Heartland Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Heartland Bank And Trust Company 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Heartland Bank And Trust Company 401 N Hershey Rd Bloomington, IL 61704 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,159 |
| Total Mortgage Loan Application Amount | $380,925,000 |
| Average Mortgage Loan Application Amount | $151,800 |
| Highest Mortgage Loan Application Amount | $6,755,000 |
| Average Applicant Income | $116,800 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Heartland Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Heartland Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Heartland Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Heartland Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Heartland Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Heartland Bank And Trust Company's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McLean County Illinois | 351 | $ 54,455,000 | $ 155,000 | $ 129,000 |
| Champaign County Illinois | 161 | $ 24,635,000 | $ 153,000 | $ 114,000 |
| Cook County Illinois | 141 | $ 58,305,000 | $ 413,000 | $ 172,000 |
| Tazewell County Illinois | 91 | $ 10,695,000 | $ 117,000 | $ 96,000 |
| Bureau County Illinois | 90 | $ 9,060,000 | $ 100,000 | $ 65,000 |
| DeKalb County Illinois | 79 | $ 15,415,000 | $ 195,000 | $ 116,000 |
| Woodford County Illinois | 74 | $ 11,900,000 | $ 160,000 | $ 109,000 |
| LaSalle County Illinois | 66 | $ 8,210,000 | $ 124,000 | $ 73,000 |
| Wabash County Illinois | 62 | $ 7,650,000 | $ 123,000 | $ 69,000 |
| Logan County Illinois | 60 | $ 6,860,000 | $ 114,000 | $ 110,000 |
| Jefferson County Illinois | 58 | $ 7,650,000 | $ 131,000 | $ 81,000 |
| Will County Illinois | 56 | $ 8,450,000 | $ 150,000 | $ 128,000 |
| Macon County Illinois | 53 | $ 7,025,000 | $ 132,000 | $ 82,000 |
| Peoria County Illinois | 49 | $ 6,585,000 | $ 134,000 | $ 100,000 |
| DuPage County Illinois | 43 | $ 10,895,000 | $ 253,000 | $ 235,000 |
| Kendall County Illinois | 39 | $ 7,955,000 | $ 203,000 | $ 136,000 |
| De Witt County Illinois | 37 | $ 5,115,000 | $ 138,000 | $ 97,000 |
| Lake County Illinois | 34 | $ 5,560,000 | $ 163,000 | $ 119,000 |
| Kane County Illinois | 33 | $ 8,605,000 | $ 260,000 | $ 89,000 |
| Ford County Illinois | 27 | $ 3,575,000 | $ 132,000 | $ 91,000 |
| White County Illinois | 26 | $ 2,940,000 | $ 113,000 | $ 71,000 |
| Washington County Illinois | 22 | $ 4,270,000 | $ 194,000 | $ 136,000 |
| Livingston County Illinois | 21 | $ 2,825,000 | $ 134,000 | $ 107,000 |
| Williamson County Illinois | 21 | $ 2,475,000 | $ 117,000 | $ 98,000 |
| Coles County Illinois | 20 | $ 2,610,000 | $ 130,000 | $ 77,000 |
| Effingham County Illinois | 20 | $ 3,030,000 | $ 151,000 | $ 82,000 |
| Vermilion County Illinois | 19 | $ 1,655,000 | $ 87,000 | $ 69,000 |
| Marion County Illinois | 18 | $ 2,340,000 | $ 130,000 | $ 103,000 |
| Clinton County Illinois | 15 | $ 1,985,000 | $ 132,000 | $ 88,000 |
| Grundy County Illinois | 15 | $ 3,005,000 | $ 200,000 | $ 92,000 |
| Piatt County Illinois | 15 | $ 3,155,000 | $ 210,000 | $ 171,000 |
| Putnam County Illinois | 15 | $ 1,715,000 | $ 114,000 | $ 57,000 |
| Montgomery County Illinois | 14 | $ 2,090,000 | $ 149,000 | $ 107,000 |
| Marshall County Illinois | 13 | $ 1,175,000 | $ 90,000 | $ 59,000 |
| McHenry County Illinois | 13 | $ 2,455,000 | $ 188,000 | $ 153,000 |
| Clay County Illinois | 12 | $ 1,520,000 | $ 126,000 | $ 65,000 |
| Union County Illinois | 12 | $ 2,170,000 | $ 180,000 | $ 106,000 |
| Christian County Illinois | 11 | $ 1,325,000 | $ 120,000 | $ 83,000 |
| Edgar County Illinois | 10 | $ 730,000 | $ 73,000 | $ 79,000 |
| Kenosha County Wisconsin | 9 | $ 875,000 | $ 97,000 | $ 81,000 |
| Douglas County Illinois | 8 | $ 740,000 | $ 92,000 | $ 65,000 |
| Fayette County Illinois | 8 | $ 900,000 | $ 112,000 | $ 79,000 |
| Franklin County Illinois | 8 | $ 890,000 | $ 111,000 | $ 71,000 |
| McDonough County Illinois | 8 | $ 750,000 | $ 93,000 | $ 62,000 |
| Iroquois County Illinois | 7 | $ 945,000 | $ 135,000 | $ 51,000 |
| Shelby County Illinois | 7 | $ 975,000 | $ 139,000 | $ 83,000 |
| Johnson County Illinois | 6 | $ 890,000 | $ 148,000 | $ 138,000 |
| Warren County Illinois | 6 | $ 840,000 | $ 140,000 | $ 94,000 |
| Gibson County Indiana | 6 | $ 870,000 | $ 145,000 | $ 54,000 |
| Camden County Missouri | 6 | $ 1,910,000 | $ 318,000 | $ 277,000 |
| Pasco County Florida | 5 | $ 925,000 | $ 185,000 | $ 80,000 |
| Edwards County Illinois | 5 | $ 555,000 | $ 111,000 | $ 53,000 |
| Fulton County Illinois | 5 | $ 745,000 | $ 149,000 | $ 75,000 |
