Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Heartland Bank & Trust Company of Bloomington, IL reported 1,027 mortgage applications totaling $245.3 million, up 14% from 2018. The average application was for $238,894, and applicants reported an average income of $122,635. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Bloomington, IL (283), Chicago-Naperville, IL (184) and Peoria, IL (165) (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 | 1,027 |
| Total Mortgage Loan Application Amount | $245,345,000 |
| Average Mortgage Loan Application Amount | $238,894 |
| Highest Mortgage Loan Application Amount | $22,735,000 |
| Average Applicant Income | $122,635 |
| Highest Applicant Income | $2,409,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 283 | $ 46,265,000 | $ 163,480 | $ 137,000 |
| Cook, Illinois | 104 | $ 70,540,000 | $ 678,269 | $ 241,000 |
| Champaign, Illinois | 87 | $ 16,315,000 | $ 187,528 | $ 114,000 |
| Tazewell, Illinois | 86 | $ 11,220,000 | $ 130,465 | $ 102,000 |
| LaSalle, Illinois | 42 | $ 4,720,000 | $ 112,380 | $ 107,000 |
| DeKalb, Illinois | 38 | $ 5,540,000 | $ 145,789 | $ 106,000 |
| Woodford, Illinois | 38 | $ 4,760,000 | $ 125,263 | $ 84,000 |
| Peoria, Illinois | 36 | $ 4,960,000 | $ 137,777 | $ 129,000 |
| Bureau, Illinois | 35 | $ 3,165,000 | $ 90,428 | $ 74,000 |
| Will, Illinois | 35 | $ 5,655,000 | $ 161,571 | $ 95,000 |
| DuPage, Illinois | 31 | $ 10,325,000 | $ 333,064 | $ 128,000 |
| Kendall, Illinois | 23 | $ 4,015,000 | $ 174,565 | $ 104,000 |
| Kane, Illinois | 20 | $ 4,100,000 | $ 205,000 | $ 125,000 |
| Lake, Illinois | 20 | $ 3,840,000 | $ 192,000 | $ 103,000 |
| Piatt, Illinois | 17 | $ 3,555,000 | $ 209,117 | $ 168,000 |
| Ford, Illinois | 11 | $ 1,385,000 | $ 125,909 | $ 70,000 |
| De Witt, Illinois | 9 | $ 765,000 | $ 85,000 | $ 78,000 |
| Kenosha, Wisconsin | 9 | $ 1,265,000 | $ 140,555 | $ 72,000 |
| McHenry, Illinois | 8 | $ 1,040,000 | $ 130,000 | $ 99,000 |
| Livingston, Illinois | 7 | $ 695,000 | $ 99,285 | $ 120,000 |
| Grundy, Illinois | 6 | $ 860,000 | $ 143,333 | $ 109,000 |
| Maricopa, Arizona | 5 | $ 875,000 | $ 175,000 | $ 97,000 |
| Putnam, Illinois | 5 | $ 855,000 | $ 171,000 | $ 85,000 |
| Sangamon, Illinois | 5 | $ 1,375,000 | $ 275,000 | $ 136,000 |
| Logan, Illinois | 4 | $ 270,000 | $ 67,500 | $ 64,000 |
| Marshall, Illinois | 4 | $ 330,000 | $ 82,500 | $ 93,000 |
| Walworth, Wisconsin | 4 | $ 1,300,000 | $ 325,000 | $ 371,000 |
| Douglas, Illinois | 3 | $ 455,000 | $ 151,666 | $ 148,000 |
| Lee, Illinois | 2 | $ 240,000 | $ 120,000 | $ 53,000 |
| Marion, Indiana | 2 | $ 22,560,000 | $ 11,280,000 | $ 0 |
| Muskegon, Michigan | 2 | $ 1,110,000 | $ 555,000 | $ 391,000 |
| Camden, Missouri | 2 | $ 340,000 | $ 170,000 | $ 200,000 |
| Mecklenburg, North Carolina | 2 | $ 790,000 | $ 395,000 | $ 145,000 |
| Milwaukee, Wisconsin | 2 | $ 680,000 | $ 340,000 | $ 215,000 |
| Baldwin, Alabama | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Pinal, Arizona | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Napa, California | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| El Paso, Colorado | 1 | $ 345,000 | $ 345,000 | $ 219,000 |
| Collier, Florida | 1 | $ 3,005,000 | $ 3,005,000 | $ 237,000 |
| Lee, Florida | 1 | $ 175,000 | $ 175,000 | $ 177,000 |
| Manatee, Florida | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Boone, Illinois | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Christian, Illinois | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Fulton, Illinois | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Jo Daviess, Illinois | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| McDonough, Illinois | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Vermilion, Illinois | 1 | $ 135,000 | $ 135,000 | $ 301,000 |
