Lenders › Heartland Bank › Kentucky
Heartland Bank in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Kentucky, Heartland Bank reported 239 applications and 181 originations for 2024, $40m in all.
Its denial rate in the state was 11.3%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 16.6%.
The median rate spread on its Kentucky originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Heartland Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.3% | 25.0% | 16.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.0% | 16.0% | 6.9% | 15.6% |
| Average originated loan | $222k | $219k | $316k | $329k |
| Home purchase share | 59.1% | 55.3% | 44.7% | 57.0% |
| FHA-insured share | 6.6% | 14.6% | 2.1% | 13.4% |
| VA-guaranteed share | 1.7% | 8.0% | 1.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 59% (107)Home improvement 3% (5)Refinancing 13% (23)Cash-out refinancing 4% (7)Other purpose 22% (39)
By type
Conventional 91% (164)FHA 7% (12)VA 2% (3)USDA 1% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Boone County | 83 | 62 | $12m | 16.2% |
| Kenton County | 74 | 55 | $12m | 9.8% |
| Campbell County | 47 | 35 | $9.9m | 7.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Heartland Bank originate in Kentucky in 2024?
181 loans totalling $40m, from 239 applications reported for properties in Kentucky.
What is Heartland Bank's denial rate in Kentucky?
11.3% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 16.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Heartland Bank lend in most?
By originations: Boone County (62), Kenton County (55), Campbell County (35).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.