Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Heartland Bank & Trust Company of Bloomington, IL reported 4,099 mortgage applications totaling $562.8 million, down 1% from 2009. The average application was for $137,301, and applicants reported an average income of $83,033. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bloomington-Normal, IL (1,619), Peoria, IL (1,140) and Champaign-Urbana, IL (597) (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 | 4,099 |
| Total Mortgage Loan Application Amount | $562,800,000 |
| Average Mortgage Loan Application Amount | $137,301 |
| Highest Mortgage Loan Application Amount | $16,100,000 |
| Average Applicant Income | $83,033 |
| Highest Applicant Income | $2,534,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,619 | $ 235,517,000 | $ 145,470 | $ 84,000 |
| Tazewell, Illinois | 638 | $ 75,692,000 | $ 118,639 | $ 78,000 |
| Champaign, Illinois | 530 | $ 101,479,000 | $ 191,469 | $ 108,000 |
| Woodford, Illinois | 299 | $ 37,135,000 | $ 124,197 | $ 76,000 |
| McDonough, Illinois | 205 | $ 16,538,000 | $ 80,673 | $ 61,000 |
| Peoria, Illinois | 191 | $ 25,923,000 | $ 135,722 | $ 88,000 |
| Adams, Illinois | 183 | $ 20,835,000 | $ 113,852 | $ 77,000 |
| Ford, Illinois | 47 | $ 4,315,000 | $ 91,808 | $ 82,000 |
| Clark, Missouri | 47 | $ 3,805,000 | $ 80,957 | $ 49,000 |
| Marion, Missouri | 35 | $ 2,618,000 | $ 74,800 | $ 56,000 |
| Lewis, Missouri | 22 | $ 1,675,000 | $ 76,136 | $ 41,000 |
| De Witt, Illinois | 21 | $ 2,643,000 | $ 125,857 | $ 96,000 |
| Sangamon, Illinois | 21 | $ 2,608,000 | $ 124,190 | $ 15,000 |
| Fulton, Illinois | 20 | $ 1,614,000 | $ 80,700 | $ 65,000 |
| Piatt, Illinois | 20 | $ 2,642,000 | $ 132,100 | $ 97,000 |
| Coles, Illinois | 18 | $ 1,133,000 | $ 62,944 | $ 0 |
| Cook, Illinois | 17 | $ 4,500,000 | $ 264,705 | $ 155,000 |
| Mason, Illinois | 13 | $ 1,147,000 | $ 88,230 | $ 66,000 |
| Hancock, Illinois | 12 | $ 1,046,000 | $ 87,166 | $ 53,000 |
| Livingston, Illinois | 11 | $ 1,006,000 | $ 91,454 | $ 47,000 |
| Marshall, Illinois | 11 | $ 1,376,000 | $ 125,090 | $ 67,000 |
| Douglas, Illinois | 10 | $ 1,421,000 | $ 142,100 | $ 60,000 |
| Warren, Illinois | 10 | $ 965,000 | $ 96,500 | $ 74,000 |
| Knox, Illinois | 6 | $ 569,000 | $ 94,833 | $ 86,000 |
| Logan, Illinois | 5 | $ 276,000 | $ 55,200 | $ 25,000 |
| Lee, Iowa | 5 | $ 236,000 | $ 47,200 | $ 35,000 |
| Camden, Missouri | 5 | $ 985,000 | $ 197,000 | $ 88,000 |
| Cumberland, Illinois | 4 | $ 402,000 | $ 100,500 | $ 113,000 |
| DeKalb, Illinois | 3 | $ 799,000 | $ 266,333 | $ 43,000 |
| Schuyler, Illinois | 3 | $ 193,000 | $ 64,333 | $ 45,000 |
| Vermilion, Illinois | 3 | $ 366,000 | $ 122,000 | $ 135,000 |
| Ralls, Missouri | 3 | $ 374,000 | $ 124,666 | $ 73,000 |
| St. Louis City, Missouri | 3 | $ 381,000 | $ 127,000 | $ 56,000 |
| Baldwin, Alabama | 2 | $ 472,000 | $ 236,000 | $ 1,390,000 |
| Boulder, Colorado | 2 | $ 50,000 | $ 25,000 | $ 49,000 |
| DuPage, Illinois | 2 | $ 181,000 | $ 90,500 | $ 135,000 |
| Henderson, Illinois | 2 | $ 211,000 | $ 105,500 | $ 23,000 |
| Henry, Illinois | 2 | $ 101,000 | $ 50,500 | $ 0 |
| Iroquois, Illinois | 2 | $ 312,000 | $ 156,000 | $ 74,000 |
| Kankakee, Illinois | 2 | $ 96,000 | $ 48,000 | $ 89,000 |
| Macon, Illinois | 2 | $ 345,000 | $ 172,500 | $ 52,000 |
| Will, Illinois | 2 | $ 18,000 | $ 9,000 | $ 3,000 |
| St. Louis, Missouri | 2 | $ 311,000 | $ 155,500 | $ 117,000 |
| Pinal, Arizona | 1 | $ 139,000 | $ 139,000 | $ 96,000 |
| Baxter, Arkansas | 1 | $ 236,000 | $ 236,000 | $ 116,000 |
| Eagle, Colorado | 1 | $ 2,250,000 | $ 2,250,000 | $ 0 |
| Charlotte, Florida | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Manatee, Florida | 1 | $ 174,000 | $ 174,000 | $ 134,000 |
| Okaloosa, Florida | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Pinellas, Florida | 1 | $ 417,000 | $ 417,000 | $ 155,000 |
| Sarasota, Florida | 1 | $ 417,000 | $ 417,000 | $ 288,000 |
| Cass, Illinois | 1 | $ 79,000 | $ 79,000 | $ 100,000 |
| Grundy, Illinois | 1 | $ 37,000 | $ 37,000 | $ 108,000 |
| Johnson, Illinois | 1 | $ 254,000 | $ 254,000 | $ 303,000 |
| Lake, Illinois | 1 | $ 139,000 | $ 139,000 | $ 60,000 |
| Lee, Illinois | 1 | $ 60,000 | $ 60,000 | $ 281,000 |
| Macoupin, Illinois | 1 | $ 201,000 | $ 201,000 | $ 377,000 |
