Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Heartland Bank & Trust Company of Bloomington, IL reported 1,228 mortgage applications totaling $217.4 million, down 32% from 2016. The average application was for $177,013, and applicants reported an average income of $95,352. 70% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Bloomington, IL (365), Chicago-Naperville-Arlington Heights, IL (236) and Peoria, IL (226) (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 | 1,228 |
| Total Mortgage Loan Application Amount | $217,372,000 |
| Average Mortgage Loan Application Amount | $177,013 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $95,352 |
| Highest Applicant Income | $1,372,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 348 | $ 48,512,000 | $ 139,402 | $ 102,000 |
| Cook, Illinois | 104 | $ 61,999,000 | $ 596,144 | $ 111,000 |
| Tazewell, Illinois | 100 | $ 11,531,000 | $ 115,310 | $ 89,000 |
| Champaign, Illinois | 92 | $ 17,133,000 | $ 186,228 | $ 113,000 |
| Woodford, Illinois | 62 | $ 6,805,000 | $ 109,758 | $ 77,000 |
| Bureau, Illinois | 60 | $ 4,737,000 | $ 78,950 | $ 69,000 |
| DeKalb, Illinois | 56 | $ 7,070,000 | $ 126,250 | $ 67,000 |
| Peoria, Illinois | 55 | $ 6,665,000 | $ 121,181 | $ 87,000 |
| Will, Illinois | 50 | $ 8,792,000 | $ 175,840 | $ 83,000 |
| LaSalle, Illinois | 47 | $ 4,894,000 | $ 104,127 | $ 70,000 |
| DuPage, Illinois | 36 | $ 8,023,000 | $ 222,861 | $ 157,000 |
| Kane, Illinois | 34 | $ 5,757,000 | $ 169,323 | $ 97,000 |
| Kendall, Illinois | 26 | $ 3,570,000 | $ 137,307 | $ 101,000 |
| De Witt, Illinois | 17 | $ 1,678,000 | $ 98,705 | $ 83,000 |
| Lake, Illinois | 15 | $ 2,523,000 | $ 168,200 | $ 47,000 |
| Grundy, Illinois | 10 | $ 1,311,000 | $ 131,100 | $ 85,000 |
| McHenry, Illinois | 10 | $ 1,338,000 | $ 133,800 | $ 66,000 |
| Piatt, Illinois | 10 | $ 1,599,000 | $ 159,900 | $ 61,000 |
| Marshall, Illinois | 8 | $ 472,000 | $ 59,000 | $ 50,000 |
| Kenosha, Wisconsin | 7 | $ 713,000 | $ 101,857 | $ 47,000 |
| Ogle, Illinois | 5 | $ 459,000 | $ 91,800 | $ 82,000 |
| Sangamon, Illinois | 5 | $ 931,000 | $ 186,200 | $ 113,000 |
| Ford, Illinois | 4 | $ 419,000 | $ 104,750 | $ 87,000 |
| Livingston, Illinois | 4 | $ 360,000 | $ 90,000 | $ 83,000 |
| Winnebago, Illinois | 4 | $ 347,000 | $ 86,750 | $ 128,000 |
| Douglas, Illinois | 3 | $ 399,000 | $ 133,000 | $ 116,000 |
| Jo Daviess, Illinois | 3 | $ 488,000 | $ 162,666 | $ 152,000 |
| Logan, Illinois | 3 | $ 420,000 | $ 140,000 | $ 81,000 |
| Macon, Illinois | 3 | $ 295,000 | $ 98,333 | $ 41,000 |
| Vermilion, Illinois | 3 | $ 1,000,000 | $ 333,333 | $ 105,000 |
| Pima, Arizona | 2 | $ 380,000 | $ 190,000 | $ 131,000 |
| Flagler, Florida | 2 | $ 350,000 | $ 175,000 | $ 182,000 |
| Lee, Florida | 2 | $ 473,000 | $ 236,500 | $ 131,000 |
| Knox, Illinois | 2 | $ 125,000 | $ 62,500 | $ 94,000 |
| Lee, Illinois | 2 | $ 42,000 | $ 21,000 | $ 92,000 |
| Mason, Illinois | 2 | $ 199,000 | $ 99,500 | $ 54,000 |
| Monroe, Indiana | 2 | $ 157,000 | $ 78,500 | $ 40,000 |
| East Baton Rouge, Louisiana | 2 | $ 535,000 | $ 267,500 | $ 249,000 |
| Baldwin, Alabama | 1 | $ 180,000 | $ 180,000 | $ 126,000 |
| Maricopa, Arizona | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Routt, Colorado | 1 | $ 244,000 | $ 244,000 | $ 255,000 |
| Brevard, Florida | 1 | $ 293,000 | $ 293,000 | $ 135,000 |
| Duval, Florida | 1 | $ 95,000 | $ 95,000 | $ 134,000 |
