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Act (HMDA) records Heartland Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,072 | $ 192,953,000 | $ 179,993 | $ 84,612 |
| Colorado Springs, CO | 214 | $ 46,966,000 | $ 219,467 | $ 78,000 |
| Denver-Aurora-Lakewood, CO | 76 | $ 19,831,000 | $ 260,934 | $ 90,000 |
| Joplin, MO | 71 | $ 7,807,000 | $ 109,957 | $ 52,000 |
| Raleigh, NC | 54 | $ 11,716,000 | $ 216,962 | $ 83,000 |
| Springfield, MO | 19 | $ 2,538,000 | $ 133,578 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 4,440,000 | $ 277,500 | $ 3,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 3,329,000 | $ 221,933 | $ 5,000 |
| Las Vegas-Henderson-Paradise, NV | 10 | $ 2,768,000 | $ 276,800 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 2,615,000 | $ 290,555 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 1,367,000 | $ 151,888 | $ 11,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 1,934,000 | $ 241,750 | $ 0 |
| Wilmington, DE-MD-NJ | 8 | $ 2,874,000 | $ 359,250 | $ 0 |
| Baltimore-Columbia-Towson, MD | 7 | $ 1,723,000 | $ 246,142 | $ 0 |
| Charleston-North Charleston, SC | 7 | $ 1,586,000 | $ 226,571 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 7 | $ 1,487,000 | $ 212,428 | $ 0 |
| Fayetteville, NC | 7 | $ 1,748,000 | $ 249,714 | $ 0 |
| Tacoma-Lakewood, WA | 7 | $ 1,637,000 | $ 233,857 | $ 0 |
| Anchorage, AK | 6 | $ 1,340,000 | $ 223,333 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 1,551,000 | $ 258,500 | $ 14,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,059,000 | $ 176,500 | $ 0 |
| Jacksonville, FL | 6 | $ 1,309,000 | $ 218,166 | $ 0 |
| San Antonio-New Braunfels, TX | 6 | $ 1,309,000 | $ 218,166 | $ 14,000 |
| Camden, NJ | 5 | $ 1,409,000 | $ 281,800 | $ 0 |
| Columbia, SC | 5 | $ 1,379,000 | $ 275,800 | $ 0 |
| Fort Worth-Arlington, TX | 5 | $ 1,108,000 | $ 221,600 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 891,000 | $ 178,200 | $ 37,000 |
| Memphis, TN-MS-AR | 5 | $ 1,142,000 | $ 228,400 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 966,000 | $ 193,200 | $ 17,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,121,000 | $ 224,200 | $ 68,200 |
| Austin-Round Rock, TX | 4 | $ 927,000 | $ 231,750 | $ 0 |
| Bremerton-Silverdale, WA | 4 | $ 1,073,000 | $ 268,250 | $ 0 |
| Cincinnati, OH-KY-IN | 4 | $ 965,000 | $ 241,250 | $ 23,000 |
| Greeley, CO | 4 | $ 782,000 | $ 195,500 | $ 57,000 |
| Huntsville, AL | 4 | $ 1,047,000 | $ 261,750 | $ 22,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 872,000 | $ 218,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 3 | $ 804,000 | $ 268,000 | $ 0 |
| Boulder, CO | 3 | $ 902,000 | $ 300,666 | $ 86,000 |
| Durham-Chapel Hill, NC | 3 | $ 521,000 | $ 173,666 | $ 48,000 |
| Fort Collins, CO | 3 | $ 616,000 | $ 205,333 | $ 51,000 |
| Kansas City, MO-KS | 3 | $ 446,000 | $ 148,666 | $ 47,333 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 8,180,000 | $ 2,726,666 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 576,000 | $ 192,000 | $ 33,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 851,000 | $ 283,666 | $ 50,000 |
| Prescott, AZ | 3 | $ 656,000 | $ 218,666 | $ 0 |
| Pueblo, CO | 3 | $ 395,000 | $ 131,666 | $ 14,000 |
| Richmond, VA | 3 | $ 594,000 | $ 198,000 | $ 0 |
| Spokane-Spokane Valley, WA | 3 | $ 595,000 | $ 198,333 | $ 0 |
| Tucson, AZ | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Albuquerque, NM | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Bakersfield, CA | 2 | $ 415,000 | $ 207,500 | $ 0 |
| Beaumont-Port Arthur, TX | 2 | $ 602,000 | $ 301,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 557,000 | $ 278,500 | $ 62,000 |
| Chico, CA | 2 | $ 419,000 | $ 209,500 | $ 0 |
| Columbia, MO | 2 | $ 544,000 | $ 272,000 | $ 81,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 339,000 | $ 169,500 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 575,000 | $ 287,500 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 516,000 | $ 258,000 | $ 0 |
| Killeen-Temple, TX | 2 | $ 214,000 | $ 107,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 401,000 | $ 200,500 | $ 0 |
| Olympia-Tumwater, WA | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Panama City, FL | 2 | $ 421,000 | $ 210,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 561,000 | $ 280,500 | $ 0 |
| Reno, NV | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 2 | $ 671,000 | $ 335,500 | $ 0 |
| Sierra Vista-Douglas, AZ | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Sumter, SC | 2 | $ 451,000 | $ 225,500 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 306,000 | $ 153,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 477,000 | $ 238,500 | $ 59,000 |
| Wilmington, NC | 2 | $ 635,000 | $ 317,500 | $ 125,000 |
| York-Hanover, PA | 2 | $ 412,000 | $ 206,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Asheville, NC | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Charlottesville, VA | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Cheyenne, WY | 1 | $ 276,000 | $ 276,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Columbus, OH | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Dutchess County-Putnam County, NY | 1 | $ 275,000 | $ 275,000 | $ 0 |
| El Paso, TX | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Elgin, IL | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 53,000 | $ 53,000 | $ 23,000 |
| Flagstaff, AZ | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Grand Junction, CO | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 102,000 | $ 102,000 | $ 94,000 |
| Grants Pass, OR | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Lawrence, KS | 1 | $ 123,000 | $ 123,000 | $ 263,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 237,000 | $ 237,000 | $ 90,000 |
| Madison, WI | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 238,000 | $ 238,000 | $ 110,000 |
| Montgomery, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 161,000 | $ 161,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Peoria, IL | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Port St. Lucie, FL | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Portland-South Portland, ME | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Savannah, GA | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 40,000 | $ 40,000 | $ 38,000 |
| Tuscaloosa, AL | 1 | $ 131,000 | $ 131,000 | $ 225,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 121,000 | $ 121,000 | $ 122,000 |
| Warner Robins, GA | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Yuba City, CA | 1 | $ 316,000 | $ 316,000 | $ 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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