| McHenry, Illinois | 1 | $ 202,000 | $ 202,000 | $ 82,000 |
| Menard, Illinois | 1 | $ 175,000 | $ 175,000 | $ 118,000 |
| Morgan, Illinois | 1 | $ 63,000 | $ 63,000 | $ 38,000 |
| Moultrie, Illinois | 1 | $ 94,000 | $ 94,000 | $ 36,000 |
| Rock Island, Illinois | 1 | $ 42,000 | $ 42,000 | $ 32,000 |
| Stark, Illinois | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Hamilton, Indiana | 1 | $ 282,000 | $ 282,000 | $ 170,000 |
| Lake, Indiana | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Tippecanoe, Indiana | 1 | $ 104,000 | $ 104,000 | $ 175,000 |
| Polk, Iowa | 1 | $ 87,000 | $ 87,000 | $ 85,000 |
| Van Buren, Iowa | 1 | $ 119,000 | $ 119,000 | $ 35,000 |
| Prince George's, Maryland | 1 | $ 337,000 | $ 337,000 | $ 175,000 |
| Adair, Missouri | 1 | $ 46,000 | $ 46,000 | $ 70,000 |
| Jackson, Missouri | 1 | $ 107,000 | $ 107,000 | $ 130,000 |
| Monroe, Missouri | 1 | $ 72,000 | $ 72,000 | $ 127,000 |
| Pike, Missouri | 1 | $ 92,000 | $ 92,000 | $ 65,000 |
| Platte, Missouri | 1 | $ 280,000 | $ 280,000 | $ 102,000 |
| Schuyler, Missouri | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Scotland, Missouri | 1 | $ 62,000 | $ 62,000 | $ 30,000 |
| Mayes, Oklahoma | 1 | $ 310,000 | $ 310,000 | $ 126,000 |
| Oconee, South Carolina | 1 | $ 80,000 | $ 80,000 | $ 165,000 |
| Richmond City, Virginia | 1 | $ 240,000 | $ 240,000 | $ 358,000 |
| King, Washington | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Sauk, Wisconsin | 1 | $ 256,000 | $ 256,000 | $ 197,000 |
| Vilas, Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2010
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 | 2,934 | $429,590,000 | $146,000 | $16,100,000 | $91,000 | $2,534,000 |
| Home Purchase | 939 | $114,201,000 | $121,000 | $3,200,000 | $62,000 | $926,000 |
| Home Improvement | 226 | $19,009,000 | $84,000 | $1,511,000 | $67,000 | $309,000 |
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 | 3,450 | $463,093,000 | $134,000 | $1,200,000 | $94,000 | $2,534,000 |
| Not applicable | 488 | $75,167,000 | $154,000 | $16,100,000 | $0 | $275,000 |
| Asian | 54 | $9,184,000 | $170,000 | $417,000 | $99,000 | $414,000 |
| Not Provided | 47 | $6,667,000 | $141,000 | $440,000 | $102,000 | $350,000 |
| Black or African American | 33 | $5,012,000 | $151,000 | $417,000 | $152,000 | $926,000 |
| Hispanic | 20 | $2,906,000 | $145,000 | $274,000 | $89,000 | $249,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $408,000 | $81,000 | $157,000 | $51,000 | $92,000 |
| American Indian or Alaskan Native | 2 | $363,000 | $181,000 | $195,000 | $86,000 | $87,000 |
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) | 4,026 | $553,910,000 | $137,000 | $16,100,000 | $84,000 | $2,534,000 |
| FHA-insured (Federal Housing Administration) | 56 | $7,350,000 | $131,000 | $249,000 | $63,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,540,000 | $90,000 | $198,000 | $42,000 | $69,000 |
| 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 | 3,061 | $443,398,000 | $144,000 | $16,100,000 | $95,000 | $1,182,000 |
| Loan Purchased By The Institution | 435 | $45,417,000 | $104,000 | $1,511,000 | $0 | $0 |
| Application Denied By Financial Institution | 287 | $30,620,000 | $106,000 | $479,000 | $74,000 | $2,534,000 |
| Application Withdrawn By Applicant | 159 | $20,785,000 | $130,000 | $390,000 | $85,000 | $389,000 |
| Application Approved But Not Accepted | 156 | $22,520,000 | $144,000 | $450,000 | $102,000 | $780,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $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 | 99 | $7,156,000 | $72,000 | $300,000 | $54,000 | $166,000 |
| Collateral | 86 | $11,380,000 | $132,000 | $417,000 | $116,000 | $2,534,000 |
| Debt-To-Income Ratio | 76 | $9,378,000 | $123,000 | $479,000 | $58,000 | $206,000 |
| Employment History | 13 | $1,237,000 | $95,000 | $240,000 | $47,000 | $92,000 |
| Other | 8 | $812,000 | $101,000 | $194,000 | $66,000 | $160,000 |
| Unverifiable Information | 4 | $487,000 | $121,000 | $180,000 | $74,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $170,000 | $170,000 | $170,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2010 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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