Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, Heartland Bank & Trust Company of Bloomington, IL reported 1,662 mortgage applications totaling $194.1 million, down 10% from 2004. The average application was for $116,812, and applicants reported an average income of $77,104. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Bloomington-Normal, IL (587), Peoria, IL (520) and Champaign-Urbana, IL (418) (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 | 1,662 |
| Total Mortgage Loan Application Amount | $194,143,000 |
| Average Mortgage Loan Application Amount | $116,812 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $77,104 |
| Highest Applicant Income | $2,111,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 587 | $ 69,713,000 | $ 118,761 | $ 83,000 |
| Champaign, Illinois | 380 | $ 50,512,000 | $ 132,926 | $ 78,000 |
| Tazewell, Illinois | 284 | $ 27,359,000 | $ 96,334 | $ 65,000 |
| Woodford, Illinois | 163 | $ 14,782,000 | $ 90,687 | $ 49,000 |
| Peoria, Illinois | 70 | $ 7,516,000 | $ 107,371 | $ 98,000 |
| Ford, Illinois | 25 | $ 1,488,000 | $ 59,520 | $ 51,000 |
| De Witt, Illinois | 20 | $ 2,004,000 | $ 100,200 | $ 74,000 |
| Douglas, Illinois | 15 | $ 1,656,000 | $ 110,400 | $ 80,000 |
| Livingston, Illinois | 13 | $ 970,000 | $ 74,615 | $ 64,000 |
| Piatt, Illinois | 13 | $ 1,440,000 | $ 110,769 | $ 88,000 |
| Vermilion, Illinois | 7 | $ 646,000 | $ 92,285 | $ 72,000 |
| LaSalle, Illinois | 5 | $ 375,000 | $ 75,000 | $ 58,000 |
| Macon, Illinois | 4 | $ 500,000 | $ 125,000 | $ 76,000 |
| Broward, Florida | 3 | $ 1,245,000 | $ 415,000 | $ 382,000 |
| Lee, Florida | 3 | $ 1,112,000 | $ 370,666 | $ 212,000 |
| Cook, Illinois | 3 | $ 561,000 | $ 187,000 | $ 114,000 |
| Edgar, Illinois | 3 | $ 101,000 | $ 33,666 | $ 48,000 |
| Kane, Illinois | 3 | $ 315,000 | $ 105,000 | $ 61,000 |
| Marshall, Illinois | 3 | $ 203,000 | $ 67,666 | $ 74,000 |
| Sangamon, Illinois | 3 | $ 257,000 | $ 85,666 | $ 75,000 |
| Collier, Florida | 2 | $ 888,000 | $ 444,000 | $ 287,000 |
| Leon, Florida | 2 | $ 563,000 | $ 281,500 | $ 120,000 |
| Osceola, Florida | 2 | $ 322,000 | $ 161,000 | $ 417,000 |
| Adams, Illinois | 2 | $ 232,000 | $ 116,000 | $ 150,000 |
| DuPage, Illinois | 2 | $ 707,000 | $ 353,500 | $ 51,000 |
| Logan, Illinois | 2 | $ 167,000 | $ 83,500 | $ 41,000 |
| Mason, Illinois | 2 | $ 77,000 | $ 38,500 | $ 22,000 |
| Scott, Iowa | 2 | $ 105,000 | $ 52,500 | $ 59,000 |
| Hamblen, Tennessee | 2 | $ 117,000 | $ 58,500 | $ 61,000 |
| Maricopa, Arizona | 1 | $ 106,000 | $ 106,000 | $ 77,000 |
| Pima, Arizona | 1 | $ 140,000 | $ 140,000 | $ 200,000 |
| Pinal, Arizona | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Larimer, Colorado | 1 | $ 359,000 | $ 359,000 | $ 180,000 |
| Charlotte, Florida | 1 | $ 360,000 | $ 360,000 | $ 754,000 |
| Manatee, Florida | 1 | $ 220,000 | $ 220,000 | $ 161,000 |
| Martin, Florida | 1 | $ 288,000 | $ 288,000 | $ 138,000 |
| Monroe, Florida | 1 | $ 1,650,000 | $ 1,650,000 | $ 21,000 |
| Palm Beach, Florida | 1 | $ 1,400,000 | $ 1,400,000 | $ 415,000 |
| St. Johns, Florida | 1 | $ 415,000 | $ 415,000 | $ 173,000 |
| Coles, Illinois | 1 | $ 71,000 | $ 71,000 | $ 155,000 |
| Grundy, Illinois | 1 | $ 250,000 | $ 250,000 | $ 145,000 |
| Iroquois, Illinois | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Jackson, Illinois | 1 | $ 58,000 | $ 58,000 | $ 77,000 |
| Jasper, Illinois | 1 | $ 99,000 | $ 99,000 | $ 74,000 |
| Johnson, Illinois | 1 | $ 140,000 | $ 140,000 | $ 123,000 |
| Knox, Illinois | 1 | $ 32,000 | $ 32,000 | $ 68,000 |
| Morgan, Illinois | 1 | $ 125,000 | $ 125,000 | $ 188,000 |
