Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Heartland Bank & Trust Company of Bloomington, IL reported 1,812 mortgage applications totaling $299.5 million, up 17% from 2014. The average application was for $165,267, and applicants reported an average income of $101,268. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Bloomington, IL (500), Peoria, IL (484) and Chicago-Naperville-Arlington Heights, IL (257) (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 | 1,812 |
| Total Mortgage Loan Application Amount | $299,465,000 |
| Average Mortgage Loan Application Amount | $165,267 |
| Highest Mortgage Loan Application Amount | $16,825,000 |
| Average Applicant Income | $101,268 |
| Highest Applicant Income | $2,023,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 475 | $ 70,960,000 | $ 149,389 | $ 110,000 |
| Tazewell, Illinois | 269 | $ 33,013,000 | $ 122,724 | $ 79,000 |
| Champaign, Illinois | 174 | $ 29,385,000 | $ 168,879 | $ 119,000 |
| Bureau, Illinois | 104 | $ 8,695,000 | $ 83,605 | $ 62,000 |
| Cook, Illinois | 104 | $ 38,191,000 | $ 367,221 | $ 119,000 |
| Woodford, Illinois | 104 | $ 13,174,000 | $ 126,673 | $ 80,000 |
| Peoria, Illinois | 96 | $ 16,297,000 | $ 169,760 | $ 90,000 |
| LaSalle, Illinois | 66 | $ 6,756,000 | $ 102,363 | $ 63,000 |
| Will, Illinois | 59 | $ 8,954,000 | $ 151,762 | $ 80,000 |
| Kane, Illinois | 41 | $ 7,216,000 | $ 176,000 | $ 110,000 |
| Kendall, Illinois | 37 | $ 5,793,000 | $ 156,567 | $ 90,000 |
| DuPage, Illinois | 35 | $ 8,527,000 | $ 243,628 | $ 178,000 |
| De Witt, Illinois | 25 | $ 2,813,000 | $ 112,520 | $ 73,000 |
| DeKalb, Illinois | 23 | $ 3,553,000 | $ 154,478 | $ 67,000 |
| Piatt, Illinois | 19 | $ 3,894,000 | $ 204,947 | $ 145,000 |
| Grundy, Illinois | 15 | $ 2,113,000 | $ 140,866 | $ 72,000 |
| Marshall, Illinois | 15 | $ 1,272,000 | $ 84,800 | $ 56,000 |
| Ford, Illinois | 13 | $ 1,040,000 | $ 80,000 | $ 60,000 |
| Putnam, Illinois | 12 | $ 1,168,000 | $ 97,333 | $ 65,000 |
| Maricopa, Arizona | 7 | $ 1,173,000 | $ 167,571 | $ 86,000 |
| Lake, Illinois | 7 | $ 936,000 | $ 133,714 | $ 43,000 |
| McHenry, Illinois | 7 | $ 1,468,000 | $ 209,714 | $ 139,000 |
| Douglas, Illinois | 6 | $ 615,000 | $ 102,500 | $ 61,000 |
| Livingston, Illinois | 6 | $ 550,000 | $ 91,666 | $ 31,000 |
| Collier, Florida | 5 | $ 1,841,000 | $ 368,200 | $ 1,210,000 |
| Lee, Florida | 5 | $ 494,000 | $ 98,800 | $ 200,000 |
| Fulton, Illinois | 5 | $ 393,000 | $ 78,600 | $ 66,000 |
| Sangamon, Illinois | 5 | $ 984,000 | $ 196,800 | $ 209,000 |
| Winnebago, Illinois | 5 | $ 750,000 | $ 150,000 | $ 75,000 |
| Logan, Illinois | 4 | $ 201,000 | $ 50,250 | $ 50,000 |
| LaPorte, Indiana | 4 | $ 780,000 | $ 195,000 | $ 0 |
| Camden, Missouri | 4 | $ 674,000 | $ 168,500 | $ 238,000 |
| Knox, Illinois | 3 | $ 413,000 | $ 137,666 | $ 123,000 |
| Baldwin, Alabama | 2 | $ 465,000 | $ 232,500 | $ 109,000 |
| Brevard, Florida | 2 | $ 643,000 | $ 321,500 | $ 195,000 |
| Iroquois, Illinois | 2 | $ 240,000 | $ 120,000 | $ 108,000 |
| Lee, Illinois | 2 | $ 351,000 | $ 175,500 | $ 90,000 |
| Mason, Illinois | 2 | $ 141,000 | $ 70,500 | $ 63,000 |
| McDonough, Illinois | 2 | $ 283,000 | $ 141,500 | $ 165,000 |
| Otsego, Michigan | 2 | $ 268,000 | $ 134,000 | $ 124,000 |
| Walworth, Wisconsin | 2 | $ 588,000 | $ 294,000 | $ 319,000 |
| Mobile, Alabama | 1 | $ 16,825,000 | $ 16,825,000 | $ 0 |
| Pinal, Arizona | 1 | $ 131,000 | $ 131,000 | $ 157,000 |
| Chaffee, Colorado | 1 | $ 240,000 | $ 240,000 | $ 100,000 |
| Broward, Florida | 1 | $ 368,000 | $ 368,000 | $ 233,000 |
| Hillsborough, Florida | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Osceola, Florida | 1 | $ 160,000 | $ 160,000 | $ 37,000 |
| Palm Beach, Florida | 1 | $ 395,000 | $ 395,000 | $ 526,000 |
| Volusia, Florida | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
