Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, Heartland Bank & Trust Company of Bloomington, IL reported 1,427 mortgage applications totaling $176.0 million, up 6% from 2006. The average application was for $123,360, and applicants reported an average income of $88,927. 87% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Peoria, IL (572), Bloomington-Normal, IL (481) and Champaign-Urbana, IL (268) (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 | 1,427 |
| Total Mortgage Loan Application Amount | $176,036,000 |
| Average Mortgage Loan Application Amount | $123,360 |
| Highest Mortgage Loan Application Amount | $1,584,000 |
| Average Applicant Income | $88,927 |
| Highest Applicant Income | $1,402,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 481 | $ 66,022,000 | $ 137,259 | $ 104,000 |
| Tazewell, Illinois | 317 | $ 35,660,000 | $ 112,492 | $ 79,000 |
| Champaign, Illinois | 241 | $ 31,635,000 | $ 131,265 | $ 75,000 |
| Woodford, Illinois | 157 | $ 16,021,000 | $ 102,044 | $ 65,000 |
| Peoria, Illinois | 95 | $ 9,952,000 | $ 104,757 | $ 88,000 |
| Ford, Illinois | 16 | $ 1,231,000 | $ 76,937 | $ 52,000 |
| Douglas, Illinois | 11 | $ 912,000 | $ 82,909 | $ 57,000 |
| Piatt, Illinois | 11 | $ 1,213,000 | $ 110,272 | $ 79,000 |
| De Witt, Illinois | 9 | $ 937,000 | $ 104,111 | $ 87,000 |
| Livingston, Illinois | 9 | $ 607,000 | $ 67,444 | $ 62,000 |
| Knox, Illinois | 6 | $ 664,000 | $ 110,666 | $ 119,000 |
| Sangamon, Illinois | 6 | $ 1,322,000 | $ 220,333 | $ 116,000 |
| Camden, Missouri | 6 | $ 991,000 | $ 165,166 | $ 202,000 |
| Cook, Illinois | 5 | $ 1,161,000 | $ 232,200 | $ 127,000 |
| Fulton, Illinois | 5 | $ 220,000 | $ 44,000 | $ 42,000 |
| DuPage, Illinois | 3 | $ 266,000 | $ 88,666 | $ 69,000 |
| Kendall, Illinois | 3 | $ 376,000 | $ 125,333 | $ 61,000 |
| Broward, Florida | 2 | $ 328,000 | $ 164,000 | $ 72,000 |
| Coles, Illinois | 2 | $ 48,000 | $ 24,000 | $ 113,000 |
| Marshall, Illinois | 2 | $ 316,000 | $ 158,000 | $ 79,000 |
| Mason, Illinois | 2 | $ 109,000 | $ 54,500 | $ 46,000 |
| Monroe, Indiana | 2 | $ 78,000 | $ 39,000 | $ 167,000 |
| Bexar, Texas | 2 | $ 1,317,000 | $ 658,500 | $ 1,251,000 |
| Smith, Texas | 2 | $ 223,000 | $ 111,500 | $ 95,000 |
| Maricopa, Arizona | 1 | $ 240,000 | $ 240,000 | $ 178,000 |
| Sharp, Arkansas | 1 | $ 44,000 | $ 44,000 | $ 60,000 |
| Lee, Florida | 1 | $ 214,000 | $ 214,000 | $ 90,000 |
| St. Johns, Florida | 1 | $ 361,000 | $ 361,000 | $ 200,000 |
| Bureau, Illinois | 1 | $ 293,000 | $ 293,000 | $ 120,000 |
| Cumberland, Illinois | 1 | $ 42,000 | $ 42,000 | $ 86,000 |
| Hancock, Illinois | 1 | $ 64,000 | $ 64,000 | $ 49,000 |
| Iroquois, Illinois | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Kane, Illinois | 1 | $ 250,000 | $ 250,000 | $ 275,000 |
| LaSalle, Illinois | 1 | $ 47,000 | $ 47,000 | $ 59,000 |
| Logan, Illinois | 1 | $ 70,000 | $ 70,000 | $ 101,000 |
| Macon, Illinois | 1 | $ 228,000 | $ 228,000 | $ 70,000 |
| Macoupin, Illinois | 1 | $ 100,000 | $ 100,000 | $ 148,000 |
| Madison, Illinois | 1 | $ 140,000 | $ 140,000 | $ 100,000 |
| McDonough, Illinois | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| McHenry, Illinois | 1 | $ 176,000 | $ 176,000 | $ 99,000 |
