Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Heartland Bank & Trust Company of Bloomington, IL reported 1,545 mortgage applications totaling $222.8 million, down 40% from 2013. The average application was for $144,203, and applicants reported an average income of $102,097. 71% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Peoria, IL (495), Bloomington, IL (430) and Champaign-Urbana, IL (185) (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 | 1,545 |
| Total Mortgage Loan Application Amount | $222,794,000 |
| Average Mortgage Loan Application Amount | $144,203 |
| Highest Mortgage Loan Application Amount | $2,609,000 |
| Average Applicant Income | $102,097 |
| Highest Applicant Income | $2,949,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 403 | $ 57,940,000 | $ 143,771 | $ 116,000 |
| Tazewell, Illinois | 255 | $ 29,919,000 | $ 117,329 | $ 89,000 |
| Champaign, Illinois | 158 | $ 23,750,000 | $ 150,316 | $ 117,000 |
| Peoria, Illinois | 121 | $ 15,270,000 | $ 126,198 | $ 102,000 |
| Woodford, Illinois | 98 | $ 11,426,000 | $ 116,591 | $ 69,000 |
| Cook, Illinois | 91 | $ 34,423,000 | $ 378,274 | $ 178,000 |
| Bureau, Illinois | 79 | $ 6,687,000 | $ 84,645 | $ 62,000 |
| LaSalle, Illinois | 53 | $ 4,047,000 | $ 76,358 | $ 51,000 |
| Will, Illinois | 40 | $ 5,700,000 | $ 142,500 | $ 74,000 |
| De Witt, Illinois | 27 | $ 2,759,000 | $ 102,185 | $ 65,000 |
| Kane, Illinois | 23 | $ 3,507,000 | $ 152,478 | $ 88,000 |
| Marshall, Illinois | 21 | $ 1,745,000 | $ 83,095 | $ 74,000 |
| Kendall, Illinois | 20 | $ 2,595,000 | $ 129,750 | $ 86,000 |
| DuPage, Illinois | 16 | $ 4,311,000 | $ 269,437 | $ 72,000 |
| Ford, Illinois | 15 | $ 939,000 | $ 62,600 | $ 55,000 |
| DeKalb, Illinois | 13 | $ 1,159,000 | $ 89,153 | $ 88,000 |
| Piatt, Illinois | 12 | $ 1,693,000 | $ 141,083 | $ 117,000 |
| Livingston, Illinois | 7 | $ 708,000 | $ 101,142 | $ 47,000 |
| Macon, Illinois | 7 | $ 648,000 | $ 92,571 | $ 93,000 |
| Maricopa, Arizona | 6 | $ 967,000 | $ 161,166 | $ 73,000 |
| Grundy, Illinois | 5 | $ 964,000 | $ 192,800 | $ 119,000 |
| McHenry, Illinois | 5 | $ 909,000 | $ 181,800 | $ 73,000 |
| Putnam, Illinois | 5 | $ 545,000 | $ 109,000 | $ 70,000 |
| Logan, Illinois | 4 | $ 426,000 | $ 106,500 | $ 87,000 |
| Sangamon, Illinois | 4 | $ 421,000 | $ 105,250 | $ 151,000 |
| Winnebago, Illinois | 4 | $ 408,000 | $ 102,000 | $ 66,000 |
| Fulton, Illinois | 3 | $ 401,000 | $ 133,666 | $ 36,000 |
| Charlotte, Florida | 2 | $ 259,000 | $ 129,500 | $ 113,000 |
| Douglas, Illinois | 2 | $ 307,000 | $ 153,500 | $ 98,000 |
| Lake, Illinois | 2 | $ 364,000 | $ 182,000 | $ 76,000 |
| Mason, Illinois | 2 | $ 110,000 | $ 55,000 | $ 31,000 |
| LaPorte, Indiana | 2 | $ 499,000 | $ 249,500 | $ 140,000 |
| St. Louis City, Missouri | 2 | $ 516,000 | $ 258,000 | $ 460,000 |
| Walworth, Wisconsin | 2 | $ 460,000 | $ 230,000 | $ 273,000 |
| Pinal, Arizona | 1 | $ 196,000 | $ 196,000 | $ 218,000 |
| Lee, Florida | 1 | $ 240,000 | $ 240,000 | $ 228,000 |
| Marion, Florida | 1 | $ 370,000 | $ 370,000 | $ 167,000 |
| Pinellas, Florida | 1 | $ 245,000 | $ 245,000 | $ 266,000 |
| Volusia, Florida | 1 | $ 62,000 | $ 62,000 | $ 106,000 |
| Fulton, Georgia | 1 | $ 417,000 | $ 417,000 | $ 200,000 |
| Iroquois, Illinois | 1 | $ 72,000 | $ 72,000 | $ 51,000 |
| Jo Daviess, Illinois | 1 | $ 251,000 | $ 251,000 | $ 120,000 |
| Kankakee, Illinois | 1 | $ 220,000 | $ 220,000 | $ 144,000 |
| Lee, Illinois | 1 | $ 28,000 | $ 28,000 | $ 17,000 |
| Menard, Illinois | 1 | $ 17,000 | $ 17,000 | $ 156,000 |
| Morgan, Illinois | 1 | $ 167,000 | $ 167,000 | $ 122,000 |