| Moultrie, Illinois | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| Ogle, Illinois | 1 | $ 50,000 | $ 50,000 | $ 69,000 |
| Putnam, Illinois | 1 | $ 57,000 | $ 57,000 | $ 34,000 |
| Rock Island, Illinois | 1 | $ 7,000 | $ 7,000 | $ 39,000 |
| St. Clair, Illinois | 1 | $ 112,000 | $ 112,000 | $ 64,000 |
| Williamson, Illinois | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Hendricks, Indiana | 1 | $ 87,000 | $ 87,000 | $ 58,000 |
| Vigo, Indiana | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Wayne, Michigan | 1 | $ 220,000 | $ 220,000 | $ 399,000 |
| Harrison, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Camden, Missouri | 1 | $ 113,000 | $ 113,000 | $ 116,000 |
| Jackson, Missouri | 1 | $ 114,000 | $ 114,000 | $ 130,000 |
| Wake, North Carolina | 1 | $ 32,000 | $ 32,000 | $ 100,000 |
| Rogers, Oklahoma | 1 | $ 360,000 | $ 360,000 | $ 200,000 |
| Knox, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 142,000 |
| Sevier, Tennessee | 1 | $ 224,000 | $ 224,000 | $ 58,000 |
| Travis, Texas | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Salt Lake, Utah | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Calumet, Wisconsin | 1 | $ 216,000 | $ 216,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2005
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 | 801 | $96,868,000 | $189,153 | $1,650,000 | $136,923 | $1,600,000 |
| Refinancing | 629 | $83,649,000 | $244,000 | $2,500,000 | $180,800 | $2,111,000 |
| Home Improvement | 232 | $13,626,000 | $58,000 | $805,000 | $77,000 | $1,011,000 |
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 | 1,542 | $179,396,000 | $172,133 | $2,500,000 | $127,200 | $2,111,000 |
| Not applicable | 38 | $4,674,000 | $123,000 | $675,000 | $0 | $0 |
| Asian | 26 | $3,744,000 | $144,000 | $480,000 | $96,000 | $217,000 |
| Black or African American | 21 | $1,954,000 | $93,000 | $281,000 | $70,000 | $136,000 |
| Not Provided | 20 | $2,657,000 | $132,000 | $360,000 | $91,000 | $229,000 |
| Hispanic | 11 | $1,183,000 | $107,000 | $254,000 | $62,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $233,000 | $116,000 | $193,000 | $95,000 | $145,000 |
| American Indian or Alaskan Native | 2 | $302,000 | $151,000 | $262,000 | $101,000 | $110,000 |
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) | 1,651 | $193,137,000 | $172,200 | $2,500,000 | $127,066 | $2,111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $932,000 | $93,000 | $130,000 | $47,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 1 | $74,000 | $74,000 | $74,000 | $29,000 | $29,000 |
| 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 | 1,535 | $177,644,000 | $177,428 | $2,500,000 | $135,571 | $2,111,000 |
| Application Approved But Not Accepted | 59 | $8,804,000 | $486,250 | $1,650,000 | $64,500 | $372,000 |
| Application Denied By Financial Institution | 50 | $5,654,000 | $113,000 | $470,000 | $56,000 | $200,000 |
| Application Withdrawn By Applicant | 17 | $1,941,000 | $79,000 | $320,000 | $25,500 | $143,000 |
| File Closed For Incompleteness | 1 | $100,000 | $100,000 | $100,000 | $78,000 | $78,000 |
| 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 | 27 | $1,955,000 | $72,000 | $165,000 | $53,000 | $99,000 |
| Debt-To-Income Ratio | 16 | $3,199,000 | $199,000 | $470,000 | $60,000 | $200,000 |
| Other | 4 | $361,000 | $90,000 | $128,000 | $87,000 | $195,000 |
| Collateral | 2 | $84,000 | $42,000 | $79,000 | $19,000 | $25,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $19,000 | $19,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2005 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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