| Jackson County Illinois | 5 | $ 385,000 | $ 77,000 | $ 76,000 |
| Mason County Illinois | 5 | $ 475,000 | $ 95,000 | $ 66,000 |
| Collier County Florida | 4 | $ 820,000 | $ 205,000 | $ 342,000 |
| Lee County Florida | 4 | $ 8,200,000 | $ 2,050,000 | $ 150,000 |
| Lawrence County Illinois | 4 | $ 720,000 | $ 180,000 | $ 69,000 |
| St. Clair County Illinois | 4 | $ 710,000 | $ 177,000 | $ 78,000 |
| Stark County Illinois | 4 | $ 390,000 | $ 97,000 | $ 58,000 |
| Vanderburgh County Indiana | 4 | $ 740,000 | $ 185,000 | $ 122,000 |
| Cumberland County Illinois | 3 | $ 395,000 | $ 131,000 | $ 77,000 |
| Jasper County Illinois | 3 | $ 335,000 | $ 111,000 | $ 91,000 |
| Kankakee County Illinois | 3 | $ 535,000 | $ 178,000 | $ 84,000 |
| Moultrie County Illinois | 3 | $ 405,000 | $ 135,000 | $ 78,000 |
| Sangamon County Illinois | 3 | $ 475,000 | $ 158,000 | $ 26,000 |
| LaPorte County Indiana | 3 | $ 915,000 | $ 305,000 | $ 227,000 |
| Black Hawk County Iowa | 3 | $ 1,245,000 | $ 415,000 | $ 0 |
| Berrien County Michigan | 3 | $ 965,000 | $ 321,000 | $ 161,000 |
| Baldwin County Alabama | 2 | $ 510,000 | $ 255,000 | $ 124,000 |
| Maricopa County Arizona | 2 | $ 400,000 | $ 200,000 | $ 116,000 |
| Palm Beach County Florida | 2 | $ 1,880,000 | $ 940,000 | $ 803,000 |
| Sarasota County Florida | 2 | $ 220,000 | $ 110,000 | $ 226,000 |
| Bond County Illinois | 2 | $ 370,000 | $ 185,000 | $ 90,000 |
| Clark County Illinois | 2 | $ 240,000 | $ 120,000 | $ 49,000 |
| Henderson County Illinois | 2 | $ 290,000 | $ 145,000 | $ 59,000 |
| Lee County Illinois | 2 | $ 600,000 | $ 300,000 | $ 93,000 |
| Richland County Illinois | 2 | $ 180,000 | $ 90,000 | $ 44,000 |
| Wayne County Illinois | 2 | $ 290,000 | $ 145,000 | $ 73,000 |
| Hamilton County Indiana | 2 | $ 400,000 | $ 200,000 | $ 133,000 |
| Lake County Indiana | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| Vermillion County Indiana | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Henry County Iowa | 2 | $ 130,000 | $ 65,000 | $ 33,000 |
| Johnson County Iowa | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Scott County Iowa | 2 | $ 250,000 | $ 125,000 | $ 53,000 |
| Jackson County Missouri | 2 | $ 530,000 | $ 265,000 | $ 185,000 |
| St. Louis City County Missouri | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Walworth County Wisconsin | 2 | $ 830,000 | $ 415,000 | $ 726,000 |
| Pinal County Arizona | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Riverside County California | 1 | $ 1,485,000 | $ 1,485,000 | $ 0 |
| San Diego County California | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Summit County Colorado | 1 | $ 1,745,000 | $ 1,745,000 | $ 0 |
| Broward County Florida | 1 | $ 1,685,000 | $ 1,685,000 | $ 3,600,000 |
| Charlotte County Florida | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Clay County Florida | 1 | $ 125,000 | $ 125,000 | $ 179,000 |
| Hillsborough County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Manatee County Florida | 1 | $ 655,000 | $ 655,000 | $ 1,786,000 |
| Okaloosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 261,000 |
| Orange County Florida | 1 | $ 535,000 | $ 535,000 | $ 1,414,000 |
| Pinellas County Florida | 1 | $ 65,000 | $ 65,000 | $ 151,000 |
| St. Johns County Florida | 1 | $ 255,000 | $ 255,000 | $ 181,000 |
| Walton County Florida | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Adams County Illinois | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Crawford County Illinois | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Gallatin County Illinois | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Hamilton County Illinois | 1 | $ 225,000 | $ 225,000 | $ 196,000 |
| Henry County Illinois | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Jo Daviess County Illinois | 1 | $ 75,000 | $ 75,000 | $ 178,000 |
| Madison County Illinois | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Morgan County Illinois | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Pope County Illinois | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Whiteside County Illinois | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Howard County Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Knox County Indiana | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| Monroe County Indiana | 1 | $ 545,000 | $ 545,000 | $ 262,000 |
| Posey County Indiana | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| St. Joseph County Indiana | 1 | $ 305,000 | $ 305,000 | $ 344,000 |
| Dallas County Iowa | 1 | $ 545,000 | $ 545,000 | $ 204,000 |
