Heartland Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Heartland Credit Union 2016 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 Credit Union 900 East 23Rd Avenue Winfield, KS 67502 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 972 |
| Total Mortgage Loan Application Amount | $87,337,000 |
| Average Mortgage Loan Application Amount | $79,333 |
| Highest Mortgage Loan Application Amount | $1,208,000 |
| Average Applicant Income | $77,333 |
| Highest Applicant Income | $708,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Heartland Credit Union. 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 Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Heartland Credit Union'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 Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Heartland Credit Union, 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 Credit Union's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Reno County Kansas | 621 | $ 52,525,000 | $ 84,000 | $ 76,000 |
| Sedgwick County Kansas | 98 | $ 10,692,000 | $ 109,000 | $ 80,000 |
| Harvey County Kansas | 85 | $ 7,916,000 | $ 93,000 | $ 85,000 |
| Rice County Kansas | 19 | $ 997,000 | $ 52,000 | $ 89,000 |
| McPherson County Kansas | 18 | $ 1,964,000 | $ 109,000 | $ 85,000 |
| Johnson County Kansas | 16 | $ 2,886,000 | $ 180,000 | $ 118,000 |
| Edwards County Kansas | 9 | $ 329,000 | $ 36,000 | $ 39,000 |
| Kingman County Kansas | 8 | $ 920,000 | $ 115,000 | $ 76,000 |
| Butler County Kansas | 7 | $ 601,000 | $ 85,000 | $ 72,000 |
| Stafford County Kansas | 7 | $ 377,000 | $ 53,000 | $ 74,000 |
| Marion County Kansas | 4 | $ 92,000 | $ 23,000 | $ 103,000 |
| Pratt County Kansas | 4 | $ 468,000 | $ 117,000 | $ 88,000 |
| Wyandotte County Kansas | 4 | $ 678,000 | $ 169,000 | $ 98,000 |
| Cass County Missouri | 3 | $ 510,000 | $ 170,000 | $ 121,000 |
| El Paso County Colorado | 2 | $ 290,000 | $ 145,000 | $ 72,000 |
| Huerfano County Colorado | 2 | $ 251,000 | $ 125,000 | $ 138,000 |
| Barber County Kansas | 2 | $ 343,000 | $ 171,000 | $ 64,000 |
| Bourbon County Kansas | 2 | $ 248,000 | $ 124,000 | $ 55,000 |
| Cherokee County Kansas | 2 | $ 142,000 | $ 71,000 | $ 54,000 |
| Cowley County Kansas | 2 | $ 200,000 | $ 100,000 | $ 51,000 |
| Franklin County Kansas | 2 | $ 208,000 | $ 104,000 | $ 116,000 |
| Harper County Kansas | 2 | $ 64,000 | $ 32,000 | $ 57,000 |
| Labette County Kansas | 2 | $ 79,000 | $ 39,000 | $ 43,000 |
| Leavenworth County Kansas | 2 | $ 102,000 | $ 51,000 | $ 37,000 |
| Miami County Kansas | 2 | $ 80,000 | $ 40,000 | $ 40,000 |
| Montgomery County Kansas | 2 | $ 428,000 | $ 214,000 | $ 74,000 |
| Shawnee County Kansas | 2 | $ 234,000 | $ 117,000 | $ 116,000 |
| Sheridan County Kansas | 2 | $ 106,000 | $ 53,000 | $ 65,000 |
| Thomas County Kansas | 2 | $ 138,000 | $ 69,000 | $ 76,000 |
| Jackson County Missouri | 2 | $ 325,000 | $ 162,000 | $ 71,000 |
| Ray County Missouri | 2 | $ 156,000 | $ 78,000 | $ 167,000 |
| Delaware County Oklahoma | 2 | $ 235,000 | $ 117,000 | $ 33,000 |
| Oklahoma County Oklahoma | 2 | $ 11,000 | $ 5,000 | $ 90,000 |
| Douglas County Colorado | 1 | $ 302,000 | $ 302,000 | $ 131,000 |
| Elbert County Colorado | 1 | $ 157,000 | $ 157,000 | $ 78,000 |
| Cook County Illinois | 1 | $ 36,000 | $ 36,000 | $ 58,000 |
| Henry County Iowa | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Allen County Kansas | 1 | $ 83,000 | $ 83,000 | $ 56,000 |
| Barton County Kansas | 1 | $ 68,000 | $ 68,000 | $ 57,000 |
| Chase County Kansas | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Clay County Kansas | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Dickinson County Kansas | 1 | $ 27,000 | $ 27,000 | $ 176,000 |
| Douglas County Kansas | 1 | $ 287,000 | $ 287,000 | $ 100,000 |
