Heartland Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Heartland Bank And Trust Company 2012 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 | 4,610 |
| Total Mortgage Loan Application Amount | $608,386,000 |
| Average Mortgage Loan Application Amount | $122,333 |
| Highest Mortgage Loan Application Amount | $3,443,000 |
| Average Applicant Income | $69,333 |
| Highest Applicant Income | $1,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,060 | $ 167,488,000 | $ 158,000 | $ 111,000 |
| Tazewell County Illinois | 551 | $ 70,325,000 | $ 127,000 | $ 78,000 |
| Champaign County Illinois | 458 | $ 73,897,000 | $ 161,000 | $ 106,000 |
| LaSalle County Illinois | 358 | $ 23,442,000 | $ 65,000 | $ 3,000 |
| Woodford County Illinois | 303 | $ 38,911,000 | $ 128,000 | $ 74,000 |
| Bureau County Illinois | 282 | $ 14,422,000 | $ 51,000 | $ 2,000 |
| Peoria County Illinois | 172 | $ 21,428,000 | $ 124,000 | $ 90,000 |
| Adams County Illinois | 151 | $ 16,707,000 | $ 110,000 | $ 71,000 |
| McDonough County Illinois | 140 | $ 9,914,000 | $ 70,000 | $ 54,000 |
| Will County Illinois | 137 | $ 20,384,000 | $ 148,000 | $ 59,000 |
| DeKalb County Illinois | 132 | $ 10,494,000 | $ 79,000 | $ 4,000 |
| Kendall County Illinois | 99 | $ 11,600,000 | $ 117,000 | $ 7,000 |
| Cook County Illinois | 88 | $ 36,950,000 | $ 419,000 | $ 128,000 |
| Kane County Illinois | 60 | $ 10,602,000 | $ 176,000 | $ 14,000 |
| De Witt County Illinois | 50 | $ 5,346,000 | $ 106,000 | $ 90,000 |
| Marshall County Illinois | 50 | $ 3,432,000 | $ 68,000 | $ 18,000 |
| Piatt County Illinois | 35 | $ 5,127,000 | $ 146,000 | $ 90,000 |
| Grundy County Illinois | 31 | $ 4,050,000 | $ 130,000 | $ 19,000 |
| Clark County Missouri | 31 | $ 2,622,000 | $ 84,000 | $ 51,000 |
| Marion County Missouri | 31 | $ 3,135,000 | $ 101,000 | $ 69,000 |
| DuPage County Illinois | 30 | $ 10,571,000 | $ 352,000 | $ 81,000 |
| Ford County Illinois | 28 | $ 2,722,000 | $ 97,000 | $ 77,000 |
| Lewis County Missouri | 25 | $ 2,006,000 | $ 80,000 | $ 49,000 |
| Putnam County Illinois | 23 | $ 1,470,000 | $ 63,000 | $ 2,000 |
| Fulton County Illinois | 22 | $ 2,004,000 | $ 91,000 | $ 86,000 |
| McHenry County Illinois | 22 | $ 4,401,000 | $ 200,000 | $ 2,000 |
| Winnebago County Illinois | 16 | $ 1,743,000 | $ 108,000 | $ 0 |
| Douglas County Illinois | 12 | $ 1,376,000 | $ 114,000 | $ 123,000 |
| Livingston County Illinois | 11 | $ 1,387,000 | $ 126,000 | $ 83,000 |
| Mason County Illinois | 11 | $ 1,841,000 | $ 167,000 | $ 73,000 |
| Hancock County Illinois | 10 | $ 490,000 | $ 49,000 | $ 62,000 |
| Sangamon County Illinois | 9 | $ 1,157,000 | $ 128,000 | $ 86,000 |
| Boone County Illinois | 8 | $ 940,000 | $ 117,000 | $ 0 |
| Camden County Missouri | 8 | $ 1,553,000 | $ 194,000 | $ 168,000 |
| Henry County Illinois | 7 | $ 667,000 | $ 95,000 | $ 16,000 |
| Lee County Illinois | 7 | $ 311,000 | $ 44,000 | $ 20,000 |
| Ogle County Illinois | 7 | $ 778,000 | $ 111,000 | $ 0 |
| Collier County Florida | 4 | $ 1,209,000 | $ 302,000 | $ 302,000 |
| Stark County Illinois | 4 | $ 220,000 | $ 55,000 | $ 42,000 |
| Vermilion County Illinois | 4 | $ 333,000 | $ 83,000 | $ 41,000 |
| Ralls County Missouri | 4 | $ 249,000 | $ 62,000 | $ 63,000 |
| Rock County Wisconsin | 4 | $ 401,000 | $ 100,000 | $ 0 |
| Coles County Illinois | 3 | $ 443,000 | $ 147,000 | $ 81,000 |
| Kankakee County Illinois | 3 | $ 670,000 | $ 223,000 | $ 79,000 |
| Knox County Illinois | 3 | $ 407,000 | $ 135,000 | $ 42,000 |
| Logan County Illinois | 3 | $ 427,000 | $ 142,000 | $ 120,000 |
| Macon County Illinois | 3 | $ 404,000 | $ 134,000 | $ 133,000 |
| Moultrie County Illinois | 3 | $ 385,000 | $ 128,000 | $ 73,000 |
| Schuyler County Illinois | 3 | $ 246,000 | $ 82,000 | $ 63,000 |
| Warren County Illinois | 3 | $ 428,000 | $ 142,000 | $ 142,000 |
| Lee County Iowa | 3 | $ 139,000 | $ 46,000 | $ 27,000 |
| Morgan County Missouri | 3 | $ 572,000 | $ 190,000 | $ 134,000 |
| Maricopa County Arizona | 2 | $ 303,000 | $ 151,000 | $ 0 |
| Lee County Florida | 2 | $ 313,000 | $ 156,000 | $ 31,000 |
| Okaloosa County Florida | 2 | $ 289,000 | $ 144,000 | $ 0 |
| Pasco County Florida | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Walton County Florida | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Brown County Illinois | 2 | $ 116,000 | $ 58,000 | $ 42,000 |
| Carroll County Illinois | 2 | $ 291,000 | $ 145,000 | $ 52,000 |
| Cumberland County Illinois | 2 | $ 322,000 | $ 161,000 | $ 127,000 |
| Menard County Illinois | 2 | $ 313,000 | $ 156,000 | $ 119,000 |
| LaPorte County Indiana | 2 | $ 447,000 | $ 223,000 | $ 252,000 |
