Heartland Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Heartland Bank 2013 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 | 2,740 |
| Total Mortgage Loan Application Amount | $519,125,000 |
| Average Mortgage Loan Application Amount | $156,333 |
| Highest Mortgage Loan Application Amount | $9,130,000 |
| Average Applicant Income | $73,333 |
| Highest Applicant Income | $829,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | $ 205,000 | $ 74,000 |
| SPRINGFIELD, MO | 276 | $ 38,233,000 | $ 138,000 | $ 60,000 |
| JOPLIN, MO | 101 | $ 11,357,000 | $ 112,000 | $ 56,000 |
| JACKSONVILLE, FL | 22 | $ 4,318,000 | $ 196,000 | $ 0 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 21 | $ 4,532,000 | $ 215,000 | $ 12,000 |
| KANSAS CITY, MO-KS | 19 | $ 3,767,000 | $ 198,000 | $ 64,500 |
| DENVER-AURORA-BROOMFIELD, CO | 16 | $ 4,756,000 | $ 297,000 | $ 95,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 13 | $ 2,939,000 | $ 226,000 | $ 16,000 |
| PHOENIX-MESA-GLENDALE, AZ | 13 | $ 2,868,000 | $ 220,000 | $ 18,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 13 | $ 4,648,000 | $ 362,333 | $ 35,666 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 12 | $ 1,880,000 | $ 156,000 | $ 0 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 10 | $ 2,000,000 | $ 200,000 | $ 0 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 10 | $ 2,972,000 | $ 297,000 | $ 0 |
| PENSACOLA-FERRY PASS-BRENT, FL | 9 | $ 1,864,000 | $ 207,000 | $ 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 | $ 180,000 | $ 0 |
| BALTIMORE-TOWSON, MD | 6 | $ 1,412,000 | $ 235,000 | $ 33,000 |
| COLUMBIA, MO | 6 | $ 1,175,000 | $ 195,000 | $ 45,000 |
| CLARKSVILLE, TN-KY | 5 | $ 902,000 | $ 180,000 | $ 0 |
| CHICAGO-JOLIET-NAPERVILLE, IL | 4 | $ 1,167,000 | $ 291,000 | $ 99,000 |
| COLORADO SPRINGS, CO | 4 | $ 726,000 | $ 181,000 | $ 0 |
| COLUMBIA, SC | 4 | $ 757,000 | $ 189,000 | $ 0 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 4 | $ 575,000 | $ 143,000 | $ 47,000 |
| LAKELAND-WINTER HAVEN, FL | 4 | $ 815,000 | $ 203,000 | $ 0 |
| RICHMOND, VA | 4 | $ 813,000 | $ 203,000 | $ 0 |
| SEATTLE-BELLEVUE-EVERETT, WA | 4 | $ 1,813,000 | $ 453,000 | $ 78,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 4 | $ 1,181,000 | $ 295,000 | $ 0 |
| BOSTON-QUINCY, MA | 3 | $ 969,000 | $ 323,000 | $ 93,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 883,000 | $ 294,000 | $ 0 |
| CAPE CORAL-FORT MYERS, FL | 3 | $ 710,000 | $ 236,000 | $ 137,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 3 | $ 482,000 | $ 164,500 | $ 7,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 3 | $ 582,000 | $ 249,000 | $ 108,500 |
| HUNTSVILLE, AL | 3 | $ 708,000 | $ 236,000 | $ 0 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 3 | $ 629,000 | $ 209,000 | $ 44,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 3 | $ 1,231,000 | $ 410,000 | $ 41,000 |
| MEMPHIS, TN-MS-AR | 3 | $ 820,000 | $ 273,000 | $ 0 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 582,000 | $ 194,000 | $ 13,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 3 | $ 685,000 | $ 228,000 | $ 17,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 3 | $ 1,194,000 | $ 398,000 | $ 0 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 643,000 | $ 214,000 | $ 0 |
| RALEIGH-CARY, NC | 3 | $ 458,000 | $ 152,000 | $ 15,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 3 | $ 959,000 | $ 319,000 | $ 0 |
| TULSA, OK | 3 | $ 340,000 | $ 113,000 | $ 61,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 3 | $ 676,000 | $ 225,000 | $ 39,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 2 | $ 433,000 | $ 216,000 | $ 147,000 |
| CHARLOTTE-GASTONIA-ROCK HILL, NC-SC | 2 | $ 356,000 | $ 178,000 | $ 0 |
| DES MOINES-WEST DES MOINES, IA | 2 | $ 501,000 | $ 250,000 | $ 75,000 |
| ELIZABETHTOWN, KY | 2 | $ 443,000 | $ 221,000 | $ 0 |
| GREENVILLE-MAULDIN-EASLEY, SC | 2 | $ 341,000 | $ 170,000 | $ 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 | $ 204,000 | $ 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 | $ 151,000 | $ 38,000 |
| WILMINGTON, NC | 2 | $ 417,000 | $ 208,000 | $ 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.