Heartland Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Heartland Bank 2011 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 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 | 2,970 |
| Total Mortgage Loan Application Amount | $529,301,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,692,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $6,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 993 | $ 192,602,000 | $ 193,000 | $ 105,000 |
| St. Charles County Missouri | 607 | $ 109,310,000 | $ 180,000 | $ 78,000 |
| Jefferson County Missouri | 215 | $ 32,246,000 | $ 149,000 | $ 70,000 |
| Greene County Missouri | 196 | $ 26,095,000 | $ 133,000 | $ 61,000 |
| St. Louis City County Missouri | 186 | $ 26,116,000 | $ 140,000 | $ 76,000 |
| St. Clair County Illinois | 110 | $ 21,681,000 | $ 197,000 | $ 78,000 |
| Franklin County Missouri | 93 | $ 15,083,000 | $ 162,000 | $ 71,000 |
| Christian County Missouri | 76 | $ 10,933,000 | $ 143,000 | $ 64,000 |
| Stone County Missouri | 32 | $ 4,543,000 | $ 141,000 | $ 112,000 |
| Denver County Colorado | 31 | $ 11,657,000 | $ 376,000 | $ 125,000 |
| Madison County Illinois | 28 | $ 5,156,000 | $ 184,000 | $ 84,000 |
| Lincoln County Missouri | 27 | $ 4,378,000 | $ 162,000 | $ 70,000 |
| Taney County Missouri | 20 | $ 3,535,000 | $ 176,000 | $ 96,000 |
| Barry County Missouri | 19 | $ 2,144,000 | $ 112,000 | $ 56,000 |
| Camden County Missouri | 18 | $ 3,154,000 | $ 175,000 | $ 515,000 |
| Warren County Missouri | 18 | $ 2,475,000 | $ 137,000 | $ 193,000 |
| Lawrence County Missouri | 17 | $ 1,560,000 | $ 91,000 | $ 53,000 |
| Adams County Colorado | 16 | $ 2,981,000 | $ 186,000 | $ 105,000 |
| Jefferson County Colorado | 14 | $ 3,108,000 | $ 222,000 | $ 106,000 |
| Monroe County Illinois | 14 | $ 2,553,000 | $ 182,000 | $ 67,000 |
| Jasper County Missouri | 13 | $ 1,202,000 | $ 92,000 | $ 57,000 |
| Polk County Missouri | 12 | $ 1,190,000 | $ 99,000 | $ 36,000 |
| Arapahoe County Colorado | 10 | $ 3,379,000 | $ 337,000 | $ 110,000 |
| Laclede County Missouri | 10 | $ 982,000 | $ 98,000 | $ 56,000 |
| Norfolk County Massachusetts | 8 | $ 2,181,000 | $ 272,000 | $ 108,000 |
| Suffolk County Massachusetts | 8 | $ 2,330,000 | $ 291,000 | $ 103,000 |
| Douglas County Colorado | 7 | $ 5,117,000 | $ 731,000 | $ 165,000 |
| Newton County Missouri | 6 | $ 649,000 | $ 108,000 | $ 45,000 |
| Webster County Missouri | 6 | $ 587,000 | $ 97,000 | $ 39,000 |
| Maricopa County Arizona | 5 | $ 887,000 | $ 177,000 | $ 145,000 |
| Boulder County Colorado | 5 | $ 1,261,000 | $ 252,000 | $ 148,000 |
| Summit County Colorado | 5 | $ 1,429,000 | $ 285,000 | $ 159,000 |
| Johnson County Kansas | 5 | $ 1,003,000 | $ 200,000 | $ 121,000 |
| Gasconade County Missouri | 5 | $ 536,000 | $ 107,000 | $ 104,000 |
| McDonald County Missouri | 5 | $ 610,000 | $ 122,000 | $ 38,000 |
| Boone County Missouri | 4 | $ 836,000 | $ 209,000 | $ 91,000 |
| Morgan County Missouri | 4 | $ 813,000 | $ 203,000 | $ 487,000 |
| El Paso County Colorado | 3 | $ 1,122,000 | $ 374,000 | $ 200,000 |
| Weld County Colorado | 3 | $ 590,000 | $ 196,000 | $ 135,000 |
| Crawford County Kansas | 3 | $ 220,000 | $ 73,000 | $ 37,000 |
| Middlesex County Massachusetts | 3 | $ 788,000 | $ 262,000 | $ 146,000 |
| Plymouth County Massachusetts | 3 | $ 677,000 | $ 225,000 | $ 72,000 |
| Hennepin County Minnesota | 3 | $ 758,000 | $ 252,000 | $ 147,000 |
| Cass County Missouri | 3 | $ 324,000 | $ 108,000 | $ 25,000 |
| Dallas County Missouri | 3 | $ 265,000 | $ 88,000 | $ 30,000 |
| Douglas County Missouri | 3 | $ 369,000 | $ 123,000 | $ 22,000 |
| St. Francois County Missouri | 3 | $ 379,000 | $ 126,000 | $ 56,000 |
| Broomfield County Colorado | 2 | $ 547,000 | $ 273,000 | $ 66,000 |
| Elbert County Colorado | 2 | $ 794,000 | $ 397,000 | $ 179,000 |
| Cook County Illinois | 2 | $ 855,000 | $ 427,000 | $ 214,000 |
