Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Heartland Bank & Trust Company of Bloomington, IL reported 4,610 mortgage applications totaling $608.4 million, up 79% from 2011. The average application was for $131,970, and applicants reported an average income of $71,167. 58% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Peoria, IL (1,080), Bloomington-Normal, IL (1,060) and Chicago-Joliet-Naperville, IL (599) (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 | 4,610 |
| Total Mortgage Loan Application Amount | $608,386,000 |
| Average Mortgage Loan Application Amount | $131,970 |
| Highest Mortgage Loan Application Amount | $3,443,000 |
| Average Applicant Income | $71,167 |
| Highest Applicant Income | $1,400,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,060 | $ 167,488,000 | $ 158,007 | $ 111,000 |
| Tazewell, Illinois | 551 | $ 70,325,000 | $ 127,631 | $ 78,000 |
| Champaign, Illinois | 458 | $ 73,897,000 | $ 161,347 | $ 106,000 |
| LaSalle, Illinois | 358 | $ 23,442,000 | $ 65,480 | $ 3,000 |
| Woodford, Illinois | 303 | $ 38,911,000 | $ 128,419 | $ 74,000 |
| Bureau, Illinois | 282 | $ 14,422,000 | $ 51,141 | $ 2,000 |
| Peoria, Illinois | 172 | $ 21,428,000 | $ 124,581 | $ 90,000 |
| Adams, Illinois | 151 | $ 16,707,000 | $ 110,642 | $ 71,000 |
| McDonough, Illinois | 140 | $ 9,914,000 | $ 70,814 | $ 54,000 |
| Will, Illinois | 137 | $ 20,384,000 | $ 148,788 | $ 59,000 |
| DeKalb, Illinois | 132 | $ 10,494,000 | $ 79,500 | $ 4,000 |
| Kendall, Illinois | 99 | $ 11,600,000 | $ 117,171 | $ 7,000 |
| Cook, Illinois | 88 | $ 36,950,000 | $ 419,886 | $ 128,000 |
| Kane, Illinois | 60 | $ 10,602,000 | $ 176,700 | $ 14,000 |
| De Witt, Illinois | 50 | $ 5,346,000 | $ 106,920 | $ 90,000 |
| Marshall, Illinois | 50 | $ 3,432,000 | $ 68,640 | $ 18,000 |
| Piatt, Illinois | 35 | $ 5,127,000 | $ 146,485 | $ 90,000 |
| Grundy, Illinois | 31 | $ 4,050,000 | $ 130,645 | $ 19,000 |
| Clark, Missouri | 31 | $ 2,622,000 | $ 84,580 | $ 51,000 |
| Marion, Missouri | 31 | $ 3,135,000 | $ 101,129 | $ 69,000 |
| DuPage, Illinois | 30 | $ 10,571,000 | $ 352,366 | $ 81,000 |
| Ford, Illinois | 28 | $ 2,722,000 | $ 97,214 | $ 77,000 |
| Lewis, Missouri | 25 | $ 2,006,000 | $ 80,240 | $ 49,000 |
| Putnam, Illinois | 23 | $ 1,470,000 | $ 63,913 | $ 2,000 |
| Fulton, Illinois | 22 | $ 2,004,000 | $ 91,090 | $ 86,000 |
| McHenry, Illinois | 22 | $ 4,401,000 | $ 200,045 | $ 2,000 |
| Winnebago, Illinois | 16 | $ 1,743,000 | $ 108,937 | $ 0 |
| Douglas, Illinois | 12 | $ 1,376,000 | $ 114,666 | $ 123,000 |
| Livingston, Illinois | 11 | $ 1,387,000 | $ 126,090 | $ 83,000 |
| Mason, Illinois | 11 | $ 1,841,000 | $ 167,363 | $ 73,000 |
| Hancock, Illinois | 10 | $ 490,000 | $ 49,000 | $ 62,000 |
| Sangamon, Illinois | 9 | $ 1,157,000 | $ 128,555 | $ 86,000 |
| Boone, Illinois | 8 | $ 940,000 | $ 117,500 | $ 0 |
| Camden, Missouri | 8 | $ 1,553,000 | $ 194,125 | $ 168,000 |
| Henry, Illinois | 7 | $ 667,000 | $ 95,285 | $ 16,000 |
| Lee, Illinois | 7 | $ 311,000 | $ 44,428 | $ 20,000 |
| Ogle, Illinois | 7 | $ 778,000 | $ 111,142 | $ 0 |
| Collier, Florida | 4 | $ 1,209,000 | $ 302,250 | $ 302,000 |
| Stark, Illinois | 4 | $ 220,000 | $ 55,000 | $ 42,000 |
| Vermilion, Illinois | 4 | $ 333,000 | $ 83,250 | $ 41,000 |
| Ralls, Missouri | 4 | $ 249,000 | $ 62,250 | $ 63,000 |
| Rock, Wisconsin | 4 | $ 401,000 | $ 100,250 | $ 0 |
| Coles, Illinois | 3 | $ 443,000 | $ 147,666 | $ 81,000 |
| Kankakee, Illinois | 3 | $ 670,000 | $ 223,333 | $ 79,000 |
| Knox, Illinois | 3 | $ 407,000 | $ 135,666 | $ 42,000 |
| Logan, Illinois | 3 | $ 427,000 | $ 142,333 | $ 120,000 |
| Macon, Illinois | 3 | $ 404,000 | $ 134,666 | $ 133,000 |
| Moultrie, Illinois | 3 | $ 385,000 | $ 128,333 | $ 73,000 |
