Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Heartland Bank & Trust Company of Bloomington, IL reported 2,590 mortgage applications totaling $364.7 million, down 44% from 2012. The average application was for $140,817, and applicants reported an average income of $92,535. 74% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Peoria, IL (757), Bloomington-Normal, IL (701) and Chicago-Joliet-Naperville, IL (315) (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 | 2,590 |
| Total Mortgage Loan Application Amount | $364,718,000 |
| Average Mortgage Loan Application Amount | $140,817 |
| Highest Mortgage Loan Application Amount | $6,500,000 |
| Average Applicant Income | $92,535 |
| Highest Applicant Income | $1,291,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 701 | $ 105,906,000 | $ 151,078 | $ 108,000 |
| Tazewell, Illinois | 405 | $ 48,310,000 | $ 119,283 | $ 80,000 |
| Champaign, Illinois | 237 | $ 37,602,000 | $ 158,658 | $ 90,000 |
| Woodford, Illinois | 164 | $ 17,832,000 | $ 108,731 | $ 75,000 |
| Peoria, Illinois | 161 | $ 18,500,000 | $ 114,906 | $ 95,000 |
| Cook, Illinois | 94 | $ 36,616,000 | $ 389,531 | $ 153,000 |
| Bureau, Illinois | 93 | $ 7,185,000 | $ 77,258 | $ 65,000 |
| LaSalle, Illinois | 91 | $ 7,218,000 | $ 79,318 | $ 60,000 |
| Will, Illinois | 86 | $ 19,199,000 | $ 223,244 | $ 108,000 |
| McDonough, Illinois | 68 | $ 4,834,000 | $ 71,088 | $ 61,000 |
| Adams, Illinois | 63 | $ 5,981,000 | $ 94,936 | $ 71,000 |
| De Witt, Illinois | 33 | $ 2,840,000 | $ 86,060 | $ 75,000 |
| Kane, Illinois | 33 | $ 6,432,000 | $ 194,909 | $ 92,000 |
| Kendall, Illinois | 32 | $ 4,030,000 | $ 125,937 | $ 93,000 |
| DeKalb, Illinois | 28 | $ 3,201,000 | $ 114,321 | $ 70,000 |
| Ford, Illinois | 26 | $ 2,233,000 | $ 85,884 | $ 71,000 |
| Marshall, Illinois | 26 | $ 1,747,000 | $ 67,192 | $ 47,000 |
| Lewis, Missouri | 23 | $ 1,664,000 | $ 72,347 | $ 50,000 |
| DuPage, Illinois | 19 | $ 4,821,000 | $ 253,736 | $ 167,000 |
| Piatt, Illinois | 15 | $ 2,165,000 | $ 144,333 | $ 80,000 |
| Putnam, Illinois | 15 | $ 1,292,000 | $ 86,133 | $ 57,000 |
| Grundy, Illinois | 14 | $ 1,659,000 | $ 118,500 | $ 79,000 |
| Marion, Missouri | 13 | $ 1,119,000 | $ 86,076 | $ 75,000 |
| Livingston, Illinois | 10 | $ 1,154,000 | $ 115,400 | $ 111,000 |
| Clark, Missouri | 10 | $ 1,336,000 | $ 133,600 | $ 61,000 |
| McHenry, Illinois | 9 | $ 1,077,000 | $ 119,666 | $ 67,000 |
| Mason, Illinois | 8 | $ 691,000 | $ 86,375 | $ 69,000 |
| Sangamon, Illinois | 6 | $ 1,012,000 | $ 168,666 | $ 166,000 |
| Hancock, Illinois | 5 | $ 263,000 | $ 52,600 | $ 44,000 |
| Knox, Illinois | 5 | $ 766,000 | $ 153,200 | $ 163,000 |
| Vermilion, Illinois | 5 | $ 361,000 | $ 72,200 | $ 50,000 |
| Camden, Missouri | 5 | $ 1,192,000 | $ 238,400 | $ 153,000 |
| Fulton, Illinois | 4 | $ 347,000 | $ 86,750 | $ 41,000 |
| Lake, Illinois | 4 | $ 1,889,000 | $ 472,250 | $ 73,000 |
| Logan, Illinois | 4 | $ 282,000 | $ 70,500 | $ 53,000 |
| Douglas, Illinois | 3 | $ 231,000 | $ 77,000 | $ 66,000 |
| Macon, Illinois | 3 | $ 256,000 | $ 85,333 | $ 143,000 |
| Macoupin, Illinois | 3 | $ 389,000 | $ 129,666 | $ 71,000 |
| Morgan, Missouri | 3 | $ 491,000 | $ 163,666 | $ 187,000 |
| Pike, Missouri | 3 | $ 305,000 | $ 101,666 | $ 38,000 |
| Beaufort, South Carolina | 3 | $ 432,000 | $ 144,000 | $ 93,000 |
| Jefferson, Colorado | 2 | $ 520,000 | $ 260,000 | $ 110,000 |
| St. Johns, Florida | 2 | $ 811,000 | $ 405,500 | $ 145,000 |
| Boone, Illinois | 2 | $ 104,000 | $ 52,000 | $ 69,000 |
| Moultrie, Illinois | 2 | $ 142,000 | $ 71,000 | $ 61,000 |
| Ogle, Illinois | 2 | $ 286,000 | $ 143,000 | $ 88,000 |
| Warren, Illinois | 2 | $ 238,000 | $ 119,000 | $ 86,000 |
| Williamson, Illinois | 2 | $ 169,000 | $ 84,500 | $ 192,000 |
| Vigo, Indiana | 2 | $ 204,000 | $ 102,000 | $ 23,000 |
| Miller, Missouri | 2 | $ 298,000 | $ 149,000 | $ 159,000 |
| Wake, North Carolina | 2 | $ 389,000 | $ 194,500 | $ 185,000 |
| Maricopa, Arizona | 1 | $ 130,000 | $ 130,000 | $ 137,000 |
| Boulder, Colorado | 1 | $ 442,000 | $ 442,000 | $ 149,000 |
| Grand, Colorado | 1 | $ 129,000 | $ 129,000 | $ 63,000 |
