Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Heartland Bank & Trust Company of Bloomington, IL reported 902 mortgage applications totaling $148.0 million, down 27% from 2017. The average application was for $164,124, and applicants reported an average income of $119,261. 72% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Bloomington, IL (258), Peoria, IL (164) and Chicago-Naperville-Arlington Heights, IL (155) (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 | 902 |
| Total Mortgage Loan Application Amount | $148,040,000 |
| Average Mortgage Loan Application Amount | $164,124 |
| Highest Mortgage Loan Application Amount | $1,975,000 |
| Average Applicant Income | $119,261 |
| Highest Applicant Income | $1,240,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 250 | $ 35,520,000 | $ 142,080 | $ 117,000 |
| Champaign, Illinois | 77 | $ 13,365,000 | $ 173,571 | $ 134,000 |
| Cook, Illinois | 73 | $ 26,845,000 | $ 367,739 | $ 219,000 |
| Tazewell, Illinois | 67 | $ 9,565,000 | $ 142,761 | $ 80,000 |
| Woodford, Illinois | 50 | $ 6,620,000 | $ 132,400 | $ 90,000 |
| Bureau, Illinois | 45 | $ 3,985,000 | $ 88,555 | $ 73,000 |
| Peoria, Illinois | 42 | $ 5,330,000 | $ 126,904 | $ 113,000 |
| DeKalb, Illinois | 41 | $ 5,265,000 | $ 128,414 | $ 81,000 |
| LaSalle, Illinois | 36 | $ 3,930,000 | $ 109,166 | $ 101,000 |
| Will, Illinois | 35 | $ 5,845,000 | $ 167,000 | $ 109,000 |
| Kane, Illinois | 20 | $ 3,680,000 | $ 184,000 | $ 128,000 |
| Kendall, Illinois | 20 | $ 3,250,000 | $ 162,500 | $ 118,000 |
| DuPage, Illinois | 13 | $ 3,835,000 | $ 295,000 | $ 149,000 |
| Lake, Illinois | 11 | $ 1,095,000 | $ 99,545 | $ 108,000 |
| De Witt, Illinois | 8 | $ 660,000 | $ 82,500 | $ 83,000 |
| Piatt, Illinois | 8 | $ 1,220,000 | $ 152,500 | $ 116,000 |
| Ford, Illinois | 7 | $ 525,000 | $ 75,000 | $ 80,000 |
| Grundy, Illinois | 7 | $ 1,575,000 | $ 225,000 | $ 282,000 |
| Livingston, Illinois | 7 | $ 635,000 | $ 90,714 | $ 68,000 |
| McHenry, Illinois | 7 | $ 915,000 | $ 130,714 | $ 109,000 |
| Maricopa, Arizona | 5 | $ 845,000 | $ 169,000 | $ 94,000 |
| Kenosha, Wisconsin | 5 | $ 635,000 | $ 127,000 | $ 102,000 |
| Marshall, Illinois | 4 | $ 290,000 | $ 72,500 | $ 42,000 |
| Putnam, Illinois | 4 | $ 450,000 | $ 112,500 | $ 101,000 |
| Camden, Missouri | 4 | $ 790,000 | $ 197,500 | $ 303,000 |
| Fulton, Illinois | 3 | $ 245,000 | $ 81,666 | $ 58,000 |
| Iroquois, Illinois | 3 | $ 145,000 | $ 48,333 | $ 115,000 |
| Lee, Illinois | 3 | $ 215,000 | $ 71,666 | $ 60,000 |
| Ogle, Illinois | 3 | $ 615,000 | $ 205,000 | $ 122,000 |
| Vilas, Wisconsin | 3 | $ 865,000 | $ 288,333 | $ 321,000 |
| Lee, Florida | 2 | $ 170,000 | $ 85,000 | $ 91,000 |
| Palm Beach, Florida | 2 | $ 2,290,000 | $ 1,145,000 | $ 268,000 |
| Jo Daviess, Illinois | 2 | $ 270,000 | $ 135,000 | $ 173,000 |
| Knox, Illinois | 2 | $ 70,000 | $ 35,000 | $ 35,000 |
| Logan, Illinois | 2 | $ 160,000 | $ 80,000 | $ 66,000 |
| Hendricks, Indiana | 2 | $ 430,000 | $ 215,000 | $ 56,000 |
| Lake, Indiana | 2 | $ 250,000 | $ 125,000 | $ 151,000 |
| Muskegon, Michigan | 2 | $ 570,000 | $ 285,000 | $ 276,000 |
| Madison, Mississippi | 2 | $ 590,000 | $ 295,000 | $ 135,000 |
| Tallapoosa, Alabama | 1 | $ 185,000 | $ 185,000 | $ 416,000 |
| Pinal, Arizona | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Collier, Florida | 1 | $ 405,000 | $ 405,000 | $ 365,000 |
| Highlands, Florida | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Okaloosa, Florida | 1 | $ 155,000 | $ 155,000 | $ 244,000 |
