Heartland Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Heartland Bank And Trust Company 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Heartland Bank And Trust Company 401 N Hershey Rd Bloomington, IL 61704 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 4,122 |
| Total Mortgage Loan Application Amount | $561,108,000 |
| Average Mortgage Loan Application Amount | $116,666 |
| Highest Mortgage Loan Application Amount | $7,654,000 |
| Average Applicant Income | $85,666 |
| Highest Applicant Income | $1,300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Heartland Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Heartland Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Heartland Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Heartland Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Heartland Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Heartland Bank And Trust Company's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McLean County Illinois | 1,380 | $ 208,456,000 | $ 151,000 | $ 110,000 |
| Tazewell County Illinois | 735 | $ 87,466,000 | $ 119,000 | $ 75,000 |
| Champaign County Illinois | 614 | $ 96,920,000 | $ 157,000 | $ 98,000 |
| Woodford County Illinois | 388 | $ 47,032,000 | $ 121,000 | $ 80,000 |
| Peoria County Illinois | 233 | $ 39,526,000 | $ 169,000 | $ 93,000 |
| McDonough County Illinois | 214 | $ 16,391,000 | $ 76,000 | $ 61,000 |
| Adams County Illinois | 116 | $ 11,782,000 | $ 101,000 | $ 75,000 |
| Marion County Missouri | 72 | $ 6,175,000 | $ 85,000 | $ 56,000 |
| Clark County Missouri | 33 | $ 2,595,000 | $ 78,000 | $ 60,000 |
| Ford County Illinois | 30 | $ 2,596,000 | $ 86,000 | $ 70,000 |
| Piatt County Illinois | 26 | $ 3,176,000 | $ 122,000 | $ 93,000 |
| De Witt County Illinois | 20 | $ 3,215,000 | $ 160,000 | $ 120,000 |
| Lewis County Missouri | 20 | $ 1,257,000 | $ 62,000 | $ 44,000 |
| Livingston County Illinois | 19 | $ 1,895,000 | $ 99,000 | $ 116,000 |
| Sangamon County Illinois | 17 | $ 2,549,000 | $ 149,000 | $ 43,000 |
| Cook County Illinois | 16 | $ 3,771,000 | $ 235,000 | $ 130,000 |
| Fulton County Illinois | 11 | $ 725,000 | $ 65,000 | $ 59,000 |
| Marshall County Illinois | 11 | $ 1,139,000 | $ 103,000 | $ 85,000 |
| Douglas County Illinois | 10 | $ 1,519,000 | $ 151,000 | $ 118,000 |
| Mason County Illinois | 10 | $ 917,000 | $ 91,000 | $ 66,000 |
| Hancock County Illinois | 9 | $ 764,000 | $ 84,000 | $ 80,000 |
| Knox County Illinois | 9 | $ 1,473,000 | $ 163,000 | $ 157,000 |
| Camden County Missouri | 8 | $ 1,531,000 | $ 191,000 | $ 178,000 |
| DuPage County Illinois | 7 | $ 1,155,000 | $ 165,000 | $ 85,000 |
| Logan County Illinois | 6 | $ 535,000 | $ 89,000 | $ 111,000 |
| Stark County Illinois | 5 | $ 290,000 | $ 58,000 | $ 29,000 |
| Pinellas County Florida | 4 | $ 1,195,000 | $ 298,000 | $ 147,000 |
| Vermilion County Illinois | 4 | $ 565,000 | $ 141,000 | $ 83,000 |
| Macoupin County Illinois | 3 | $ 236,000 | $ 78,000 | $ 134,000 |
| Madison County Illinois | 3 | $ 501,000 | $ 167,000 | $ 68,000 |
| Menard County Illinois | 3 | $ 370,000 | $ 123,000 | $ 91,000 |
| Warren County Illinois | 3 | $ 246,000 | $ 82,000 | $ 127,000 |
| Will County Illinois | 3 | $ 492,000 | $ 164,000 | $ 95,000 |
| Williamson County Illinois | 3 | $ 399,000 | $ 133,000 | $ 164,000 |
| Ralls County Missouri | 3 | $ 254,000 | $ 84,000 | $ 64,000 |