| Collier, Florida | 1 | $ 186,000 | $ 186,000 | $ 203,000 |
| Hillsborough, Florida | 1 | $ 417,000 | $ 417,000 | $ 143,000 |
| Leon, Florida | 1 | $ 196,000 | $ 196,000 | $ 68,000 |
| Marion, Florida | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Pasco, Florida | 1 | $ 195,000 | $ 195,000 | $ 1,136,000 |
| Fulton, Georgia | 1 | $ 215,000 | $ 215,000 | $ 240,000 |
| Christian, Illinois | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Effingham, Illinois | 1 | $ 108,000 | $ 108,000 | $ 100,000 |
| Henry, Illinois | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Johnson, Illinois | 1 | $ 223,000 | $ 223,000 | $ 240,000 |
| Lee, Illinois | 1 | $ 160,000 | $ 160,000 | $ 59,000 |
| Pike, Illinois | 1 | $ 29,000 | $ 29,000 | $ 76,000 |
| Schuyler, Illinois | 1 | $ 62,000 | $ 62,000 | $ 45,000 |
| Shelby, Illinois | 1 | $ 192,000 | $ 192,000 | $ 93,000 |
| St. Clair, Illinois | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Stark, Illinois | 1 | $ 47,000 | $ 47,000 | $ 44,000 |
| Stephenson, Illinois | 1 | $ 83,000 | $ 83,000 | $ 110,000 |
| Winnebago, Illinois | 1 | $ 102,000 | $ 102,000 | $ 122,000 |
| Jasper, Indiana | 1 | $ 197,000 | $ 197,000 | $ 109,000 |
| Marion, Indiana | 1 | $ 128,000 | $ 128,000 | $ 12,000 |
| Scott, Iowa | 1 | $ 240,000 | $ 240,000 | $ 118,000 |
| Trigg, Kentucky | 1 | $ 654,000 | $ 654,000 | $ 732,000 |
| Baltimore City, Maryland | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Manistee, Michigan | 1 | $ 71,000 | $ 71,000 | $ 129,000 |
| Muskegon, Michigan | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Koochiching, Minnesota | 1 | $ 415,000 | $ 415,000 | $ 197,000 |
| Clay, Missouri | 1 | $ 230,000 | $ 230,000 | $ 162,000 |
| Jackson, Missouri | 1 | $ 120,000 | $ 120,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 153,000 | $ 153,000 | $ 73,000 |
| Rutherford, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Shelby, Tennessee | 1 | $ 240,000 | $ 240,000 | $ 80,000 |
| Milwaukee, Wisconsin | 1 | $ 147,000 | $ 147,000 | $ 180,000 |
| Walworth, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 742,000 |
| Waukesha, Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2013
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 | 1,489 | $222,522,000 | $149,000 | $6,500,000 | $93,000 | $991,000 |
| Home Purchase | 874 | $124,563,000 | $142,000 | $1,347,000 | $95,000 | $1,291,000 |
| Home Improvement | 227 | $17,633,000 | $77,000 | $475,000 | $80,000 | $778,000 |
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 | 2,331 | $308,182,000 | $132,000 | $1,512,000 | $96,000 | $1,291,000 |
| Not Provided | 86 | $9,799,000 | $113,000 | $417,000 | $53,000 | $348,000 |
| Not applicable | 81 | $33,413,000 | $412,000 | $6,500,000 | $0 | $0 |
| Hispanic | 45 | $5,108,000 | $113,000 | $417,000 | $71,000 | $393,000 |
| Asian | 30 | $6,088,000 | $202,000 | $417,000 | $176,000 | $598,000 |
| Black or African American | 15 | $1,767,000 | $117,000 | $268,000 | $88,000 | $216,000 |
| American Indian or Alaskan Native | 2 | $361,000 | $180,000 | $190,000 | $179,000 | $314,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,510 | $356,034,000 | $141,000 | $6,500,000 | $94,000 | $1,291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,504,000 | $102,000 | $200,000 | $45,000 | $97,000 |
| FHA-insured (Federal Housing Administration) | 36 | $4,180,000 | $116,000 | $226,000 | $56,000 | $119,000 |
| 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 | 1,910 | $277,532,000 | $145,000 | $6,500,000 | $97,000 | $1,291,000 |
| Application Denied By Financial Institution | 451 | $51,613,000 | $114,000 | $1,512,000 | $69,000 | $732,000 |
| Application Approved But Not Accepted | 117 | $16,747,000 | $143,000 | $700,000 | $115,000 | $855,000 |
| Application Withdrawn By Applicant | 105 | $16,046,000 | $152,000 | $599,000 | $91,000 | $400,000 |
| Loan Purchased By The Institution | 7 | $2,780,000 | $397,000 | $1,347,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2013 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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