| Elk County Kansas | 1 | $ 42,000 | $ 42,000 | $ 60,000 |
| Ellis County Kansas | 1 | $ 41,000 | $ 41,000 | $ 144,000 |
| Ford County Kansas | 1 | $ 81,000 | $ 81,000 | $ 74,000 |
| Geary County Kansas | 1 | $ 20,000 | $ 20,000 | $ 131,000 |
| Gray County Kansas | 1 | $ 290,000 | $ 290,000 | $ 165,000 |
| Linn County Kansas | 1 | $ 42,000 | $ 42,000 | $ 65,000 |
| Lyon County Kansas | 1 | $ 64,000 | $ 64,000 | $ 78,000 |
| Mitchell County Kansas | 1 | $ 78,000 | $ 78,000 | $ 38,000 |
| Nemaha County Kansas | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Ness County Kansas | 1 | $ 14,000 | $ 14,000 | $ 30,000 |
| Pawnee County Kansas | 1 | $ 11,000 | $ 11,000 | $ 54,000 |
| Pottawatomie County Kansas | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| Riley County Kansas | 1 | $ 90,000 | $ 90,000 | $ 46,000 |
| Saline County Kansas | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Wichita County Kansas | 1 | $ 8,000 | $ 8,000 | $ 94,000 |
| St. Louis County Missouri | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Craig County Oklahoma | 1 | $ 53,000 | $ 53,000 | $ 88,000 |
| Jackson County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Mayes County Oklahoma | 1 | $ 23,000 | $ 23,000 | $ 140,000 |
| McCurtain County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Woods County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Heartland Credit Union in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 466 | $52,630,000 | $112,000 | $1,208,000 | $84,000 | $708,000 |
| Home Purchase | 286 | $29,342,000 | $102,000 | $418,000 | $69,000 | $220,000 |
| Home Improvement | 220 | $5,365,000 | $24,000 | $200,000 | $79,000 | $237,000 |
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 | 866 | $81,489,000 | $94,000 | $1,208,000 | $80,000 | $708,000 |
| Not Provided | 56 | $2,902,000 | $51,000 | $245,000 | $78,000 | $164,000 |
| Hispanic | 38 | $2,379,000 | $62,000 | $219,000 | $56,000 | $108,000 |
| Black or African American | 6 | $298,000 | $49,000 | $120,000 | $59,000 | $99,000 |
| Asian | 4 | $251,000 | $62,000 | $93,000 | $71,000 | $109,000 |
| American Indian or Alaskan Native | 1 | $12,000 | $12,000 | $12,000 | $20,000 | $20,000 |
| Not applicable | 1 | $6,000 | $6,000 | $6,000 | $48,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 953 | $85,217,000 | $89,000 | $1,208,000 | $79,000 | $708,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,410,000 | $100,000 | $208,000 | $57,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 5 | $710,000 | $142,000 | $196,000 | $68,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 598 | $49,292,000 | $82,000 | $612,000 | $79,000 | $708,000 |
| Application Withdrawn By Applicant | 167 | $16,248,000 | $97,000 | $400,000 | $79,000 | $300,000 |
| Application Approved But Not Accepted | 145 | $17,189,000 | $118,000 | $1,208,000 | $86,000 | $587,000 |
| Application Denied By Financial Institution | 61 | $4,593,000 | $75,000 | $253,000 | $54,000 | $122,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $150,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 28 | $2,161,000 | $77,000 | $253,000 | $54,000 | $108,000 |
| Debt-To-Income Ratio | 21 | $1,409,000 | $67,000 | $203,000 | $47,000 | $102,000 |
| Other | 5 | $403,000 | $80,000 | $190,000 | $73,000 | $122,000 |
| Collateral | 3 | $382,000 | $127,000 | $245,000 | $81,000 | $91,000 |
| Unverifiable Information | 1 | $134,000 | $134,000 | $134,000 | $26,000 | $26,000 |
| Employment History | 1 | $39,000 | $39,000 | $39,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Credit Union's 2016 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 Credit Union'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 Kansas, download the full spreadsheet
with aggregated HMDA statistics today.