| Schuyler, Illinois | 3 | $ 246,000 | $ 82,000 | $ 63,000 |
| Warren, Illinois | 3 | $ 428,000 | $ 142,666 | $ 142,000 |
| Lee, Iowa | 3 | $ 139,000 | $ 46,333 | $ 27,000 |
| Morgan, Missouri | 3 | $ 572,000 | $ 190,666 | $ 134,000 |
| Maricopa, Arizona | 2 | $ 303,000 | $ 151,500 | $ 0 |
| Lee, Florida | 2 | $ 313,000 | $ 156,500 | $ 31,000 |
| Okaloosa, Florida | 2 | $ 289,000 | $ 144,500 | $ 0 |
| Pasco, Florida | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Walton, Florida | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Brown, Illinois | 2 | $ 116,000 | $ 58,000 | $ 42,000 |
| Carroll, Illinois | 2 | $ 291,000 | $ 145,500 | $ 52,000 |
| Cumberland, Illinois | 2 | $ 322,000 | $ 161,000 | $ 127,000 |
| Menard, Illinois | 2 | $ 313,000 | $ 156,500 | $ 119,000 |
| LaPorte, Indiana | 2 | $ 447,000 | $ 223,500 | $ 252,000 |
| Monroe, Indiana | 2 | $ 510,000 | $ 255,000 | $ 149,000 |
| St. Louis, Missouri | 2 | $ 354,000 | $ 177,000 | $ 257,000 |
| Pima, Arizona | 1 | $ 133,000 | $ 133,000 | $ 159,000 |
| Baxter, Arkansas | 1 | $ 147,000 | $ 147,000 | $ 53,000 |
| Summit, Colorado | 1 | $ 417,000 | $ 417,000 | $ 114,000 |
| Hillsborough, Florida | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Manatee, Florida | 1 | $ 32,000 | $ 32,000 | $ 135,000 |
| Pinellas, Florida | 1 | $ 56,000 | $ 56,000 | $ 0 |
| St. Johns, Florida | 1 | $ 177,000 | $ 177,000 | $ 149,000 |
| Sumter, Florida | 1 | $ 250,000 | $ 250,000 | $ 174,000 |
| Cobb, Georgia | 1 | $ 167,000 | $ 167,000 | $ 137,000 |
| Clinton, Illinois | 1 | $ 220,000 | $ 220,000 | $ 114,000 |
| Franklin, Illinois | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Iroquois, Illinois | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Jo Daviess, Illinois | 1 | $ 46,000 | $ 46,000 | $ 14,000 |
| Johnson, Illinois | 1 | $ 142,000 | $ 142,000 | $ 145,000 |
| Montgomery, Illinois | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Morgan, Illinois | 1 | $ 85,000 | $ 85,000 | $ 219,000 |
| Scott, Illinois | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Shelby, Illinois | 1 | $ 110,000 | $ 110,000 | $ 145,000 |
| St. Clair, Illinois | 1 | $ 31,000 | $ 31,000 | $ 56,000 |
| Union, Illinois | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Allen, Indiana | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 94,000 | $ 94,000 | $ 57,000 |
| Hendricks, Indiana | 1 | $ 193,000 | $ 193,000 | $ 143,000 |
| Howard, Indiana | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Lake, Indiana | 1 | $ 322,000 | $ 322,000 | $ 0 |
| White, Indiana | 1 | $ 84,000 | $ 84,000 | $ 80,000 |
| Louisa, Iowa | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Polk, Iowa | 1 | $ 376,000 | $ 376,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 280,000 | $ 280,000 | $ 110,000 |
| Oceana, Michigan | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
| Van Buren, Michigan | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 249,000 | $ 249,000 | $ 204,000 |
| Benton, Missouri | 1 | $ 288,000 | $ 288,000 | $ 76,000 |
| Clay, Missouri | 1 | $ 230,000 | $ 230,000 | $ 162,000 |
| Macon, Missouri | 1 | $ 10,000 | $ 10,000 | $ 98,000 |
| Miller, Missouri | 1 | $ 151,000 | $ 151,000 | $ 129,000 |
| Pike, Missouri | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Platte, Missouri | 1 | $ 286,000 | $ 286,000 | $ 118,000 |
| Rockingham, New Hampshire | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Colfax, New Mexico | 1 | $ 316,000 | $ 316,000 | $ 148,000 |
| Montgomery, Ohio | 1 | $ 134,000 | $ 134,000 | $ 83,000 |
| Rogers, Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 177,000 |
| Centre, Pennsylvania | 1 | $ 394,000 | $ 394,000 | $ 259,000 |
| Knox, Tennessee | 1 | $ 264,000 | $ 264,000 | $ 165,000 |