| St. Clair, Illinois | 1 | $ 53,000 | $ 53,000 | $ 70,000 |
| Vermilion, Illinois | 1 | $ 2,000 | $ 2,000 | $ 18,000 |
| DeKalb, Indiana | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Hamilton, Indiana | 1 | $ 157,000 | $ 157,000 | $ 47,000 |
| Parke, Indiana | 1 | $ 320,000 | $ 320,000 | $ 250,000 |
| Madison, Iowa | 1 | $ 311,000 | $ 311,000 | $ 185,000 |
| Berrien, Michigan | 1 | $ 226,000 | $ 226,000 | $ 344,000 |
| Olmsted, Minnesota | 1 | $ 109,000 | $ 109,000 | $ 64,000 |
| Camden, Missouri | 1 | $ 124,000 | $ 124,000 | $ 190,000 |
| Clay, Missouri | 1 | $ 28,000 | $ 28,000 | $ 162,000 |
| Hudson, New Jersey | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Cumberland, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 158,000 |
| Mayes, Oklahoma | 1 | $ 230,000 | $ 230,000 | $ 177,000 |
| Philadelphia, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| Charleston, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 844,000 |
| Georgetown, South Carolina | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Jasper, South Carolina | 1 | $ 64,000 | $ 64,000 | $ 96,000 |
| Rutherford, Tennessee | 1 | $ 234,000 | $ 234,000 | $ 112,000 |
| Cherokee, Texas | 1 | $ 187,000 | $ 187,000 | $ 104,000 |
| Montgomery, Texas | 1 | $ 233,000 | $ 233,000 | $ 62,000 |
| Iron, Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 332,000 |
| Jefferson, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 103,000 |
| Sauk, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 137,000 |
| Sawyer, Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 729 | $109,334,000 | $149,000 | $2,609,000 | $103,000 | $2,949,000 |
| Refinancing | 661 | $100,926,000 | $152,000 | $1,400,000 | $103,000 | $797,000 |
| Home Improvement | 155 | $12,534,000 | $80,000 | $417,000 | $94,000 | $844,000 |
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 | 1,344 | $186,095,000 | $138,000 | $1,255,000 | $107,000 | $2,949,000 |
| Not applicable | 70 | $18,100,000 | $258,000 | $2,609,000 | $0 | $0 |
| Not Provided | 67 | $10,376,000 | $154,000 | $1,400,000 | $99,000 | $420,000 |
| Hispanic | 32 | $2,991,000 | $93,000 | $375,000 | $100,000 | $393,000 |
| Asian | 18 | $2,633,000 | $146,000 | $417,000 | $119,000 | $559,000 |
| Black or African American | 12 | $2,234,000 | $186,000 | $309,000 | $136,000 | $312,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $210,000 | $210,000 | $210,000 | $94,000 | $94,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $72,000 | $72,000 |
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) | 1,480 | $216,453,000 | $146,000 | $2,609,000 | $104,000 | $2,949,000 |
| FHA-insured (Federal Housing Administration) | 52 | $5,004,000 | $96,000 | $224,000 | $47,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,337,000 | $102,000 | $166,000 | $56,000 | $84,000 |
| 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 | 1,094 | $164,160,000 | $150,000 | $2,609,000 | $110,000 | $2,949,000 |
| Application Denied By Financial Institution | 273 | $31,583,000 | $115,000 | $663,000 | $66,000 | $797,000 |
| Application Withdrawn By Applicant | 90 | $13,591,000 | $151,000 | $1,400,000 | $107,000 | $679,000 |
| Application Approved But Not Accepted | 87 | $13,410,000 | $154,000 | $630,000 | $115,000 | $559,000 |
| Loan Purchased By The Institution | 1 | $50,000 | $50,000 | $50,000 | $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 2014 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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with aggregated HMDA statistics today.
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