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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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HEARTLAND BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
HEARTLAND BANK & TRUST |
| Address | 401 N HERSHEY ROAD
BLOOMINGTON, IL 61704 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,352 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $151,601,000 |
| Average Mortgage Loan Amount Applied For | $157,822 |
| Highest Mortgage Loan Amount Applied For | $1,100,000 |
| Average Applicant Income | $92,888 |
| Highest Applicant Income | $1,289,000 |
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| Home Improvement |
202 | $8,335,000 |
$41,000 | $463,000 |
$90,000 | $1,289,000 |
| Home Purchase |
690 | $83,456,000 |
$120,000 | $1,100,000 |
$84,000 | $670,000 |
| Refinancing |
460 | $59,810,000 |
$130,000 | $900,000 |
$84,000 | $831,000 |
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| American Indian or Alaskan Native |
2 | $118,000 |
$59,000 | $78,000 |
$53,000 | $60,000 |
| Asian |
19 | $3,841,000 |
$202,000 | $1,100,000 |
$80,000 | $215,000 |
| Black or African American |
13 | $1,693,000 |
$130,000 | $210,000 |
$75,000 | $156,000 |
| Hispanic |
4 | $530,000 |
$132,000 | $230,000 |
$79,000 | $161,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $220,000 |
$220,000 | $220,000 |
$348,000 | $348,000 |
| Not applicable |
54 | $7,572,000 |
$140,000 | $899,000 |
$0 | $0 |
| Not Provided |
13 | $1,096,000 |
$84,000 | $214,000 |
$72,000 | $113,000 |
| White |
1,246 | $136,531,000 |
$109,000 | $900,000 |
$89,000 | $1,289,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,345 | $150,897,000 |
$112,000 | $1,100,000 |
$85,000 | $1,289,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $704,000 |
$100,000 | $156,000 |
$39,000 | $77,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
45 | $7,385,000 |
$164,000 | $584,000 |
$94,000 | $325,000 |
| Application Denied By Financial Institution |
69 | $5,529,000 |
$80,000 | $257,000 |
$61,000 | $350,000 |
| Application Withdrawn By Applicant |
13 | $1,099,000 |
$84,000 | $204,000 |
$49,000 | $90,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,223 | $137,411,000 |
$112,000 | $1,100,000 |
$86,000 | $1,289,000 |
| Loan Purchased By The Institution |
2 | $177,000 |
$88,000 | $99,000 |
$89,000 | $179,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
5 | $249,000 |
$49,000 | $74,000 |
$116,000 | $350,000 |
| Credit Application Incomplete |
1 | $77,000 |
$77,000 | $77,000 |
$0 | $0 |
| Credit History |
43 | $3,121,000 |
$72,000 | $257,000 |
$58,000 | $201,000 |
| Debt-To-Income Ratio |
17 | $1,900,000 |
$111,000 | $223,000 |
$60,000 | $114,000 |
| Employment History |
2 | $122,000 |
$61,000 | $118,000 |
$43,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $60,000 |
$60,000 | $60,000 |
$53,000 | $53,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HEARTLAND BANK & TRUST by:
Metropolitan Area And
County
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