| Maury, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Shelby, Tennessee | 1 | $ 241,000 | $ 241,000 | $ 71,000 |
| El Paso, Texas | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Nueces, Texas | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Travis, Texas | 1 | $ 156,000 | $ 156,000 | $ 137,000 |
| Jefferson, Washington | 1 | $ 417,000 | $ 417,000 | $ 252,000 |
| Burnett, Wisconsin | 1 | $ 146,000 | $ 146,000 | $ 134,000 |
| Calumet, Wisconsin | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Door, Wisconsin | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Jefferson, Wisconsin | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 268,000 | $ 268,000 | $ 118,000 |
| Oneida, Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 130,000 |
| Racine, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Vilas, Wisconsin | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Washburn, Wisconsin | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Waushara, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 67,000 |
| Winnebago, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2012
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 | 2,484 | $382,396,000 | $153,000 | $2,100,000 | $99,000 | $1,127,000 |
| Home Purchase | 1,885 | $199,880,000 | $106,000 | $3,443,000 | $34,000 | $1,400,000 |
| Home Improvement | 241 | $26,110,000 | $108,000 | $2,361,000 | $75,000 | $208,000 |
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 | 3,188 | $451,578,000 | $141,000 | $1,910,000 | $96,000 | $1,400,000 |
| Not applicable | 1,244 | $129,001,000 | $103,000 | $3,443,000 | $0 | $0 |
| Not Provided | 73 | $9,388,000 | $128,000 | $416,000 | $93,000 | $900,000 |
| Asian | 45 | $10,211,000 | $226,000 | $1,793,000 | $174,000 | $1,127,000 |
| Hispanic | 32 | $4,246,000 | $132,000 | $408,000 | $77,000 | $198,000 |
| Black or African American | 24 | $3,518,000 | $146,000 | $305,000 | $116,000 | $448,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $292,000 | $97,000 | $171,000 | $79,000 | $103,000 |
| American Indian or Alaskan Native | 1 | $152,000 | $152,000 | $152,000 | $125,000 | $125,000 |
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) | 4,539 | $600,708,000 | $132,000 | $3,443,000 | $71,000 | $1,400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,717,000 | $107,000 | $190,000 | $43,000 | $86,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,961,000 | $109,000 | $203,000 | $51,000 | $171,000 |
| 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 | 2,651 | $398,320,000 | $150,000 | $2,361,000 | $97,000 | $1,400,000 |
| Loan Purchased By The Institution | 1,158 | $104,173,000 | $89,000 | $3,443,000 | $0 | $0 |
| Application Denied By Financial Institution | 487 | $65,361,000 | $134,000 | $1,910,000 | $76,000 | $411,000 |
| Application Approved But Not Accepted | 168 | $23,279,000 | $138,000 | $735,000 | $117,000 | $697,000 |
| Application Withdrawn By Applicant | 145 | $17,174,000 | $118,000 | $416,000 | $85,000 | $608,000 |
| File Closed For Incompleteness | 1 | $79,000 | $79,000 | $79,000 | $54,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 168 | $25,807,000 | $153,000 | $694,000 | $100,000 | $400,000 |
| Credit History | 163 | $15,327,000 | $94,000 | $398,000 | $59,000 | $289,000 |
| Debt-To-Income Ratio | 144 | $22,829,000 | $158,000 | $1,910,000 | $69,000 | $411,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $879,000 | $109,000 | $155,000 | $56,000 | $177,000 |
| Other | 2 | $122,000 | $61,000 | $77,000 | $47,000 | $60,000 |
| Credit Application Incomplete | 2 | $397,000 | $198,000 | $274,000 | $109,000 | $180,000 |
| Employment History | 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 2012 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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