Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Heartland Bank & Trust Company of Bloomington, IL reported 1,855 mortgage applications totaling $213.3 million, down 55% from 2003. The average application was for $115,002, and applicants reported an average income of $71,035. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bloomington-Normal, IL (751), Peoria, IL (561) and Champaign-Urbana, IL (438) (applications in parentheses).
| Mortgage Company & Address | Heartland Bank & Trust Company 401 N Hershey Rd Bloomington, IL 61704 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 1,855 |
| Total Mortgage Loan Application Amount | $213,329,000 |
| Average Mortgage Loan Application Amount | $115,002 |
| Highest Mortgage Loan Application Amount | $2,457,000 |
| Average Applicant Income | $71,035 |
| Highest Applicant Income | $1,769,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McLean, Illinois | 751 | $ 91,404,000 | $ 121,709 | $ 75,000 |
| Champaign, Illinois | 392 | $ 50,878,000 | $ 129,790 | $ 84,000 |
| Tazewell, Illinois | 319 | $ 30,442,000 | $ 95,429 | $ 45,000 |
| Woodford, Illinois | 171 | $ 16,217,000 | $ 94,836 | $ 51,000 |
| Peoria, Illinois | 71 | $ 6,962,000 | $ 98,056 | $ 97,000 |
| Ford, Illinois | 31 | $ 1,750,000 | $ 56,451 | $ 56,000 |
| Piatt, Illinois | 15 | $ 2,236,000 | $ 149,066 | $ 63,000 |
| De Witt, Illinois | 11 | $ 1,393,000 | $ 126,636 | $ 65,000 |
| Douglas, Illinois | 8 | $ 718,000 | $ 89,750 | $ 63,000 |
| Livingston, Illinois | 6 | $ 505,000 | $ 84,166 | $ 72,000 |
| LaSalle, Illinois | 5 | $ 229,000 | $ 45,800 | $ 59,000 |
| Fulton, Illinois | 4 | $ 305,000 | $ 76,250 | $ 38,000 |
| Vermilion, Illinois | 4 | $ 431,000 | $ 107,750 | $ 66,000 |
| Coles, Illinois | 3 | $ 176,000 | $ 58,666 | $ 49,000 |
| Cook, Illinois | 3 | $ 497,000 | $ 165,666 | $ 99,000 |
| Knox, Illinois | 3 | $ 406,000 | $ 135,333 | $ 93,000 |
| Logan, Illinois | 3 | $ 375,000 | $ 125,000 | $ 43,000 |
| Mason, Illinois | 3 | $ 250,000 | $ 83,333 | $ 49,000 |
| Sangamon, Illinois | 3 | $ 362,000 | $ 120,666 | $ 97,000 |
| Will, Illinois | 3 | $ 497,000 | $ 165,666 | $ 85,000 |
| Collier, Florida | 2 | $ 644,000 | $ 322,000 | $ 179,000 |
| Cass, Illinois | 2 | $ 104,000 | $ 52,000 | $ 75,000 |
| DeKalb, Illinois | 2 | $ 486,000 | $ 243,000 | $ 128,000 |
| Grundy, Illinois | 2 | $ 419,000 | $ 209,500 | $ 102,000 |
| Macon, Illinois | 2 | $ 164,000 | $ 82,000 | $ 92,000 |
| Moultrie, Illinois | 2 | $ 202,000 | $ 101,000 | $ 29,000 |
| Williamson, Illinois | 2 | $ 214,000 | $ 107,000 | $ 122,000 |
| Camden, Missouri | 2 | $ 330,000 | $ 165,000 | $ 179,000 |
| Maricopa, Arizona | 1 | $ 223,000 | $ 223,000 | $ 50,000 |
| Cleburne, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 68,000 |
| Los Angeles, California | 1 | $ 450,000 | $ 450,000 | $ 54,000 |
| Larimer, Colorado | 1 | $ 293,000 | $ 293,000 | $ 194,000 |
| Broward, Florida | 1 | $ 248,000 | $ 248,000 | $ 152,000 |
| Lake, Florida | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| Lee, Florida | 1 | $ 180,000 | $ 180,000 | $ 159,000 |
| Manatee, Florida | 1 | $ 155,000 | $ 155,000 | $ 155,000 |
| Volusia, Florida | 1 | $ 334,000 | $ 334,000 | $ 335,000 |
| Chatham, Georgia | 1 | $ 136,000 | $ 136,000 | $ 139,000 |
| Christian, Illinois | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| DuPage, Illinois | 1 | $ 238,000 | $ 238,000 | $ 84,000 |
| Effingham, Illinois | 1 | $ 139,000 | $ 139,000 | $ 121,000 |
| Henry, Illinois | 1 | $ 50,000 | $ 50,000 | $ 119,000 |