| Jefferson County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Russell County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Charlevoix County Michigan | 1 | $ 735,000 | $ 735,000 | $ 713,000 |
| Grand Traverse County Michigan | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Van Buren County Michigan | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Cass County Missouri | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| St. Charles County Missouri | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Essex County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Cherokee County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Mecklenburg County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 168,000 |
| Vance County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 156,000 |
| Allegheny County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Campbell County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 273,000 |
| Davidson County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Henry County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Knox County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Shelby County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Collin County Texas | 1 | $ 545,000 | $ 545,000 | $ 662,000 |
| Jefferson County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Marquette County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 138,000 |
| Milwaukee County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Waushara County Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 196,000 |
Mortgage Loan Application Detail Totals for Heartland Bank And Trust Company in 2021
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 | 924 | $164,100,000 | $177,000 | $6,755,000 | $97,000 | $1,548,000 |
| Cash-out Refinancing | 601 | $106,355,000 | $176,000 | $4,505,000 | $118,000 | $3,600,000 |
| Refinancing | 555 | $101,145,000 | $182,000 | $3,205,000 | $126,000 | $1,656,000 |
| Other Purpose | 53 | $6,825,000 | $128,000 | $535,000 | $165,000 | $1,414,000 |
| Home Improvement | 26 | $2,500,000 | $96,000 | $325,000 | $78,000 | $202,000 |
| 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 | 1,725 | $268,075,000 | $155,000 | $3,205,000 | $110,000 | $3,600,000 |
| Not applicable | 170 | $68,860,000 | $405,000 | $6,755,000 | $0 | $0 |
| Not Provided | 164 | $28,830,000 | $175,000 | $1,995,000 | $147,000 | $1,656,000 |
| Hispanic | 42 | $5,310,000 | $126,000 | $395,000 | $87,000 | $412,000 |
| Black or African American | 38 | $6,620,000 | $174,000 | $725,000 | $129,000 | $525,000 |
| Asian | 18 | $2,970,000 | $165,000 | $335,000 | $90,000 | $486,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $165,000 | $76,000 | $103,000 |
| 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) | 2,032 | $367,290,000 | $180,000 | $6,755,000 | $117,000 | $3,600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 106 | $10,320,000 | $97,000 | $245,000 | $48,000 | $99,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,910,000 | $145,000 | $325,000 | $70,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 1 | $405,000 | $405,000 | $405,000 | $192,000 | $192,000 |
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 | 1,120 | $227,640,000 | $203,000 | $6,755,000 | $119,000 | $1,786,000 |
| Loan Purchased By The Institution | 501 | $66,395,000 | $132,000 | $1,155,000 | $85,000 | $776,000 |
| Application Withdrawn By Applicant | 243 | $45,215,000 | $186,000 | $1,685,000 | $166,000 | $3,600,000 |
| Application Denied By Financial Institution | 171 | $24,695,000 | $144,000 | $945,000 | $84,000 | $1,154,000 |
| Application Approved But Not Accepted | 124 | $16,980,000 | $136,000 | $545,000 | $108,000 | $1,160,000 |
| File Closed For Incompleteness | 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 | 1,988 | $356,230,000 | $179,000 | $6,755,000 | $115,000 | $3,600,000 |
| Credit History | 76 | $9,500,000 | $125,000 | $545,000 | $87,000 | $412,000 |
| Debt-To-Income Ratio | 74 | $12,490,000 | $168,000 | $945,000 | $74,000 | $1,154,000 |
| Collateral | 11 | $1,755,000 | $159,000 | $415,000 | $99,000 | $155,000 |
| Other | 7 | $745,000 | $106,000 | $155,000 | $156,000 | $422,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $100,000 | $50,000 | $55,000 | $49,000 | $54,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $80,000 | $80,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 And Trust Company's 2021 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 And 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.