Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, Heartland Bank & Trust Company of Bloomington, IL reported 4,122 mortgage applications totaling $561.1 million, up 116% from 2008. The average application was for $136,125, and applicants reported an average income of $92,618. 90% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bloomington-Normal, IL (1,380), Peoria, IL (1,372) and Champaign-Urbana, IL (670) (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 | 4,122 |
| Total Mortgage Loan Application Amount | $561,108,000 |
| Average Mortgage Loan Application Amount | $136,125 |
| Highest Mortgage Loan Application Amount | $7,654,000 |
| Average Applicant Income | $92,618 |
| Highest Applicant Income | $1,300,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,380 | $ 208,456,000 | $ 151,055 | $ 110,000 |
| Tazewell, Illinois | 735 | $ 87,466,000 | $ 119,001 | $ 75,000 |
| Champaign, Illinois | 614 | $ 96,920,000 | $ 157,850 | $ 98,000 |
| Woodford, Illinois | 388 | $ 47,032,000 | $ 121,216 | $ 80,000 |
| Peoria, Illinois | 233 | $ 39,526,000 | $ 169,639 | $ 93,000 |
| McDonough, Illinois | 214 | $ 16,391,000 | $ 76,593 | $ 61,000 |
| Adams, Illinois | 116 | $ 11,782,000 | $ 101,568 | $ 75,000 |
| Marion, Missouri | 72 | $ 6,175,000 | $ 85,763 | $ 56,000 |
| Clark, Missouri | 33 | $ 2,595,000 | $ 78,636 | $ 60,000 |
| Ford, Illinois | 30 | $ 2,596,000 | $ 86,533 | $ 70,000 |
| Piatt, Illinois | 26 | $ 3,176,000 | $ 122,153 | $ 93,000 |
| De Witt, Illinois | 20 | $ 3,215,000 | $ 160,750 | $ 120,000 |
| Lewis, Missouri | 20 | $ 1,257,000 | $ 62,850 | $ 44,000 |
| Livingston, Illinois | 19 | $ 1,895,000 | $ 99,736 | $ 116,000 |
| Sangamon, Illinois | 17 | $ 2,549,000 | $ 149,941 | $ 43,000 |
| Cook, Illinois | 16 | $ 3,771,000 | $ 235,687 | $ 130,000 |
| Fulton, Illinois | 11 | $ 725,000 | $ 65,909 | $ 59,000 |
| Marshall, Illinois | 11 | $ 1,139,000 | $ 103,545 | $ 85,000 |
| Douglas, Illinois | 10 | $ 1,519,000 | $ 151,900 | $ 118,000 |
| Mason, Illinois | 10 | $ 917,000 | $ 91,700 | $ 66,000 |
| Hancock, Illinois | 9 | $ 764,000 | $ 84,888 | $ 80,000 |
| Knox, Illinois | 9 | $ 1,473,000 | $ 163,666 | $ 157,000 |
| Camden, Missouri | 8 | $ 1,531,000 | $ 191,375 | $ 178,000 |
| DuPage, Illinois | 7 | $ 1,155,000 | $ 165,000 | $ 85,000 |
| Logan, Illinois | 6 | $ 535,000 | $ 89,166 | $ 111,000 |
| Stark, Illinois | 5 | $ 290,000 | $ 58,000 | $ 29,000 |
| Pinellas, Florida | 4 | $ 1,195,000 | $ 298,750 | $ 147,000 |
| Vermilion, Illinois | 4 | $ 565,000 | $ 141,250 | $ 83,000 |
| Macoupin, Illinois | 3 | $ 236,000 | $ 78,666 | $ 134,000 |
| Madison, Illinois | 3 | $ 501,000 | $ 167,000 | $ 68,000 |
| Menard, Illinois | 3 | $ 370,000 | $ 123,333 | $ 91,000 |
| Warren, Illinois | 3 | $ 246,000 | $ 82,000 | $ 127,000 |
| Will, Illinois | 3 | $ 492,000 | $ 164,000 | $ 95,000 |
| Williamson, Illinois | 3 | $ 399,000 | $ 133,000 | $ 164,000 |
| Ralls, Missouri | 3 | $ 254,000 | $ 84,666 | $ 64,000 |
| Larimer, Colorado | 2 | $ 577,000 | $ 288,500 | $ 180,000 |
| Grundy, Illinois | 2 | $ 438,000 | $ 219,000 | $ 351,000 |
| Iroquois, Illinois | 2 | $ 295,000 | $ 147,500 | $ 198,000 |
| Johnson, Illinois | 2 | $ 410,000 | $ 205,000 | $ 146,000 |
| LaSalle, Illinois | 2 | $ 158,000 | $ 79,000 | $ 79,000 |
| Moultrie, Illinois | 2 | $ 282,000 | $ 141,000 | $ 96,000 |
| Hamilton, Indiana | 2 | $ 424,000 | $ 212,000 | $ 198,000 |
| Monroe, Indiana | 2 | $ 289,000 | $ 144,500 | $ 143,000 |
| Morgan, Missouri | 2 | $ 421,000 | $ 210,500 | $ 118,000 |