| St. Clair, Illinois | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Stark, Illinois | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Vermilion, Illinois | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Will, Illinois | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| Hamilton, Indiana | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Johnson, Indiana | 1 | $ 230,000 | $ 230,000 | $ 140,000 |
| Vigo, Indiana | 1 | $ 152,000 | $ 152,000 | $ 50,000 |
| Johnson, Kansas | 1 | $ 175,000 | $ 175,000 | $ 201,000 |
| Antrim, Michigan | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Leelanau, Michigan | 1 | $ 250,000 | $ 250,000 | $ 435,000 |
| Marion, Missouri | 1 | $ 66,000 | $ 66,000 | $ 239,000 |
| Morgan, Missouri | 1 | $ 200,000 | $ 200,000 | $ 127,000 |
| Rogers, Oklahoma | 1 | $ 74,000 | $ 74,000 | $ 185,000 |
| Shelby, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Sauk, Wisconsin | 1 | $ 286,000 | $ 286,000 | $ 197,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2007
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 | 642 | $87,101,000 | $135,000 | $1,584,000 | $89,000 | $1,200,000 |
| Refinancing | 599 | $78,191,000 | $130,000 | $920,000 | $91,000 | $1,402,000 |
| Home Improvement | 186 | $10,744,000 | $57,000 | $336,000 | $82,000 | $750,000 |
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 | 1,279 | $153,844,000 | $120,000 | $920,000 | $94,000 | $1,402,000 |
| Not applicable | 86 | $15,258,000 | $177,000 | $1,584,000 | $17,000 | $750,000 |
| Not Provided | 27 | $2,929,000 | $108,000 | $417,000 | $76,000 | $204,000 |
| Black or African American | 13 | $1,277,000 | $98,000 | $250,000 | $58,000 | $128,000 |
| Hispanic | 12 | $1,166,000 | $97,000 | $280,000 | $87,000 | $255,000 |
| Asian | 9 | $1,387,000 | $154,000 | $385,000 | $94,000 | $212,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $201,000 | $201,000 |
| 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) | 1,420 | $175,371,000 | $123,000 | $1,584,000 | $89,000 | $1,402,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $665,000 | $95,000 | $118,000 | $41,000 | $78,000 |
| 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 | 1,239 | $152,946,000 | $123,000 | $1,584,000 | $91,000 | $1,200,000 |
| Application Denied By Financial Institution | 109 | $11,578,000 | $106,000 | $920,000 | $57,000 | $380,000 |
| Application Approved But Not Accepted | 44 | $6,645,000 | $151,000 | $542,000 | $108,000 | $1,402,000 |
| Application Withdrawn By Applicant | 35 | $4,867,000 | $139,000 | $412,000 | $81,000 | $292,000 |
| 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 | 67 | $6,292,000 | $93,000 | $352,000 | $59,000 | $145,000 |
| Debt-To-Income Ratio | 29 | $3,072,000 | $105,000 | $335,000 | $51,000 | $143,000 |
| Employment History | 5 | $433,000 | $86,000 | $150,000 | $10,000 | $32,000 |
| Collateral | 5 | $1,242,000 | $248,000 | $920,000 | $118,000 | $380,000 |
| Unverifiable Information | 2 | $520,000 | $260,000 | $370,000 | $31,000 | $62,000 |
| Other | 1 | $19,000 | $19,000 | $19,000 | $85,000 | $85,000 |
| Credit Application Incomplete | 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 2007 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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