| Cherokee County Kansas | 2 | $ 122,000 | $ 61,000 | $ 40,000 |
| Douglas County Kansas | 2 | $ 220,000 | $ 110,000 | $ 86,000 |
| Cedar County Missouri | 2 | $ 194,000 | $ 97,000 | $ 52,000 |
| Crawford County Missouri | 2 | $ 176,000 | $ 88,000 | $ 96,000 |
| Jackson County Missouri | 2 | $ 377,000 | $ 188,000 | $ 122,000 |
| Pike County Missouri | 2 | $ 200,000 | $ 100,000 | $ 148,000 |
| Ste. Genevieve County Missouri | 2 | $ 284,000 | $ 142,000 | $ 80,000 |
| Davidson County Tennessee | 2 | $ 339,000 | $ 169,000 | $ 52,000 |
| Williamson County Tennessee | 2 | $ 469,000 | $ 234,000 | $ 92,000 |
| Limestone County Alabama | 1 | $ 319,000 | $ 319,000 | $ 135,000 |
| Cochise County Arizona | 1 | $ 280,000 | $ 280,000 | $ 148,000 |
| Benton County Arkansas | 1 | $ 400,000 | $ 400,000 | $ 154,000 |
| Boone County Arkansas | 1 | $ 368,000 | $ 368,000 | $ 175,000 |
| Randolph County Arkansas | 1 | $ 180,000 | $ 180,000 | $ 53,000 |
| Sebastian County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 192,000 |
| Butte County California | 1 | $ 210,000 | $ 210,000 | $ 62,000 |
| Contra Costa County California | 1 | $ 188,000 | $ 188,000 | $ 203,000 |
| Los Angeles County California | 1 | $ 596,000 | $ 596,000 | $ 240,000 |
| Orange County California | 1 | $ 475,000 | $ 475,000 | $ 105,000 |
| Riverside County California | 1 | $ 174,000 | $ 174,000 | $ 70,000 |
| Larimer County Colorado | 1 | $ 202,000 | $ 202,000 | $ 70,000 |
| Brevard County Florida | 1 | $ 100,000 | $ 100,000 | $ 160,000 |
| Citrus County Florida | 1 | $ 230,000 | $ 230,000 | $ 199,000 |
| Lee County Florida | 1 | $ 60,000 | $ 60,000 | $ 115,000 |
| Manatee County Florida | 1 | $ 102,000 | $ 102,000 | $ 236,000 |
| Osceola County Florida | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Santa Rosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Henry County Georgia | 1 | $ 182,000 | $ 182,000 | $ 99,000 |
| Shoshone County Idaho | 1 | $ 61,000 | $ 61,000 | $ 65,000 |
| Clinton County Illinois | 1 | $ 138,000 | $ 138,000 | $ 55,000 |
| Macoupin County Illinois | 1 | $ 64,000 | $ 64,000 | $ 23,000 |
| Wayne County Illinois | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Hamilton County Indiana | 1 | $ 287,000 | $ 287,000 | $ 130,000 |
| Tipton County Indiana | 1 | $ 90,000 | $ 90,000 | $ 86,000 |
| Polk County Iowa | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Geary County Kansas | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| Riley County Kansas | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Fayette County Kentucky | 1 | $ 380,000 | $ 380,000 | $ 66,000 |
| Oldham County Kentucky | 1 | $ 223,000 | $ 223,000 | $ 105,000 |
| Carroll County Maryland | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 229,000 | $ 229,000 | $ 500,000 |
| Worcester County Massachusetts | 1 | $ 364,000 | $ 364,000 | $ 165,000 |
| Antrim County Michigan | 1 | $ 152,000 | $ 152,000 | $ 154,000 |
| Rankin County Mississippi | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Callaway County Missouri | 1 | $ 199,000 | $ 199,000 | $ 160,000 |
| Cape Girardeau County Missouri | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Carter County Missouri | 1 | $ 84,000 | $ 84,000 | $ 27,000 |
| Dade County Missouri | 1 | $ 63,000 | $ 63,000 | $ 29,000 |
| Henry County Missouri | 1 | $ 96,000 | $ 96,000 | $ 28,000 |
| Hickory County Missouri | 1 | $ 81,000 | $ 81,000 | $ 44,000 |
| Iron County Missouri | 1 | $ 80,000 | $ 80,000 | $ 156,000 |
| Lafayette County Missouri | 1 | $ 192,000 | $ 192,000 | $ 110,000 |
| Marion County Missouri | 1 | $ 48,000 | $ 48,000 | $ 272,000 |
| Monroe County Missouri | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Putnam County Missouri | 1 | $ 64,000 | $ 64,000 | $ 310,000 |
| Ralls County Missouri | 1 | $ 58,000 | $ 58,000 | $ 184,000 |
| Ray County Missouri | 1 | $ 151,000 | $ 151,000 | $ 65,000 |
