Heartland Bank Mortgage Lending & HMDA Data, 2013
In 2013, Heartland Bank of St. Louis, MO reported 2,740 mortgage applications totaling $519.1 million, down 31% from 2012. The average application was for $189,461, and applicants reported an average income of $71,535. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (1,867), Springfield, MO (276) and Joplin, MO (101) (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 | 2,740 |
| Total Mortgage Loan Application Amount | $519,125,000 |
| Average Mortgage Loan Application Amount | $189,461 |
| Highest Mortgage Loan Application Amount | $9,130,000 |
| Average Applicant Income | $71,535 |
| Highest Applicant Income | $829,000 |
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Act (HMDA) records Heartland Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,867 | $ 354,719,000 | $ 189,994 | $ 81,048 |
| Springfield, MO | 276 | $ 38,233,000 | $ 138,525 | $ 60,000 |
| Joplin, MO | 101 | $ 11,357,000 | $ 112,445 | $ 56,000 |
| Jacksonville, FL | 22 | $ 4,318,000 | $ 196,272 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 21 | $ 4,532,000 | $ 215,809 | $ 12,000 |
| Kansas City, MO-KS | 19 | $ 3,767,000 | $ 198,263 | $ 73,473 |
| Denver-Aurora-Broomfield, CO | 16 | $ 4,756,000 | $ 297,250 | $ 95,000 |
| Atlanta-Sandy Springs-Marietta, GA | 13 | $ 2,939,000 | $ 226,076 | $ 16,000 |
| Phoenix-Mesa-Glendale, AZ | 13 | $ 2,868,000 | $ 220,615 | $ 18,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 4,648,000 | $ 357,538 | $ 16,461 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 1,880,000 | $ 156,666 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 10 | $ 2,000,000 | $ 200,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 2,972,000 | $ 297,200 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 1,864,000 | $ 207,111 | $ 4,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,624,000 | $ 232,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 7 | $ 1,261,000 | $ 180,142 | $ 0 |
| Baltimore-Towson, MD | 6 | $ 1,412,000 | $ 235,333 | $ 33,000 |
| Columbia, MO | 6 | $ 1,175,000 | $ 195,833 | $ 45,000 |
| Clarksville, TN-KY | 5 | $ 902,000 | $ 180,400 | $ 0 |
| Chicago-Joliet-Naperville, IL | 4 | $ 1,167,000 | $ 291,750 | $ 99,000 |
| Colorado Springs, CO | 4 | $ 726,000 | $ 181,500 | $ 0 |
| Columbia, SC | 4 | $ 757,000 | $ 189,250 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 575,000 | $ 143,750 | $ 47,000 |
| Lakeland-Winter Haven, FL | 4 | $ 815,000 | $ 203,750 | $ 0 |
| Richmond, VA | 4 | $ 813,000 | $ 203,250 | $ 0 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,813,000 | $ 453,250 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,181,000 | $ 295,250 | $ 0 |
| Boston-Quincy, MA | 3 | $ 969,000 | $ 323,000 | $ 93,000 |
| Bremerton-Silverdale, WA | 3 | $ 883,000 | $ 294,333 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 710,000 | $ 236,666 | $ 137,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 482,000 | $ 160,666 | $ 9,333 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 582,000 | $ 194,000 | $ 89,666 |
| Huntsville, AL | 3 | $ 708,000 | $ 236,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 629,000 | $ 209,666 | $ 44,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,231,000 | $ 410,333 | $ 41,000 |
| Memphis, TN-MS-AR | 3 | $ 820,000 | $ 273,333 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 582,000 | $ 194,000 | $ 13,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 685,000 | $ 228,333 | $ 17,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,194,000 | $ 398,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 643,000 | $ 214,333 | $ 0 |
| Raleigh-Cary, NC | 3 | $ 458,000 | $ 152,666 | $ 15,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 959,000 | $ 319,666 | $ 0 |
| Tulsa, OK | 3 | $ 340,000 | $ 113,333 | $ 61,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 676,000 | $ 225,333 | $ 39,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 433,000 | $ 216,500 | $ 147,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 356,000 | $ 178,000 | $ 0 |
| Des Moines-West Des Moines, IA | 2 | $ 501,000 | $ 250,500 | $ 75,000 |
| Elizabethtown, KY | 2 | $ 443,000 | $ 221,500 | $ 0 |
| Greenville-Mauldin-Easley, SC | 2 | $ 341,000 | $ 170,500 | $ 0 |
| Las Vegas-Paradise, NV | 2 | $ 218,000 | $ 109,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 456,000 | $ 228,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Pittsburgh, PA | 2 | $ 284,000 | $ 142,000 | $ 18,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 496,000 | $ 248,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 300,000 | $ 150,000 | $ 70,000 |
| Sumter, SC | 2 | $ 278,000 | $ 139,000 | $ 0 |
| Tacoma, WA | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Tallahassee, FL | 2 | $ 318,000 | $ 159,000 | $ 0 |
