 1 | $ 269,000 | $ 269,000 | $ 0 |
| Skagit, Washington | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Laramie, Wyoming | 1 | $ 276,000 | $ 276,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2014
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 | 1,243 | $234,881,000 | $188,000 | $1,175,000 | $85,000 | $792,000 |
| Refinancing | 692 | $147,358,000 | $212,000 | $857,000 | $45,000 | $1,190,000 |
| Home Improvement | 3 | $7,575,000 | $2,525,000 | $7,540,000 | $44,000 | $84,000 |
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 | 1,540 | $298,836,000 | $194,000 | $1,175,000 | $74,000 | $1,190,000 |
| Black or African American | 149 | $29,048,000 | $194,000 | $417,000 | $47,000 | $792,000 |
| Not Provided | 139 | $31,250,000 | $224,000 | $780,000 | $56,000 | $369,000 |
| Hispanic | 59 | $11,756,000 | $199,000 | $469,000 | $58,000 | $440,000 |
| Asian | 32 | $6,530,000 | $204,000 | $389,000 | $113,000 | $334,000 |
| American Indian or Alaskan Native | 9 | $2,310,000 | $256,000 | $417,000 | $55,000 | $185,000 |
| Not applicable | 7 | $9,467,000 | $1,352,000 | $7,540,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $617,000 | $205,000 | $253,000 | $88,000 | $112,000 |
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) | 991 | $201,569,000 | $203,000 | $7,540,000 | $98,000 | $1,190,000 |
| VA-guaranteed (Veterans Administration) | 504 | $117,325,000 | $232,000 | $857,000 | $31,000 | $270,000 |
| FHA-insured (Federal Housing Administration) | 362 | $59,660,000 | $164,000 | $426,000 | $55,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 81 | $11,260,000 | $139,000 | $284,000 | $47,000 | $86,000 |
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 | 1,466 | $294,234,000 | $200,000 | $7,540,000 | $71,000 | $1,190,000 |
| Application Withdrawn By Applicant | 163 | $32,135,000 | $197,000 | $595,000 | $84,000 | $470,000 |
| File Closed For Incompleteness | 133 | $29,720,000 | $223,000 | $833,000 | $46,000 | $792,000 |
| Application Approved But Not Accepted | 121 | $23,639,000 | $195,000 | $415,000 | $77,000 | $251,000 |
| Application Denied By Financial Institution | 55 | $10,086,000 | $183,000 | $395,000 | $61,000 | $495,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 26 | $4,660,000 | $179,000 | $380,000 | $45,000 | $91,000 |
| Credit History | 9 | $1,851,000 | $205,000 | $350,000 | $49,000 | $88,000 |
| Collateral | 7 | $780,000 | $111,000 | $175,000 | $115,000 | $225,000 |
| Other | 7 | $1,557,000 | $222,000 | $384,000 | $23,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $810,000 | $270,000 | $395,000 | $218,000 | $495,000 |
| Mortgage Insurance Denied | 1 | $181,000 | $181,000 | $181,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $148,000 | $148,000 | $148,000 | $47,000 | $47,000 |
| Employment History | 1 | $99,000 | $99,000 | $99,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank's 2014 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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