| Sumter, Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Christian, Illinois | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Kankakee, Illinois | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| McDonough, Illinois | 1 | $ 35,000 | $ 35,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Stark, Illinois | 1 | $ 25,000 | $ 25,000 | $ 10,000 |
| Washington, Illinois | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Williamson, Illinois | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Fountain, Indiana | 1 | $ 255,000 | $ 255,000 | $ 134,000 |
| Hamilton, Indiana | 1 | $ 155,000 | $ 155,000 | $ 137,000 |
| Porter, Indiana | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| St. Joseph, Indiana | 1 | $ 365,000 | $ 365,000 | $ 1,160,000 |
| Wayne, Indiana | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
| Polk, Iowa | 1 | $ 325,000 | $ 325,000 | $ 112,000 |
| Lyon, Kentucky | 1 | $ 345,000 | $ 345,000 | $ 684,000 |
| Cass, Michigan | 1 | $ 335,000 | $ 335,000 | $ 683,000 |
| Sevier, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 88,000 |
| Walworth, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 1,035,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2018
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 | 486 | $80,410,000 | $165,000 | $1,155,000 | $118,000 | $1,240,000 |
| Cash-out Refinancing | 226 | $33,270,000 | $147,000 | $1,255,000 | $118,000 | $773,000 |
| Refinancing | 143 | $30,245,000 | $211,000 | $1,975,000 | $120,000 | $1,160,000 |
| Home Improvement | 25 | $2,045,000 | $81,000 | $445,000 | $160,000 | $1,035,000 |
| Other Purpose | 22 | $2,070,000 | $94,000 | $295,000 | $109,000 | $323,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 737 | $109,255,000 | $148,000 | $1,155,000 | $122,000 | $1,240,000 |
| Not applicable | 91 | $26,545,000 | $291,000 | $1,975,000 | $25,000 | $25,000 |
| Not Provided | 28 | $5,520,000 | $197,000 | $1,125,000 | $116,000 | $403,000 |
| Hispanic | 21 | $2,445,000 | $116,000 | $245,000 | $77,000 | $182,000 |
| Asian | 13 | $2,415,000 | $185,000 | $355,000 | $111,000 | $285,000 |
| Black or African American | 7 | $1,005,000 | $143,000 | $425,000 | $84,000 | $175,000 |
| American Indian or Alaskan Native | 2 | $270,000 | $135,000 | $145,000 | $76,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $220,000 | $220,000 |
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) | 895 | $147,115,000 | $164,000 | $1,975,000 | $120,000 | $1,240,000 |
| FHA-insured (Federal Housing Administration) | 7 | $925,000 | $132,000 | $185,000 | $69,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 651 | $112,825,000 | $173,000 | $1,975,000 | $128,000 | $1,240,000 |
| Application Denied By Financial Institution | 130 | $18,050,000 | $138,000 | $1,155,000 | $92,000 | $1,179,000 |
| Application Withdrawn By Applicant | 68 | $9,980,000 | $146,000 | $425,000 | $107,000 | $773,000 |
| Application Approved But Not Accepted | 53 | $7,185,000 | $135,000 | $355,000 | $118,000 | $684,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 772 | $129,990,000 | $168,000 | $1,975,000 | $125,000 | $1,240,000 |
| Credit History | 56 | $6,870,000 | $122,000 | $305,000 | $71,000 | $183,000 |
| Debt-To-Income Ratio | 50 | $7,620,000 | $152,000 | $1,155,000 | $82,000 | $484,000 |
| Collateral | 20 | $2,510,000 | $125,000 | $345,000 | $166,000 | $1,179,000 |
| Other | 3 | $1,015,000 | $338,000 | $785,000 | $166,000 | $294,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $33,000 | $33,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2018 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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