Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Heartland Bank & Trust Company of Bloomington, IL reported 1,799 mortgage applications totaling $291.1 million, down 1% from 2015. The average application was for $161,805, and applicants reported an average income of $108,750. 69% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Bloomington, IL (527), Peoria, IL (358) and Chicago-Naperville-Arlington Heights, IL (298) (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 | 1,799 |
| Total Mortgage Loan Application Amount | $291,088,000 |
| Average Mortgage Loan Application Amount | $161,805 |
| Highest Mortgage Loan Application Amount | $2,480,000 |
| Average Applicant Income | $108,750 |
| Highest Applicant Income | $2,160,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 515 | $ 79,954,000 | $ 155,250 | $ 116,000 |
| Champaign, Illinois | 189 | $ 34,496,000 | $ 182,518 | $ 121,000 |
| Tazewell, Illinois | 166 | $ 21,967,000 | $ 132,331 | $ 86,000 |
| Cook, Illinois | 136 | $ 44,050,000 | $ 323,897 | $ 161,000 |
| Woodford, Illinois | 92 | $ 11,275,000 | $ 122,554 | $ 92,000 |
| DeKalb, Illinois | 88 | $ 9,357,000 | $ 106,329 | $ 64,000 |
| Peoria, Illinois | 87 | $ 10,413,000 | $ 119,689 | $ 115,000 |
| Will, Illinois | 73 | $ 11,835,000 | $ 162,123 | $ 100,000 |
| Bureau, Illinois | 68 | $ 5,540,000 | $ 81,470 | $ 74,000 |
| LaSalle, Illinois | 67 | $ 7,475,000 | $ 111,567 | $ 70,000 |
| Kane, Illinois | 51 | $ 7,865,000 | $ 154,215 | $ 70,000 |
| DuPage, Illinois | 31 | $ 12,251,000 | $ 395,193 | $ 172,000 |
| Kendall, Illinois | 26 | $ 3,612,000 | $ 138,923 | $ 89,000 |
| Lake, Illinois | 21 | $ 2,592,000 | $ 123,428 | $ 74,000 |
| McHenry, Illinois | 18 | $ 3,020,000 | $ 167,777 | $ 92,000 |
| Grundy, Illinois | 14 | $ 1,961,000 | $ 140,071 | $ 81,000 |
| Piatt, Illinois | 13 | $ 1,949,000 | $ 149,923 | $ 101,000 |
| De Witt, Illinois | 12 | $ 1,206,000 | $ 100,500 | $ 87,000 |
| Ford, Illinois | 12 | $ 1,112,000 | $ 92,666 | $ 60,000 |
| Putnam, Illinois | 12 | $ 1,233,000 | $ 102,750 | $ 73,000 |
| Kenosha, Wisconsin | 11 | $ 1,683,000 | $ 153,000 | $ 139,000 |
| Marshall, Illinois | 9 | $ 1,134,000 | $ 126,000 | $ 46,000 |
| Sangamon, Illinois | 6 | $ 1,209,000 | $ 201,500 | $ 208,000 |
| Maricopa, Arizona | 5 | $ 1,227,000 | $ 245,400 | $ 173,000 |
| Stark, Illinois | 4 | $ 151,000 | $ 37,750 | $ 52,000 |
| Jo Daviess, Illinois | 3 | $ 473,000 | $ 157,666 | $ 166,000 |
| Knox, Illinois | 3 | $ 233,000 | $ 77,666 | $ 102,000 |
| Logan, Illinois | 3 | $ 263,000 | $ 87,666 | $ 9,000 |
| Pinal, Arizona | 2 | $ 250,000 | $ 125,000 | $ 47,000 |
| Boone, Illinois | 2 | $ 347,000 | $ 173,500 | $ 87,000 |
| Douglas, Illinois | 2 | $ 58,000 | $ 29,000 | $ 17,000 |
| Fulton, Illinois | 2 | $ 201,000 | $ 100,500 | $ 115,000 |
| Jersey, Illinois | 2 | $ 396,000 | $ 198,000 | $ 148,000 |
| Lee, Illinois | 2 | $ 246,000 | $ 123,000 | $ 48,000 |
| Livingston, Illinois | 2 | $ 252,000 | $ 126,000 | $ 66,000 |
| Moultrie, Illinois | 2 | $ 144,000 | $ 72,000 | $ 232,000 |
| Hamilton, Indiana | 2 | $ 809,000 | $ 404,500 | $ 380,000 |
| LaPorte, Indiana | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Marion, Indiana | 2 | $ 264,000 | $ 132,000 | $ 57,000 |
| Benton, Oregon | 2 | $ 744,000 | $ 372,000 | $ 360,000 |
| Williamson, Tennessee | 2 | $ 448,000 | $ 224,000 | $ 144,000 |
| Travis, Texas | 2 | $ 585,000 | $ 292,500 | $ 410,000 |
| Baldwin, Alabama | 1 | $ 164,000 | $ 164,000 | $ 126,000 |
| Bay, Florida | 1 | $ 225,000 | $ 225,000 | $ 181,000 |
| Broward, Florida | 1 | $ 354,000 | $ 354,000 | $ 366,000 |
| Hillsborough, Florida | 1 | $ 266,000 | $ 266,000 | $ 84,000 |
| DeKalb, Georgia | 1 | $ 70,000 | $ 70,000 | $ 113,000 |
| Coles, Illinois | 1 | $ 120,000 | $ 120,000 | $ 159,000 |
| Effingham, Illinois | 1 | $ 230,000 | $ 230,000 | $ 310,000 |