| Tucson, AZ | 2 | $ 424,000 | $ 212,000 | $ 0 |
| Warner Robins, GA | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Wichita, KS | 2 | $ 303,000 | $ 151,500 | $ 38,000 |
| Wilmington, NC | 2 | $ 417,000 | $ 208,500 | $ 0 |
| Akron, OH | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 229,000 | $ 229,000 | $ 80,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 273,000 | $ 273,000 | $ 165,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 111,000 | $ 111,000 | $ 73,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Columbus, OH | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Dayton, OH | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Florence, SC | 1 | $ 4,050,000 | $ 4,050,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Jacksonville, NC | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 260,000 | $ 260,000 | $ 123,000 |
| Lawton, OK | 1 | $ 60,000 | $ 60,000 | $ 151,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Madison, WI | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 333,000 | $ 333,000 | $ 162,000 |
| Mobile, AL | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Montgomery, AL | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 251,000 | $ 251,000 | $ 115,000 |
| Oklahoma City, OK | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Olympia, WA | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Peoria, IL | 1 | $ 123,000 | $ 123,000 | $ 104,000 |
| Punta Gorda, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Reading, PA | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Roanoke, VA | 1 | $ 51,000 | $ 51,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 248,000 | $ 248,000 | $ 80,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 262,000 | $ 262,000 | $ 154,000 |
| Springfield, OH | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 200,000 | $ 200,000 | $ 127,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Yuba City, CA | 1 | $ 311,000 | $ 311,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2013
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 | 1,477 | $259,284,000 | $175,000 | $8,000,000 | $77,000 | $765,000 |
| Refinancing | 1,249 | $258,618,000 | $207,000 | $9,130,000 | $65,000 | $829,000 |
| Home Improvement | 14 | $1,223,000 | $87,000 | $636,000 | $78,000 | $138,000 |
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 | 2,280 | $401,252,000 | $175,000 | $1,071,000 | $78,000 | $829,000 |
| Black or African American | 207 | $37,435,000 | $180,000 | $544,000 | $37,000 | $299,000 |
| Not Provided | 154 | $32,606,000 | $211,000 | $717,000 | $40,000 | $323,000 |
| Hispanic | 41 | $6,640,000 | $161,000 | $344,000 | $36,000 | $190,000 |
| Asian | 30 | $5,965,000 | $198,000 | $396,000 | $85,000 | $200,000 |
| Not applicable | 24 | $34,709,000 | $1,446,000 | $9,130,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $353,000 | $117,000 | $158,000 | $31,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $95,000 | $95,000 |
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) | 1,436 | $297,477,000 | $207,000 | $9,130,000 | $101,000 | $829,000 |
| FHA-insured (Federal Housing Administration) | 666 | $99,014,000 | $148,000 | $348,000 | $47,000 | $765,000 |
| VA-guaranteed (Veterans Administration) | 467 | $100,493,000 | $215,000 | $717,000 | $23,000 | $274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 171 | $22,141,000 | $129,000 | $290,000 | $43,000 | $83,000 |
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 | 2,150 | $408,838,000 | $190,000 | $9,130,000 | $70,000 | $829,000 |
| Application Withdrawn By Applicant | 210 | $37,759,000 | $179,000 | $600,000 | $92,000 | $636,000 |
| File Closed For Incompleteness | 177 | $37,808,000 | $213,000 | $864,000 | $52,000 | $456,000 |
| Application Denied By Financial Institution | 120 | $19,223,000 | $160,000 | $897,000 | $86,000 | $644,000 |
| Application Approved But Not Accepted | 74 | $13,669,000 | $184,000 | $417,000 | $75,000 | $644,000 |
| Loan Purchased By The Institution | 9 | $1,828,000 | $203,000 | $363,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 46 | $7,715,000 | $167,000 | $397,000 | $42,000 | $125,000 |
| Credit History | 27 | $4,463,000 | $165,000 | $410,000 | $62,000 | $165,000 |
| Collateral | 20 | $2,611,000 | $130,000 | $360,000 | $108,000 | $277,000 |
| Other | 20 | $3,019,000 | $150,000 | $897,000 | $193,000 | $644,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $632,000 | $158,000 | $209,000 | $70,000 | $110,000 |
| Employment History | 2 | $193,000 | $96,000 | $106,000 | $21,000 | $26,000 |
| Unverifiable Information | 1 | $590,000 | $590,000 | $590,000 | $298,000 | $298,000 |
| Mortgage Insurance Denied | 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 2013 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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