Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Heartland Bank & Trust Company of Bloomington, IL reported 1,352 mortgage applications totaling $151.6 million, down 19% from 2005. The average application was for $112,130, and applicants reported an average income of $84,896. 90% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Bloomington-Normal, IL (510), Peoria, IL (427) and Champaign-Urbana, IL (315) (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 | 1,352 |
| Total Mortgage Loan Application Amount | $151,601,000 |
| Average Mortgage Loan Application Amount | $112,130 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $84,896 |
| Highest Applicant Income | $1,289,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 510 | $ 57,268,000 | $ 112,290 | $ 92,000 |
| Champaign, Illinois | 292 | $ 34,894,000 | $ 119,500 | $ 90,000 |
| Tazewell, Illinois | 243 | $ 23,909,000 | $ 98,390 | $ 68,000 |
| Woodford, Illinois | 134 | $ 13,589,000 | $ 101,410 | $ 69,000 |
| Peoria, Illinois | 47 | $ 4,456,000 | $ 94,808 | $ 104,000 |
| Ford, Illinois | 17 | $ 1,045,000 | $ 61,470 | $ 55,000 |
| De Witt, Illinois | 15 | $ 1,444,000 | $ 96,266 | $ 93,000 |
| Sangamon, Illinois | 10 | $ 858,000 | $ 85,800 | $ 88,000 |
| Camden, Missouri | 8 | $ 1,643,000 | $ 205,375 | $ 111,000 |
| Piatt, Illinois | 6 | $ 648,000 | $ 108,000 | $ 192,000 |
| Cook, Illinois | 5 | $ 1,646,000 | $ 329,200 | $ 91,000 |
| Iroquois, Illinois | 5 | $ 1,028,000 | $ 205,600 | $ 72,000 |
| Vermilion, Illinois | 5 | $ 420,000 | $ 84,000 | $ 54,000 |
| Douglas, Illinois | 4 | $ 319,000 | $ 79,750 | $ 70,000 |
| Henry, Illinois | 4 | $ 366,000 | $ 91,500 | $ 47,000 |
| Livingston, Illinois | 3 | $ 276,000 | $ 92,000 | $ 78,000 |
| Logan, Illinois | 3 | $ 222,000 | $ 74,000 | $ 35,000 |
| Marshall, Illinois | 3 | $ 246,000 | $ 82,000 | $ 49,000 |
| Will, Illinois | 3 | $ 957,000 | $ 319,000 | $ 129,000 |
| St. Johns, Florida | 2 | $ 678,000 | $ 339,000 | $ 268,000 |
| DeKalb, Illinois | 2 | $ 620,000 | $ 310,000 | $ 68,000 |
| Fulton, Illinois | 2 | $ 100,000 | $ 50,000 | $ 87,000 |
| Grundy, Illinois | 2 | $ 310,000 | $ 155,000 | $ 40,000 |
| Lake, Illinois | 2 | $ 150,000 | $ 75,000 | $ 54,000 |
| Menard, Illinois | 2 | $ 209,000 | $ 104,500 | $ 118,000 |
| St. Clair, Illinois | 2 | $ 350,000 | $ 175,000 | $ 65,000 |
| Warren, Illinois | 2 | $ 189,000 | $ 94,500 | $ 127,000 |
| Sawyer, Wisconsin | 2 | $ 790,000 | $ 395,000 | $ 199,000 |
| Baldwin, Alabama | 1 | $ 584,000 | $ 584,000 | $ 325,000 |
| Baxter, Arkansas | 1 | $ 70,000 | $ 70,000 | $ 67,000 |
| Boulder, Colorado | 1 | $ 244,000 | $ 244,000 | $ 279,000 |
| Cobb, Georgia | 1 | $ 417,000 | $ 417,000 | $ 137,000 |
| Knox, Illinois | 1 | $ 52,000 | $ 52,000 | $ 0 |
| LaSalle, Illinois | 1 | $ 53,000 | $ 53,000 | $ 45,000 |
| Macon, Illinois | 1 | $ 156,000 | $ 156,000 | $ 81,000 |
| Macoupin, Illinois | 1 | $ 210,000 | $ 210,000 | $ 144,000 |
| Mason, Illinois | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Putnam, Illinois | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Williamson, Illinois | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Fountain, Indiana | 1 | $ 228,000 | $ 228,000 | $ 64,000 |
| Rutherford, Tennessee | 1 | $ 32,000 | $ 32,000 | $ 19,000 |
| Sevier, Tennessee | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Salt Lake, Utah | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Vilas, Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
| Waushara, Wisconsin | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2006
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 | 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 |
| Home Improvement | 202 | $8,335,000 | $41,000 | $463,000 | $90,000 | $1,289,000 |
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 | 1,246 | $136,531,000 | $109,000 | $900,000 | $89,000 | $1,289,000 |
| Not applicable | 54 | $7,572,000 | $140,000 | $899,000 | $0 | $0 |
| 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 |
| Not Provided | 13 | $1,096,000 | $84,000 | $214,000 | $72,000 | $113,000 |
| Hispanic | 4 | $530,000 | $132,000 | $230,000 | $79,000 | $161,000 |
| American Indian or Alaskan Native | 2 | $118,000 | $59,000 | $78,000 | $53,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $220,000 | $220,000 | $220,000 | $348,000 | $348,000 |
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) | 1,345 | $150,897,000 | $112,000 | $1,100,000 | $85,000 | $1,289,000 |
| 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 |
| FHA-insured (Federal Housing 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 | 1,223 | $137,411,000 | $112,000 | $1,100,000 | $86,000 | $1,289,000 |
| Application Denied By Financial Institution | 69 | $5,529,000 | $80,000 | $257,000 | $61,000 | $350,000 |
| Application Approved But Not Accepted | 45 | $7,385,000 | $164,000 | $584,000 | $94,000 | $325,000 |
| Application Withdrawn By Applicant | 13 | $1,099,000 | $84,000 | $204,000 | $49,000 | $90,000 |
| 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 |
| File Closed For Incompleteness | 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 | 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 |
| Collateral | 5 | $249,000 | $49,000 | $74,000 | $116,000 | $350,000 |
| Employment History | 2 | $122,000 | $61,000 | $118,000 | $43,000 | $57,000 |
| Credit Application Incomplete | 1 | $77,000 | $77,000 | $77,000 | $0 | $0 |
| Other | 1 | $60,000 | $60,000 | $60,000 | $53,000 | $53,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2006 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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