| Pike, Missouri | 2 | $ 198,000 | $ 99,000 | $ 39,000 |
| St. Louis City, Missouri | 2 | $ 281,000 | $ 140,500 | $ 108,000 |
| Rogers, Oklahoma | 2 | $ 720,000 | $ 360,000 | $ 126,000 |
| Travis, Texas | 2 | $ 324,000 | $ 162,000 | $ 115,000 |
| Salt Lake, Utah | 2 | $ 247,000 | $ 123,500 | $ 143,000 |
| Sawyer, Wisconsin | 2 | $ 442,000 | $ 221,000 | $ 189,000 |
| Pima, Arizona | 1 | $ 133,000 | $ 133,000 | $ 200,000 |
| Baxter, Arkansas | 1 | $ 240,000 | $ 240,000 | $ 116,000 |
| Marion, Arkansas | 1 | $ 132,000 | $ 132,000 | $ 115,000 |
| Archuleta, Colorado | 1 | $ 256,000 | $ 256,000 | $ 328,000 |
| Boulder, Colorado | 1 | $ 229,000 | $ 229,000 | $ 213,000 |
| Gunnison, Colorado | 1 | $ 231,000 | $ 231,000 | $ 82,000 |
| Charlotte, Florida | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Collier, Florida | 1 | $ 100,000 | $ 100,000 | $ 164,000 |
| Lee, Florida | 1 | $ 54,000 | $ 54,000 | $ 28,000 |
| Okaloosa, Florida | 1 | $ 173,000 | $ 173,000 | $ 195,000 |
| Polk, Florida | 1 | $ 104,000 | $ 104,000 | $ 112,000 |
| Cobb, Georgia | 1 | $ 198,000 | $ 198,000 | $ 137,000 |
| Brown, Illinois | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Clinton, Illinois | 1 | $ 240,000 | $ 240,000 | $ 64,000 |
| Coles, Illinois | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Henry, Illinois | 1 | $ 52,000 | $ 52,000 | $ 120,000 |
| Jackson, Illinois | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Kane, Illinois | 1 | $ 170,000 | $ 170,000 | $ 113,000 |
| Kendall, Illinois | 1 | $ 170,000 | $ 170,000 | $ 82,000 |
| Macon, Illinois | 1 | $ 176,000 | $ 176,000 | $ 63,000 |
| Morgan, Illinois | 1 | $ 106,000 | $ 106,000 | $ 188,000 |
| Pike, Illinois | 1 | $ 46,000 | $ 46,000 | $ 61,000 |
| Schuyler, Illinois | 1 | $ 42,000 | $ 42,000 | $ 56,000 |
| Whiteside, Illinois | 1 | $ 24,000 | $ 24,000 | $ 20,000 |
| Winnebago, Illinois | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Johnson, Indiana | 1 | $ 227,000 | $ 227,000 | $ 159,000 |
| Marion, Indiana | 1 | $ 211,000 | $ 211,000 | $ 156,000 |
| St. Joseph, Indiana | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| McCracken, Kentucky | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| East Baton Rouge, Louisiana | 1 | $ 172,000 | $ 172,000 | $ 89,000 |
| Van Buren, Michigan | 1 | $ 160,000 | $ 160,000 | $ 100,000 |
| Monroe, Missouri | 1 | $ 69,000 | $ 69,000 | $ 37,000 |
| Scotland, Missouri | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Shelby, Missouri | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| St. Louis, Missouri | 1 | $ 172,000 | $ 172,000 | $ 167,000 |
| Clark, Nevada | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Cumberland, North Carolina | 1 | $ 111,000 | $ 111,000 | $ 283,000 |
| Wake, North Carolina | 1 | $ 392,000 | $ 392,000 | $ 292,000 |
| Horry, South Carolina | 1 | $ 79,000 | $ 79,000 | $ 77,000 |
| Shelby, Tennessee | 1 | $ 252,000 | $ 252,000 | $ 121,000 |
| Smith, Texas | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Richmond City, Virginia | 1 | $ 250,000 | $ 250,000 | $ 358,000 |
| Lincoln, Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 60,000 |
| Sauk, Wisconsin | 1 | $ 277,000 | $ 277,000 | $ 197,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & 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 & 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 & 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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