Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, Heartland Bank & Trust Company of Bloomington, IL reported 2,436 mortgage applications totaling $467.6 million, up 137% from 2019. The average application was for $191,945, and applicants reported an average income of $130,436. 73% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Bloomington, IL (631), Chicago-Naperville, IL (482) and Peoria, IL (380) (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 | 2,436 |
| Total Mortgage Loan Application Amount | $467,580,000 |
| Average Mortgage Loan Application Amount | $191,945 |
| Highest Mortgage Loan Application Amount | $6,215,000 |
| Average Applicant Income | $130,436 |
| Highest Applicant Income | $2,700,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 631 | $ 104,145,000 | $ 165,047 | $ 131,000 |
| Cook, Illinois | 239 | $ 86,585,000 | $ 362,280 | $ 209,000 |
| Champaign, Illinois | 216 | $ 43,710,000 | $ 202,361 | $ 136,000 |
| Tazewell, Illinois | 186 | $ 25,420,000 | $ 136,666 | $ 100,000 |
| Will, Illinois | 114 | $ 21,770,000 | $ 190,964 | $ 115,000 |
| DeKalb, Illinois | 111 | $ 24,345,000 | $ 219,324 | $ 136,000 |
| Woodford, Illinois | 108 | $ 18,300,000 | $ 169,444 | $ 112,000 |
| Kane, Illinois | 92 | $ 18,180,000 | $ 197,608 | $ 125,000 |
| DuPage, Illinois | 84 | $ 17,210,000 | $ 204,880 | $ 139,000 |
| Bureau, Illinois | 83 | $ 8,195,000 | $ 98,734 | $ 74,000 |
| Lake, Illinois | 76 | $ 14,190,000 | $ 186,710 | $ 123,000 |
| LaSalle, Illinois | 76 | $ 9,010,000 | $ 118,552 | $ 89,000 |
| Peoria, Illinois | 65 | $ 11,895,000 | $ 183,000 | $ 121,000 |
| Kendall, Illinois | 54 | $ 10,530,000 | $ 195,000 | $ 138,000 |
| De Witt, Illinois | 25 | $ 3,115,000 | $ 124,600 | $ 88,000 |
| Piatt, Illinois | 25 | $ 6,235,000 | $ 249,400 | $ 151,000 |
| McHenry, Illinois | 24 | $ 4,050,000 | $ 168,750 | $ 126,000 |
| Grundy, Illinois | 21 | $ 3,775,000 | $ 179,761 | $ 106,000 |
| Kenosha, Wisconsin | 20 | $ 4,460,000 | $ 223,000 | $ 115,000 |
| Ford, Illinois | 18 | $ 2,180,000 | $ 121,111 | $ 83,000 |
| Marshall, Illinois | 17 | $ 1,385,000 | $ 81,470 | $ 72,000 |
| Putnam, Illinois | 15 | $ 1,565,000 | $ 104,333 | $ 82,000 |
| Sangamon, Illinois | 7 | $ 1,205,000 | $ 172,142 | $ 119,000 |
| Kankakee, Illinois | 6 | $ 690,000 | $ 115,000 | $ 163,000 |
| Camden, Missouri | 6 | $ 1,760,000 | $ 293,333 | $ 594,000 |
| Maricopa, Arizona | 5 | $ 1,315,000 | $ 263,000 | $ 175,000 |
| Collier, Florida | 4 | $ 1,660,000 | $ 415,000 | $ 345,000 |
| Douglas, Illinois | 4 | $ 420,000 | $ 105,000 | $ 154,000 |
| Knox, Illinois | 4 | $ 410,000 | $ 102,500 | $ 117,000 |
| Ogle, Illinois | 4 | $ 520,000 | $ 130,000 | $ 97,000 |
| Vermilion, Illinois | 4 | $ 340,000 | $ 85,000 | $ 50,000 |
| Fulton, Illinois | 3 | $ 265,000 | $ 88,333 | $ 57,000 |
| Livingston, Illinois | 3 | $ 225,000 | $ 75,000 | $ 64,000 |
| Macon, Illinois | 3 | $ 255,000 | $ 85,000 | $ 143,000 |
| McDonough, Illinois | 3 | $ 525,000 | $ 175,000 | $ 323,000 |
| Baldwin, Alabama | 2 | $ 240,000 | $ 120,000 | $ 66,000 |
| El Paso, Colorado | 2 | $ 690,000 | $ 345,000 | $ 150,000 |
| Lee, Florida | 2 | $ 390,000 | $ 195,000 | $ 50,000 |
| Sumter, Florida | 2 | $ 740,000 | $ 370,000 | $ 67,000 |
| Walton, Florida | 2 | $ 350,000 | $ 175,000 | $ 132,000 |
| Logan, Illinois | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Mason, Illinois | 2 | $ 220,000 | $ 110,000 | $ 81,000 |
| Williamson, Illinois | 2 | $ 280,000 | $ 140,000 | $ 63,000 |
| Winnebago, Illinois | 2 | $ 290,000 | $ 145,000 | $ 240,000 |
| Hendricks, Indiana | 2 | $ 390,000 | $ 195,000 | $ 71,000 |
| Lake, Indiana | 2 | $ 220,000 | $ 110,000 | $ 65,000 |
| Monroe, Indiana | 2 | $ 1,030,000 | $ 515,000 | $ 266,000 |
| Muskegon, Michigan | 2 | $ 310,000 | $ 155,000 | $ 52,000 |
| Wake, North Carolina | 2 | $ 780,000 | $ 390,000 | $ 750,000 |
| Vilas, Wisconsin | 2 | $ 570,000 | $ 285,000 | $ 277,000 |
| Talladega, Alabama | 1 | $ 455,000 | $ 455,000 | $ 146,000 |
| Baxter, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Napa, California | 1 | $ 195,000 | $ 195,000 | $ 175,000 |
| Citrus, Florida | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Clay, Florida | 1 | $ 125,000 | $ 125,000 | $ 177,000 |
| Hillsborough, Florida | 1 | $ 295,000 | $ 295,000 | $ 102,000 |
| Indian River, Florida | 1 | $ 205,000 | $ 205,000 | $ 200,000 |
| Palm Beach, Florida | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Pinellas, Florida | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Effingham, Illinois | 1 | $ 225,000 | $ 225,000 | $ 175,000 |
| Franklin, Illinois | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Hancock, Illinois | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Henry, Illinois | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Iroquois, Illinois | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Madison, Illinois | 1 | $ 115,000 | $ 115,000 | $ 165,000 |