| Henry, Illinois | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Jefferson, Illinois | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| Johnson, Illinois | 1 | $ 96,000 | $ 96,000 | $ 128,000 |
| Mason, Illinois | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Ogle, Illinois | 1 | $ 87,000 | $ 87,000 | $ 249,000 |
| Schuyler, Illinois | 1 | $ 33,000 | $ 33,000 | $ 44,000 |
| Warren, Illinois | 1 | $ 132,000 | $ 132,000 | $ 72,000 |
| Winnebago, Illinois | 1 | $ 243,000 | $ 243,000 | $ 160,000 |
| Clark, Indiana | 1 | $ 130,000 | $ 130,000 | $ 140,000 |
| Fountain, Indiana | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Hendricks, Indiana | 1 | $ 331,000 | $ 331,000 | $ 95,000 |
| Lake, Indiana | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Porter, Indiana | 1 | $ 149,000 | $ 149,000 | $ 36,000 |
| St. Joseph, Indiana | 1 | $ 417,000 | $ 417,000 | $ 746,000 |
| Linn, Iowa | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Johnson, Kansas | 1 | $ 385,000 | $ 385,000 | $ 78,000 |
| Henderson, Kentucky | 1 | $ 108,000 | $ 108,000 | $ 100,000 |
| Kent, Michigan | 1 | $ 169,000 | $ 169,000 | $ 130,000 |
| Harrison, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Camden, Missouri | 1 | $ 348,000 | $ 348,000 | $ 1,167,000 |
| Morgan, Missouri | 1 | $ 140,000 | $ 140,000 | $ 91,000 |
| St. Louis City, Missouri | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Philadelphia, Pennsylvania | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Dallas, Texas | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Dunn, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 122,000 |
| Juneau, Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 34,000 |
| Oneida, Wisconsin | 1 | $ 384,000 | $ 384,000 | $ 429,000 |
| Walworth, Wisconsin | 1 | $ 206,000 | $ 206,000 | $ 1,065,000 |
| Waukesha, Wisconsin | 1 | $ 319,000 | $ 319,000 | $ 208,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2016
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 | 910 | $165,192,000 | $181,000 | $2,480,000 | $123,000 | $2,160,000 |
| Home Purchase | 656 | $105,014,000 | $160,000 | $1,990,000 | $96,000 | $1,167,000 |
| Home Improvement | 233 | $20,882,000 | $89,000 | $1,070,000 | $89,000 | $398,000 |
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 | 1,504 | $233,245,000 | $155,000 | $1,890,000 | $119,000 | $2,160,000 |
| Not applicable | 123 | $32,360,000 | $263,000 | $2,480,000 | $0 | $0 |
| Not Provided | 73 | $12,572,000 | $172,000 | $1,990,000 | $121,000 | $828,000 |
| Hispanic | 51 | $5,430,000 | $106,000 | $386,000 | $64,000 | $360,000 |
| Asian | 28 | $4,909,000 | $175,000 | $793,000 | $112,000 | $828,000 |
| Black or African American | 15 | $1,737,000 | $115,000 | $331,000 | $81,000 | $221,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $347,000 | $115,000 | $204,000 | $123,000 | $223,000 |
| American Indian or Alaskan Native | 2 | $488,000 | $244,000 | $450,000 | $68,000 | $102,000 |
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) | 1,772 | $287,510,000 | $162,000 | $2,480,000 | $109,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,742,000 | $137,000 | $195,000 | $62,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $836,000 | $119,000 | $206,000 | $30,000 | $57,000 |
| 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 | 1,235 | $205,771,000 | $166,000 | $2,480,000 | $112,000 | $2,160,000 |
| Application Denied By Financial Institution | 272 | $33,009,000 | $121,000 | $954,000 | $75,000 | $828,000 |
| Application Withdrawn By Applicant | 197 | $37,560,000 | $190,000 | $1,990,000 | $126,000 | $828,000 |
| Application Approved But Not Accepted | 95 | $14,748,000 | $155,000 | $417,000 | $123,000 | $1,065,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 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 2016 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About