| Boone, Illinois | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Henry, Illinois | 1 | $ 50,000 | $ 50,000 | $ 87,000 |
| Kankakee, Illinois | 1 | $ 67,000 | $ 67,000 | $ 169,000 |
| Madison, Illinois | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Mercer, Illinois | 1 | $ 109,000 | $ 109,000 | $ 54,000 |
| Putnam, Illinois | 1 | $ 278,000 | $ 278,000 | $ 162,000 |
| Stark, Illinois | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Warren, Illinois | 1 | $ 112,000 | $ 112,000 | $ 77,000 |
| Whiteside, Illinois | 1 | $ 39,000 | $ 39,000 | $ 13,000 |
| Hamilton, Indiana | 1 | $ 127,000 | $ 127,000 | $ 197,000 |
| Marion, Indiana | 1 | $ 242,000 | $ 242,000 | $ 59,000 |
| Porter, Indiana | 1 | $ 355,000 | $ 355,000 | $ 154,000 |
| Scott, Iowa | 1 | $ 139,000 | $ 139,000 | $ 120,000 |
| Adams, Mississippi | 1 | $ 64,000 | $ 64,000 | $ 89,000 |
| Camden, Missouri | 1 | $ 131,000 | $ 131,000 | $ 186,000 |
| Wake, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Cumberland, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 105,000 |
| Lake, Tennessee | 1 | $ 46,000 | $ 46,000 | $ 32,000 |
| Travis, Texas | 1 | $ 330,000 | $ 330,000 | $ 255,000 |
| Door, Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 75,000 |
| Fond du Lac, Wisconsin | 1 | $ 76,000 | $ 76,000 | $ 44,000 |
| Sheboygan, Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Walworth, Wisconsin | 1 | $ 665,000 | $ 665,000 | $ 1,035,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2017
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 | 630 | $104,533,000 | $165,000 | $2,681,000 | $85,000 | $1,236,000 |
| Refinancing | 449 | $81,297,000 | $181,000 | $2,865,000 | $109,000 | $1,200,000 |
| Home Improvement | 149 | $31,542,000 | $211,000 | $14,000,000 | $98,000 | $1,372,000 |
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 | 988 | $139,997,000 | $141,000 | $1,238,000 | $107,000 | $1,372,000 |
| Not applicable | 144 | $61,918,000 | $429,000 | $14,000,000 | $0 | $0 |
| Hispanic | 40 | $5,210,000 | $130,000 | $1,000,000 | $96,000 | $602,000 |
| Asian | 20 | $4,154,000 | $207,000 | $424,000 | $131,000 | $481,000 |
| Black or African American | 15 | $1,910,000 | $127,000 | $342,000 | $90,000 | $242,000 |
| Not Provided | 15 | $2,927,000 | $195,000 | $835,000 | $116,000 | $311,000 |
| American Indian or Alaskan Native | 3 | $463,000 | $154,000 | $424,000 | $93,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $793,000 | $264,000 | $424,000 | $642,000 | $828,000 |
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) | 1,214 | $215,632,000 | $177,000 | $14,000,000 | $96,000 | $1,372,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,672,000 | $128,000 | $194,000 | $54,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $68,000 | $68,000 | $68,000 | $36,000 | $36,000 |
| 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 | 855 | $166,945,000 | $195,000 | $14,000,000 | $95,000 | $1,372,000 |
| Application Denied By Financial Institution | 222 | $24,590,000 | $110,000 | $1,238,000 | $71,000 | $907,000 |
| Application Withdrawn By Applicant | 95 | $16,107,000 | $169,000 | $1,238,000 | $136,000 | $1,032,000 |
| Application Approved But Not Accepted | 56 | $9,730,000 | $173,000 | $1,000,000 | $132,000 | $828,000 |
| 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 2017 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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