| Iroquois, Illinois | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Kane, Illinois | 1 | $ 100,000 | $ 100,000 | $ 87,000 |
| Kankakee, Illinois | 1 | $ 157,000 | $ 157,000 | $ 25,000 |
| Rock Island, Illinois | 1 | $ 65,000 | $ 65,000 | $ 112,000 |
| Washington, Illinois | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Newton, Indiana | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Polk, Iowa | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Miller, Missouri | 1 | $ 78,000 | $ 78,000 | $ 34,000 |
| St. Charles, Missouri | 1 | $ 102,000 | $ 102,000 | $ 59,000 |
| St. Louis, Missouri | 1 | $ 177,000 | $ 177,000 | $ 40,000 |
| Stone, Missouri | 1 | $ 100,000 | $ 100,000 | $ 105,000 |
| Rutherford, Tennessee | 1 | $ 96,000 | $ 96,000 | $ 174,000 |
| Travis, Texas | 1 | $ 178,000 | $ 178,000 | $ 52,000 |
| Arlington, Virginia | 1 | $ 241,000 | $ 241,000 | $ 64,000 |
| Walworth, Wisconsin | 1 | $ 334,000 | $ 334,000 | $ 339,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2004
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 | 848 | $103,911,000 | $186,750 | $2,457,000 | $106,916 | $700,000 |
| Refinancing | 759 | $95,497,000 | $165,800 | $1,372,000 | $113,600 | $1,769,000 |
| Home Improvement | 248 | $13,921,000 | $56,000 | $880,000 | $54,000 | $615,000 |
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 | 1,745 | $192,850,000 | $184,933 | $1,372,000 | $110,066 | $1,769,000 |
| Not applicable | 36 | $11,640,000 | $321,500 | $2,457,000 | $0 | $0 |
| Asian | 30 | $3,833,000 | $127,000 | $334,000 | $70,000 | $200,000 |
| Black or African American | 16 | $1,448,000 | $90,000 | $184,000 | $117,000 | $500,000 |
| Not Provided | 14 | $1,977,000 | $141,000 | $297,000 | $86,000 | $275,000 |
| Hispanic | 13 | $1,313,000 | $101,000 | $323,000 | $75,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $268,000 | $268,000 | $268,000 | $226,000 | $226,000 |
| American Indian or Alaskan Native | 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) | 1,852 | $213,062,000 | $186,000 | $2,457,000 | $108,000 | $1,769,000 |
| FHA-insured (Federal Housing Administration) | 2 | $183,000 | $91,000 | $162,000 | $20,000 | $38,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $84,000 | $84,000 | $84,000 | $53,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 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 | 1,712 | $199,350,000 | $201,500 | $2,457,000 | $115,071 | $1,769,000 |
| Application Denied By Financial Institution | 75 | $6,341,000 | $44,500 | $334,000 | $37,500 | $200,000 |
| Application Approved But Not Accepted | 54 | $6,276,000 | $140,500 | $476,000 | $115,000 | $434,000 |
| Application Withdrawn By Applicant | 14 | $1,362,000 | $97,000 | $222,000 | $55,000 | $109,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 46 | $3,476,000 | $40,500 | $334,000 | $37,500 | $200,000 |
| Debt-To-Income Ratio | 21 | $2,180,000 | $103,000 | $225,000 | $49,000 | $129,000 |
| Collateral | 3 | $355,000 | $118,000 | $180,000 | $44,000 | $91,000 |
| Other | 3 | $231,000 | $77,000 | $98,000 | $61,000 | $71,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $32,000 | $32,000 |
| Employment History | 1 | $39,000 | $39,000 | $39,000 | $0 | $0 |
| 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 Bank & Trust Company's 2004 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 & Trust Company'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.
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