| Menard, Illinois | 1 | $ 115,000 | $ 115,000 | $ 75,000 |
| St. Clair, Illinois | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Stark, Illinois | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Stephenson, Illinois | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| Clark, Indiana | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| St. Joseph, Indiana | 1 | $ 355,000 | $ 355,000 | $ 1,160,000 |
| Polk, Iowa | 1 | $ 325,000 | $ 325,000 | $ 174,000 |
| Livingston, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 169,000 |
| Marshall, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 202,000 |
| Berrien, Michigan | 1 | $ 195,000 | $ 195,000 | $ 285,000 |
| Cass, Michigan | 1 | $ 325,000 | $ 325,000 | $ 988,000 |
| Livingston, Michigan | 1 | $ 495,000 | $ 495,000 | $ 285,000 |
| Benton, Missouri | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Cole, Missouri | 1 | $ 205,000 | $ 205,000 | $ 181,000 |
| Lewis, Missouri | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| St. Louis, Missouri | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Cape May, New Jersey | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Durham, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Davidson, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Williamson, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Dallas, Texas | 1 | $ 515,000 | $ 515,000 | $ 180,000 |
| Tarrant, Texas | 1 | $ 215,000 | $ 215,000 | $ 256,000 |
| Travis, Texas | 1 | $ 455,000 | $ 455,000 | $ 327,000 |
| Suffolk, Virginia | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Adams, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Barron, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 141,000 |
| Burnett, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Dane, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Dodge, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 117,000 |
| Jefferson, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Juneau, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| Rock, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Sauk, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Sheboygan, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Winnebago, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 166,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2020
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 | 1,092 | $204,010,000 | $186,000 | $2,385,000 | $144,000 | $2,700,000 |
| Cash-out Refinancing | 735 | $155,425,000 | $211,000 | $6,215,000 | $123,000 | $957,000 |
| Home Purchase | 556 | $102,310,000 | $184,000 | $2,355,000 | $109,000 | $900,000 |
| Other Purpose | 33 | $4,075,000 | $123,000 | $515,000 | $219,000 | $2,265,000 |
| Home Improvement | 19 | $1,755,000 | $92,000 | $245,000 | $112,000 | $297,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $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 | 1,962 | $338,760,000 | $172,000 | $905,000 | $131,000 | $2,700,000 |
| Not Provided | 173 | $30,735,000 | $177,000 | $515,000 | $143,000 | $653,000 |
| Not applicable | 135 | $71,165,000 | $527,000 | $6,215,000 | $0 | $0 |
| Hispanic | 60 | $8,440,000 | $140,000 | $565,000 | $85,000 | $242,000 |
| Asian | 44 | $7,940,000 | $180,000 | $365,000 | $117,000 | $266,000 |
| Black or African American | 33 | $4,775,000 | $144,000 | $445,000 | $129,000 | $692,000 |
| American Indian or Alaskan Native | 7 | $1,185,000 | $169,000 | $395,000 | $116,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,431 | $466,925,000 | $192,000 | $6,215,000 | $131,000 | $2,700,000 |
| FHA-insured (Federal Housing Administration) | 4 | $470,000 | $117,000 | $155,000 | $48,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $101,000 | $101,000 |
| 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 | 1,779 | $356,195,000 | $200,000 | $6,215,000 | $133,000 | $2,265,000 |
| Application Withdrawn By Applicant | 307 | $53,065,000 | $172,000 | $635,000 | $154,000 | $2,700,000 |
| Application Denied By Financial Institution | 224 | $36,880,000 | $164,000 | $565,000 | $87,000 | $653,000 |
| Application Approved But Not Accepted | 124 | $21,330,000 | $172,000 | $515,000 | $122,000 | $415,000 |
| Loan Purchased By The Institution | 2 | $110,000 | $55,000 | $105,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,212 | $430,700,000 | $194,000 | $6,215,000 | $136,000 | $2,700,000 |
| Debt-To-Income Ratio | 115 | $21,455,000 | $186,000 | $565,000 | $71,000 | $447,000 |
| Credit History | 74 | $9,590,000 | $129,000 | $415,000 | $103,000 | $550,000 |
| Collateral | 28 | $5,270,000 | $188,000 | $455,000 | $115,000 | $653,000 |
| Other | 6 | $450,000 | $75,000 | $95,000 | $61,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $49,000 | $49,000 |
| 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 2020 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