Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Heartland Bank & Trust Company of Bloomington, IL reported 2,581 mortgage applications totaling $370.9 million, down 37% from 2010. The average application was for $143,705, and applicants reported an average income of $86,066. 72% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Bloomington-Normal, IL (794), Peoria, IL (759) and Champaign-Urbana, IL (317) (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 | 2,581 |
| Total Mortgage Loan Application Amount | $370,903,000 |
| Average Mortgage Loan Application Amount | $143,705 |
| Highest Mortgage Loan Application Amount | $3,755,000 |
| Average Applicant Income | $86,066 |
| Highest Applicant Income | $829,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 794 | $ 121,203,000 | $ 152,648 | $ 109,000 |
| Tazewell, Illinois | 447 | $ 54,658,000 | $ 122,277 | $ 74,000 |
| Champaign, Illinois | 283 | $ 43,007,000 | $ 151,968 | $ 100,000 |
| Woodford, Illinois | 183 | $ 23,168,000 | $ 126,601 | $ 77,000 |
| Adams, Illinois | 140 | $ 15,710,000 | $ 112,214 | $ 76,000 |
| McDonough, Illinois | 132 | $ 12,139,000 | $ 91,962 | $ 61,000 |
| Peoria, Illinois | 124 | $ 14,577,000 | $ 117,556 | $ 97,000 |
| Cook, Illinois | 115 | $ 34,015,000 | $ 295,782 | $ 34,000 |
| Will, Illinois | 51 | $ 6,225,000 | $ 122,058 | $ 18,000 |
| Lewis, Missouri | 34 | $ 2,259,000 | $ 66,441 | $ 45,000 |
| Clark, Missouri | 30 | $ 2,265,000 | $ 75,500 | $ 51,000 |
| Marion, Missouri | 30 | $ 2,249,000 | $ 74,966 | $ 53,000 |
| Ford, Illinois | 21 | $ 1,596,000 | $ 76,000 | $ 63,000 |
| DuPage, Illinois | 17 | $ 9,511,000 | $ 559,470 | $ 57,000 |
| Fulton, Illinois | 15 | $ 1,235,000 | $ 82,333 | $ 71,000 |
| Piatt, Illinois | 13 | $ 1,609,000 | $ 123,769 | $ 77,000 |
| Hancock, Illinois | 12 | $ 823,000 | $ 68,583 | $ 53,000 |
| Livingston, Illinois | 11 | $ 1,538,000 | $ 139,818 | $ 157,000 |
| Kane, Illinois | 7 | $ 926,000 | $ 132,285 | $ 37,000 |
| Mason, Illinois | 7 | $ 772,000 | $ 110,285 | $ 88,000 |
| McHenry, Illinois | 7 | $ 1,240,000 | $ 177,142 | $ 38,000 |
| Lake, Illinois | 6 | $ 1,519,000 | $ 253,166 | $ 15,000 |
| Warren, Illinois | 6 | $ 575,000 | $ 95,833 | $ 72,000 |
| Douglas, Illinois | 5 | $ 846,000 | $ 169,200 | $ 80,000 |
| LaSalle, Illinois | 5 | $ 622,000 | $ 124,400 | $ 20,000 |
| Camden, Missouri | 5 | $ 1,563,000 | $ 312,600 | $ 266,000 |
| Maricopa, Arizona | 4 | $ 1,192,000 | $ 298,000 | $ 282,000 |
| De Witt, Illinois | 4 | $ 552,000 | $ 138,000 | $ 85,000 |
| Knox, Illinois | 4 | $ 301,000 | $ 75,250 | $ 84,000 |
| Marshall, Illinois | 4 | $ 325,000 | $ 81,250 | $ 48,000 |
| Coles, Illinois | 3 | $ 1,071,000 | $ 357,000 | $ 64,000 |
| Sangamon, Illinois | 3 | $ 214,000 | $ 71,333 | $ 55,000 |
| Pinal, Arizona | 2 | $ 178,000 | $ 89,000 | $ 191,000 |
| Broward, Florida | 2 | $ 464,000 | $ 232,000 | $ 206,000 |
| Cumberland, Illinois | 2 | $ 350,000 | $ 175,000 | $ 148,000 |
| Grundy, Illinois | 2 | $ 1,044,000 | $ 522,000 | $ 0 |
| Iroquois, Illinois | 2 | $ 309,000 | $ 154,500 | $ 82,000 |
| Kankakee, Illinois | 2 | $ 378,000 | $ 189,000 | $ 12,000 |
| Kendall, Illinois | 2 | $ 622,000 | $ 311,000 | $ 51,000 |
| Logan, Illinois | 2 | $ 178,000 | $ 89,000 | $ 67,000 |
| Macon, Illinois | 2 | $ 339,000 | $ 169,500 | $ 125,000 |
| Vermilion, Illinois | 2 | $ 134,000 | $ 67,000 | $ 79,000 |
| Scotland, Missouri | 2 | $ 99,000 | $ 49,500 | $ 30,000 |
| Rock, Wisconsin | 2 | $ 214,000 | $ 107,000 | $ 6,000 |
| Walworth, Wisconsin | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Pima, Arizona | 1 | $ 132,000 | $ 132,000 | $ 148,000 |
| Baxter, Arkansas | 1 | $ 202,000 | $ 202,000 | $ 96,000 |
| Boulder, Colorado | 1 | $ 19,000 | $ 19,000 | $ 49,000 |
| Jefferson, Colorado | 1 | $ 417,000 | $ 417,000 | $ 324,000 |
| Collier, Florida | 1 | $ 207,000 | $ 207,000 | $ 150,000 |
| Brown, Illinois | 1 | $ 33,000 | $ 33,000 | $ 37,000 |
| DeKalb, Illinois | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Effingham, Illinois | 1 | $ 305,000 | $ 305,000 | $ 175,000 |
| Henry, Illinois | 1 | $ 34,000 | $ 34,000 | $ 26,000 |