| Monroe County Indiana | 2 | $ 510,000 | $ 255,000 | $ 149,000 |
| St. Louis County Missouri | 2 | $ 354,000 | $ 177,000 | $ 257,000 |
| Pima County Arizona | 1 | $ 133,000 | $ 133,000 | $ 159,000 |
| Baxter County Arkansas | 1 | $ 147,000 | $ 147,000 | $ 53,000 |
| Summit County Colorado | 1 | $ 417,000 | $ 417,000 | $ 114,000 |
| Hillsborough County Florida | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Manatee County Florida | 1 | $ 32,000 | $ 32,000 | $ 135,000 |
| Pinellas County Florida | 1 | $ 56,000 | $ 56,000 | $ 0 |
| St. Johns County Florida | 1 | $ 177,000 | $ 177,000 | $ 149,000 |
| Sumter County Florida | 1 | $ 250,000 | $ 250,000 | $ 174,000 |
| Cobb County Georgia | 1 | $ 167,000 | $ 167,000 | $ 137,000 |
| Clinton County Illinois | 1 | $ 220,000 | $ 220,000 | $ 114,000 |
| Franklin County Illinois | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Iroquois County Illinois | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Jo Daviess County Illinois | 1 | $ 46,000 | $ 46,000 | $ 14,000 |
| Johnson County Illinois | 1 | $ 142,000 | $ 142,000 | $ 145,000 |
| Montgomery County Illinois | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Morgan County Illinois | 1 | $ 85,000 | $ 85,000 | $ 219,000 |
| Scott County Illinois | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Shelby County Illinois | 1 | $ 110,000 | $ 110,000 | $ 145,000 |
| St. Clair County Illinois | 1 | $ 31,000 | $ 31,000 | $ 56,000 |
| Union County Illinois | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Allen County Indiana | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 94,000 | $ 94,000 | $ 57,000 |
| Hendricks County Indiana | 1 | $ 193,000 | $ 193,000 | $ 143,000 |
| Howard County Indiana | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Lake County Indiana | 1 | $ 322,000 | $ 322,000 | $ 0 |
| White County Indiana | 1 | $ 84,000 | $ 84,000 | $ 80,000 |
| Louisa County Iowa | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Polk County Iowa | 1 | $ 376,000 | $ 376,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 280,000 | $ 280,000 | $ 110,000 |
| Oceana County Michigan | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
| Van Buren County Michigan | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 249,000 | $ 249,000 | $ 204,000 |
| Benton County Missouri | 1 | $ 288,000 | $ 288,000 | $ 76,000 |
| Clay County Missouri | 1 | $ 230,000 | $ 230,000 | $ 162,000 |
| Macon County Missouri | 1 | $ 10,000 | $ 10,000 | $ 98,000 |
| Miller County Missouri | 1 | $ 151,000 | $ 151,000 | $ 129,000 |
| Pike County Missouri | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Platte County Missouri | 1 | $ 286,000 | $ 286,000 | $ 118,000 |
| Rockingham County New Hampshire | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Colfax County New Mexico | 1 | $ 316,000 | $ 316,000 | $ 148,000 |
| Montgomery County Ohio | 1 | $ 134,000 | $ 134,000 | $ 83,000 |
| Rogers County Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 177,000 |
| Centre County Pennsylvania | 1 | $ 394,000 | $ 394,000 | $ 259,000 |
| Knox County Tennessee | 1 | $ 264,000 | $ 264,000 | $ 165,000 |
| Maury County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Shelby County Tennessee | 1 | $ 241,000 | $ 241,000 | $ 71,000 |
| El Paso County Texas | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Nueces County Texas | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Travis County Texas | 1 | $ 156,000 | $ 156,000 | $ 137,000 |
| Jefferson County Washington | 1 | $ 417,000 | $ 417,000 | $ 252,000 |
| Burnett County Wisconsin | 1 | $ 146,000 | $ 146,000 | $ 134,000 |
| Calumet County Wisconsin | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Door County Wisconsin | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Jefferson County Wisconsin | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 268,000 | $ 268,000 | $ 118,000 |
| Oneida County Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 130,000 |
| Racine County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Vilas County Wisconsin | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Washburn County Wisconsin | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Waushara County Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 67,000 |
| Winnebago County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Heartland Bank And 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 And 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 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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