| Larimer County Colorado | 2 | $ 577,000 | $ 288,000 | $ 180,000 |
| Grundy County Illinois | 2 | $ 438,000 | $ 219,000 | $ 351,000 |
| Iroquois County Illinois | 2 | $ 295,000 | $ 147,000 | $ 198,000 |
| Johnson County Illinois | 2 | $ 410,000 | $ 205,000 | $ 146,000 |
| LaSalle County Illinois | 2 | $ 158,000 | $ 79,000 | $ 79,000 |
| Moultrie County Illinois | 2 | $ 282,000 | $ 141,000 | $ 96,000 |
| Hamilton County Indiana | 2 | $ 424,000 | $ 212,000 | $ 198,000 |
| Monroe County Indiana | 2 | $ 289,000 | $ 144,000 | $ 143,000 |
| Morgan County Missouri | 2 | $ 421,000 | $ 210,000 | $ 118,000 |
| Pike County Missouri | 2 | $ 198,000 | $ 99,000 | $ 39,000 |
| St. Louis City County Missouri | 2 | $ 281,000 | $ 140,000 | $ 108,000 |
| Rogers County Oklahoma | 2 | $ 720,000 | $ 360,000 | $ 126,000 |
| Travis County Texas | 2 | $ 324,000 | $ 162,000 | $ 115,000 |
| Salt Lake County Utah | 2 | $ 247,000 | $ 123,000 | $ 143,000 |
| Sawyer County Wisconsin | 2 | $ 442,000 | $ 221,000 | $ 189,000 |
| Pima County Arizona | 1 | $ 133,000 | $ 133,000 | $ 200,000 |
| Baxter County Arkansas | 1 | $ 240,000 | $ 240,000 | $ 116,000 |
| Marion County Arkansas | 1 | $ 132,000 | $ 132,000 | $ 115,000 |
| Archuleta County Colorado | 1 | $ 256,000 | $ 256,000 | $ 328,000 |
| Boulder County Colorado | 1 | $ 229,000 | $ 229,000 | $ 213,000 |
| Gunnison County Colorado | 1 | $ 231,000 | $ 231,000 | $ 82,000 |
| Charlotte County Florida | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Collier County Florida | 1 | $ 100,000 | $ 100,000 | $ 164,000 |
| Lee County Florida | 1 | $ 54,000 | $ 54,000 | $ 28,000 |
| Okaloosa County Florida | 1 | $ 173,000 | $ 173,000 | $ 195,000 |
| Polk County Florida | 1 | $ 104,000 | $ 104,000 | $ 112,000 |
| Cobb County Georgia | 1 | $ 198,000 | $ 198,000 | $ 137,000 |
| Brown County Illinois | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Clinton County Illinois | 1 | $ 240,000 | $ 240,000 | $ 64,000 |
| Coles County Illinois | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Henry County Illinois | 1 | $ 52,000 | $ 52,000 | $ 120,000 |
| Jackson County Illinois | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Kane County Illinois | 1 | $ 170,000 | $ 170,000 | $ 113,000 |
| Kendall County Illinois | 1 | $ 170,000 | $ 170,000 | $ 82,000 |
| Macon County Illinois | 1 | $ 176,000 | $ 176,000 | $ 63,000 |
| Morgan County Illinois | 1 | $ 106,000 | $ 106,000 | $ 188,000 |
| Pike County Illinois | 1 | $ 46,000 | $ 46,000 | $ 61,000 |
| Schuyler County Illinois | 1 | $ 42,000 | $ 42,000 | $ 56,000 |
| Whiteside County Illinois | 1 | $ 24,000 | $ 24,000 | $ 20,000 |
| Winnebago County Illinois | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Johnson County Indiana | 1 | $ 227,000 | $ 227,000 | $ 159,000 |
| Marion County Indiana | 1 | $ 211,000 | $ 211,000 | $ 156,000 |
| St. Joseph County Indiana | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| McCracken County Kentucky | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| East Baton Rouge County Louisiana | 1 | $ 172,000 | $ 172,000 | $ 89,000 |
| Van Buren County Michigan | 1 | $ 160,000 | $ 160,000 | $ 100,000 |
| Monroe County Missouri | 1 | $ 69,000 | $ 69,000 | $ 37,000 |