| Jefferson, Illinois | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Jersey, Illinois | 1 | $ 64,000 | $ 64,000 | $ 121,000 |
| Johnson, Illinois | 1 | $ 153,000 | $ 153,000 | $ 186,000 |
| Macoupin, Illinois | 1 | $ 90,000 | $ 90,000 | $ 81,000 |
| Stark, Illinois | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Williamson, Illinois | 1 | $ 63,000 | $ 63,000 | $ 22,000 |
| DeKalb, Indiana | 1 | $ 64,000 | $ 64,000 | $ 253,000 |
| Starke, Indiana | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Calloway, Kentucky | 1 | $ 1,000,000 | $ 1,000,000 | $ 562,000 |
| Emmet, Michigan | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Van Buren, Michigan | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Knox, Missouri | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Platte, Missouri | 1 | $ 290,000 | $ 290,000 | $ 118,000 |
| St. Louis, Missouri | 1 | $ 125,000 | $ 125,000 | $ 194,000 |
| Clark, Nevada | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Wake, North Carolina | 1 | $ 341,000 | $ 341,000 | $ 112,000 |
| Lucas, Ohio | 1 | $ 173,000 | $ 173,000 | $ 85,000 |
| Rogers, Oklahoma | 1 | $ 414,000 | $ 414,000 | $ 125,000 |
| Charleston, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 804,000 |
| Milwaukee, Wisconsin | 1 | $ 261,000 | $ 261,000 | $ 96,000 |
| Oneida, Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 800,000 |
| Racine, Wisconsin | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Sawyer, Wisconsin | 1 | $ 377,000 | $ 377,000 | $ 166,000 |
| Vilas, Wisconsin | 1 | $ 163,000 | $ 163,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2011
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 | 1,716 | $262,367,000 | $152,000 | $3,755,000 | $87,000 | $792,000 |
| Home Purchase | 679 | $92,800,000 | $136,000 | $1,204,000 | $84,000 | $829,000 |
| Home Improvement | 186 | $15,736,000 | $84,000 | $1,000,000 | $85,000 | $562,000 |
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 | 2,265 | $299,528,000 | $132,000 | $2,100,000 | $93,000 | $829,000 |
| Not applicable | 218 | $56,744,000 | $260,000 | $3,755,000 | $0 | $0 |
| Not Provided | 31 | $5,692,000 | $183,000 | $2,100,000 | $109,000 | $556,000 |
| Black or African American | 24 | $2,735,000 | $113,000 | $352,000 | $131,000 | $650,000 |
| Asian | 23 | $3,802,000 | $165,000 | $429,000 | $94,000 | $266,000 |
| Hispanic | 19 | $2,328,000 | $122,000 | $388,000 | $92,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $74,000 | $74,000 | $74,000 | $94,000 | $94,000 |
| 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) | 2,540 | $366,926,000 | $144,000 | $3,755,000 | $87,000 | $829,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,164,000 | $98,000 | $155,000 | $39,000 | $72,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,813,000 | $95,000 | $150,000 | $38,000 | $81,000 |
| 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 | 1,858 | $258,858,000 | $139,000 | $3,755,000 | $96,000 | $829,000 |
| Application Denied By Financial Institution | 325 | $38,015,000 | $116,000 | $2,100,000 | $68,000 | $556,000 |
| Loan Purchased By The Institution | 180 | $45,308,000 | $251,000 | $2,177,000 | $0 | $0 |
| Application Withdrawn By Applicant | 110 | $13,907,000 | $126,000 | $417,000 | $85,000 | $384,000 |
| Application Approved But Not Accepted | 108 | $14,815,000 | $137,000 | $417,000 | $114,000 | $571,000 |
| File Closed For Incompleteness | 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 | 146 | $13,601,000 | $93,000 | $350,000 | $58,000 | $308,000 |
| Collateral | 97 | $12,795,000 | $131,000 | $355,000 | $88,000 | $556,000 |
| Debt-To-Income Ratio | 75 | $10,811,000 | $144,000 | $2,100,000 | $59,000 | $434,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $343,000 | $114,000 | $234,000 | $43,000 | $82,000 |
| Other | 2 | $290,000 | $145,000 | $205,000 | $168,000 | $247,000 |
| Employment History | 2 | $175,000 | $87,000 | $150,000 | $42,000 | $66,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2011 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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