| Winnebago, Illinois | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Lake, Indiana | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Warren, Indiana | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Oldham, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Boone, Missouri | 1 | $ 125,000 | $ 125,000 | $ 742,000 |
| Gallatin, Montana | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Durham, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Allegheny, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Coffee, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Shelby, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Barron, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 113,000 |
| Crawford, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Jefferson, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2019
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 | 478 | $133,220,000 | $278,000 | $22,735,000 | $115,000 | $2,409,000 |
| Refinancing | 268 | $57,820,000 | $215,000 | $1,705,000 | $124,000 | $460,000 |
| Cash-out Refinancing | 245 | $52,875,000 | $215,000 | $4,985,000 | $139,000 | $1,389,000 |
| Home Improvement | 18 | $580,000 | $32,000 | $125,000 | $107,000 | $225,000 |
| Other Purpose | 18 | $850,000 | $47,000 | $185,000 | $98,000 | $444,000 |
| 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 | 795 | $133,595,000 | $168,000 | $3,005,000 | $122,000 | $2,409,000 |
| Not applicable | 131 | $96,725,000 | $738,000 | $22,735,000 | $0 | $0 |
| Not Provided | 41 | $7,015,000 | $171,000 | $485,000 | $164,000 | $1,389,000 |
| Hispanic | 32 | $4,350,000 | $135,000 | $425,000 | $99,000 | $369,000 |
| Asian | 14 | $2,020,000 | $144,000 | $295,000 | $130,000 | $904,000 |
| Black or African American | 10 | $1,010,000 | $101,000 | $485,000 | $137,000 | $460,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $195,000 | $225,000 | $225,000 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $109,000 | $109,000 |
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) | 1,022 | $244,890,000 | $239,000 | $22,735,000 | $124,000 | $2,409,000 |
| FHA-insured (Federal Housing Administration) | 5 | $455,000 | $91,000 | $105,000 | $51,000 | $62,000 |
| 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 | 819 | $212,975,000 | $260,000 | $22,735,000 | $130,000 | $2,409,000 |
| Application Denied By Financial Institution | 104 | $13,010,000 | $125,000 | $485,000 | $81,000 | $904,000 |
| Application Withdrawn By Applicant | 61 | $12,885,000 | $211,000 | $1,375,000 | $131,000 | $1,035,000 |
| Application Approved But Not Accepted | 43 | $6,475,000 | $150,000 | $795,000 | $116,000 | $787,000 |
| 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 | 923 | $232,335,000 | $251,000 | $22,735,000 | $129,000 | $2,409,000 |
| Credit History | 48 | $4,900,000 | $102,000 | $325,000 | $71,000 | $151,000 |
| Debt-To-Income Ratio | 34 | $5,510,000 | $162,000 | $485,000 | $98,000 | $904,000 |
| Collateral | 19 | $2,295,000 | $120,000 | $345,000 | $79,000 | $232,000 |
| Other | 2 | $250,000 | $125,000 | $155,000 | $82,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $47,000 | $47,000 |
| 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 2019 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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