| Texas County Missouri | 1 | $ 109,000 | $ 109,000 | $ 53,000 |
| Washington County Missouri | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Wright County Missouri | 1 | $ 76,000 | $ 76,000 | $ 46,000 |
| Mecklenburg County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 100,000 |
| Union County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 96,000 |
| Warren County Ohio | 1 | $ 321,000 | $ 321,000 | $ 124,000 |
| Oklahoma County Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 103,000 |
| Tulsa County Oklahoma | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 645,000 | $ 645,000 | $ 666,000 |
| Washington County Oregon | 1 | $ 185,000 | $ 185,000 | $ 192,000 |
| Sumner County Tennessee | 1 | $ 372,000 | $ 372,000 | $ 317,000 |
| Austin County Texas | 1 | $ 160,000 | $ 160,000 | $ 142,000 |
| Comal County Texas | 1 | $ 81,000 | $ 81,000 | $ 126,000 |
| Fort Bend County Texas | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Harris County Texas | 1 | $ 90,000 | $ 90,000 | $ 82,000 |
| Midland County Texas | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Travis County Texas | 1 | $ 311,000 | $ 311,000 | $ 90,000 |
| Wasatch County Utah | 1 | $ 246,000 | $ 246,000 | $ 76,000 |
| Fairfax County Virginia | 1 | $ 300,000 | $ 300,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2011
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 | 1,579 | $252,202,000 | $159,000 | $1,329,000 | $75,000 | $6,000,000 |
| Refinancing | 1,381 | $276,398,000 | $200,000 | $1,692,000 | $109,000 | $1,883,000 |
| Home Improvement | 10 | $701,000 | $70,000 | $400,000 | $77,000 | $313,000 |
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 | 2,581 | $457,185,000 | $177,000 | $1,437,000 | $95,000 | $6,000,000 |
| Black or African American | 162 | $24,881,000 | $153,000 | $640,000 | $59,000 | $208,000 |
| Not applicable | 65 | $14,139,000 | $217,000 | $1,329,000 | $0 | $0 |
| Asian | 62 | $13,777,000 | $222,000 | $825,000 | $112,000 | $642,000 |
| Hispanic | 45 | $7,819,000 | $173,000 | $417,000 | $82,000 | $222,000 |
| Not Provided | 43 | $9,569,000 | $222,000 | $1,692,000 | $110,000 | $618,000 |
| American Indian or Alaskan Native | 9 | $1,164,000 | $129,000 | $225,000 | $73,000 | $167,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $767,000 | $255,000 | $275,000 | $103,000 | $199,000 |
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) | 1,853 | $369,173,000 | $199,000 | $1,692,000 | $115,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 787 | $106,667,000 | $135,000 | $366,000 | $52,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 202 | $37,717,000 | $186,000 | $417,000 | $54,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 128 | $15,744,000 | $123,000 | $296,000 | $44,000 | $80,000 |
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 | 2,205 | $384,071,000 | $174,000 | $1,692,000 | $92,000 | $6,000,000 |
| Application Approved But Not Accepted | 357 | $69,348,000 | $194,000 | $885,000 | $108,000 | $1,311,000 |
| Application Withdrawn By Applicant | 264 | $51,916,000 | $196,000 | $1,437,000 | $85,000 | $722,000 |
| File Closed For Incompleteness | 54 | $9,779,000 | $181,000 | $994,000 | $74,000 | $467,000 |
| Loan Purchased By The Institution | 53 | $9,450,000 | $178,000 | $313,000 | $0 | $0 |
| Application Denied By Financial Institution | 37 | $4,737,000 | $128,000 | $408,000 | $67,000 | $313,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $1,999,000 | $153,000 | $408,000 | $55,000 | $202,000 |
| Collateral | 10 | $954,000 | $95,000 | $305,000 | $96,000 | $313,000 |
| Credit History | 8 | $859,000 | $107,000 | $265,000 | $54,000 | $81,000 |
| Other | 3 | $481,000 | $160,000 | $294,000 | $70,000 | $98,000 |
| Employment History | 3 | $444,000 | $148,000 | $240,000 | $57,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2011 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.