| Scotland County Missouri | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Shelby County Missouri | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| St. Louis County Missouri | 1 | $ 172,000 | $ 172,000 | $ 167,000 |
| Clark County Nevada | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 283,000 |
| Wake County North Carolina | 1 | $ 392,000 | $ 392,000 | $ 292,000 |
| Horry County South Carolina | 1 | $ 79,000 | $ 79,000 | $ 77,000 |
| Shelby County Tennessee | 1 | $ 252,000 | $ 252,000 | $ 121,000 |
| Smith County Texas | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Richmond City County Virginia | 1 | $ 250,000 | $ 250,000 | $ 358,000 |
| Lincoln County Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 60,000 |
| Sauk County Wisconsin | 1 | $ 277,000 | $ 277,000 | $ 197,000 |
Mortgage Loan Application Detail Totals for Heartland Bank And Trust Company in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,208 | $453,445,000 | $141,000 | $7,654,000 | $96,000 | $1,200,000 |
| Home Purchase | 684 | $89,709,000 | $131,000 | $3,600,000 | $81,000 | $1,300,000 |
| Home Improvement | 230 | $17,954,000 | $78,000 | $868,000 | $80,000 | $541,000 |
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 | 3,722 | $488,083,000 | $131,000 | $868,000 | $94,000 | $1,300,000 |
| Not Provided | 162 | $20,150,000 | $124,000 | $500,000 | $86,000 | $444,000 |
| Not applicable | 101 | $29,842,000 | $295,000 | $7,654,000 | $0 | $0 |
| Asian | 82 | $13,998,000 | $170,000 | $430,000 | $129,000 | $1,200,000 |
| Black or African American | 23 | $4,678,000 | $203,000 | $600,000 | $107,000 | $260,000 |
| Hispanic | 21 | $2,662,000 | $126,000 | $417,000 | $82,000 | $352,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $848,000 | $141,000 | $200,000 | $126,000 | $190,000 |
| American Indian or Alaskan Native | 5 | $847,000 | $169,000 | $300,000 | $92,000 | $175,000 |
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) | 4,083 | $558,119,000 | $136,000 | $7,654,000 | $93,000 | $1,300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $2,989,000 | $76,000 | $138,000 | $39,000 | $102,000 |
| 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 | 3,698 | $511,513,000 | $138,000 | $7,654,000 | $95,000 | $1,300,000 |
| Application Denied By Financial Institution | 168 | $15,218,000 | $90,000 | $500,000 | $52,000 | $193,000 |
| Application Withdrawn By Applicant | 160 | $19,979,000 | $124,000 | $379,000 | $77,000 | $432,000 |
| Application Approved But Not Accepted | 96 | $14,398,000 | $149,000 | $417,000 | $93,000 | $352,000 |
| 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 | 95 | $7,475,000 | $78,000 | $500,000 | $51,000 | $150,000 |
| Debt-To-Income Ratio | 45 | $4,548,000 | $101,000 | $417,000 | $43,000 | $104,000 |
| Collateral | 22 | $2,750,000 | $125,000 | $415,000 | $75,000 | $193,000 |
| Other | 2 | $119,000 | $59,000 | $74,000 | $48,000 | $77,000 |
| Employment History | 2 | $136,000 | $68,000 | $79,000 | $53,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $130,000 | $130,000 | $130,000 | $78,000 | $78,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $29,000 | $29,000 |
| Credit Application Incomplete | 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 And Trust Company's 2009 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 And 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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with aggregated HMDA statistics today.