| Cass, Illinois | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| Effingham, Illinois | 1 | $ 249,000 | $ 249,000 | $ 97,000 |
| Kankakee, Illinois | 1 | $ 90,000 | $ 90,000 | $ 97,000 |
| Macon, Illinois | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Madison, Illinois | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Menard, Illinois | 1 | $ 67,000 | $ 67,000 | $ 50,000 |
| Moultrie, Illinois | 1 | $ 223,000 | $ 223,000 | $ 75,000 |
| Ogle, Illinois | 1 | $ 280,000 | $ 280,000 | $ 137,000 |
| Shelby, Illinois | 1 | $ 61,000 | $ 61,000 | $ 53,000 |
| St. Clair, Illinois | 1 | $ 87,000 | $ 87,000 | $ 63,000 |
| Vermilion, Illinois | 1 | $ 49,000 | $ 49,000 | $ 52,000 |
| Fountain, Indiana | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Hendricks, Indiana | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| Clinton, Iowa | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Madison, Iowa | 1 | $ 307,000 | $ 307,000 | $ 185,000 |
| Calloway, Kentucky | 1 | $ 250,000 | $ 250,000 | $ 562,000 |
| Muskegon, Michigan | 1 | $ 300,000 | $ 300,000 | $ 356,000 |
| St. Joseph, Michigan | 1 | $ 116,000 | $ 116,000 | $ 144,000 |
| Harrison, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Franklin, Missouri | 1 | $ 78,000 | $ 78,000 | $ 133,000 |
| Morgan, Missouri | 1 | $ 100,000 | $ 100,000 | $ 300,000 |
| St. Louis City, Missouri | 1 | $ 68,000 | $ 68,000 | $ 32,000 |
| Grafton, New Hampshire | 1 | $ 80,000 | $ 80,000 | $ 101,000 |
| Franklin, Ohio | 1 | $ 99,000 | $ 99,000 | $ 365,000 |
| Charleston, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 1,010,000 |
| Cherokee, Texas | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Collin, Texas | 1 | $ 193,000 | $ 193,000 | $ 205,000 |
| McLennan, Texas | 1 | $ 118,000 | $ 118,000 | $ 145,000 |
| Vilas, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2015
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 | 969 | $168,598,000 | $173,000 | $16,825,000 | $104,000 | $2,023,000 |
| Home Purchase | 639 | $110,324,000 | $172,000 | $3,625,000 | $102,000 | $1,094,000 |
| Home Improvement | 204 | $20,543,000 | $100,000 | $815,000 | $86,000 | $1,079,000 |
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 | 1,553 | $226,745,000 | $146,000 | $544,000 | $108,000 | $2,023,000 |
| Not applicable | 104 | $49,622,000 | $477,000 | $16,825,000 | $0 | $0 |
| Not Provided | 71 | $9,666,000 | $136,000 | $500,000 | $85,000 | $905,000 |
| Hispanic | 40 | $5,031,000 | $125,000 | $540,000 | $91,000 | $477,000 |
| Black or African American | 25 | $3,368,000 | $134,000 | $340,000 | $129,000 | $995,000 |
| Asian | 17 | $4,755,000 | $279,000 | $436,000 | $212,000 | $468,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $278,000 | $139,000 | $253,000 | $46,000 | $48,000 |
| 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) | 1,779 | $295,945,000 | $166,000 | $16,825,000 | $102,000 | $2,023,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,899,000 | $111,000 | $322,000 | $51,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $621,000 | $88,000 | $124,000 | $43,000 | $54,000 |
| 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 | 1,295 | $231,808,000 | $179,000 | $16,825,000 | $106,000 | $1,808,000 |
| Application Denied By Financial Institution | 288 | $34,994,000 | $121,000 | $540,000 | $71,000 | $1,068,000 |
| Application Withdrawn By Applicant | 122 | $18,168,000 | $148,000 | $417,000 | $99,000 | $420,000 |
| Application Approved But Not Accepted | 106 | $14,442,000 | $136,000 | $417,000 | $136,000 | $2,023,000 |
| Loan Purchased By The Institution | 1 | $53,000 | $53,000 | $53,000 | $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 2015 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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