Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Heartland Bank & Trust Company of Bloomington, IL reported 2,159 mortgage applications totaling $380.9 million, down 11% from 2020. The average application was for $176,435, and applicants reported an average income of $111,741. 52% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Bloomington, IL (351), Chicago-Naperville, IL (268) and Peoria, IL (236) (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 | 2,159 |
| Total Mortgage Loan Application Amount | $380,925,000 |
| Average Mortgage Loan Application Amount | $176,435 |
| Highest Mortgage Loan Application Amount | $6,755,000 |
| Average Applicant Income | $111,741 |
| Highest Applicant Income | $3,600,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 351 | $ 54,455,000 | $ 155,142 | $ 129,000 |
| Champaign, Illinois | 161 | $ 24,635,000 | $ 153,012 | $ 114,000 |
| Cook, Illinois | 141 | $ 58,305,000 | $ 413,510 | $ 172,000 |
| Tazewell, Illinois | 91 | $ 10,695,000 | $ 117,527 | $ 96,000 |
| Bureau, Illinois | 90 | $ 9,060,000 | $ 100,666 | $ 65,000 |
| DeKalb, Illinois | 79 | $ 15,415,000 | $ 195,126 | $ 116,000 |
| Woodford, Illinois | 74 | $ 11,900,000 | $ 160,810 | $ 109,000 |
| LaSalle, Illinois | 66 | $ 8,210,000 | $ 124,393 | $ 73,000 |
| Wabash, Illinois | 62 | $ 7,650,000 | $ 123,387 | $ 69,000 |
| Logan, Illinois | 60 | $ 6,860,000 | $ 114,333 | $ 110,000 |
| Jefferson, Illinois | 58 | $ 7,650,000 | $ 131,896 | $ 81,000 |
| Will, Illinois | 56 | $ 8,450,000 | $ 150,892 | $ 128,000 |
| Macon, Illinois | 53 | $ 7,025,000 | $ 132,547 | $ 82,000 |
| Peoria, Illinois | 49 | $ 6,585,000 | $ 134,387 | $ 100,000 |
| DuPage, Illinois | 43 | $ 10,895,000 | $ 253,372 | $ 235,000 |
| Kendall, Illinois | 39 | $ 7,955,000 | $ 203,974 | $ 136,000 |
| De Witt, Illinois | 37 | $ 5,115,000 | $ 138,243 | $ 97,000 |
| Lake, Illinois | 34 | $ 5,560,000 | $ 163,529 | $ 119,000 |
| Kane, Illinois | 33 | $ 8,605,000 | $ 260,757 | $ 89,000 |
| Ford, Illinois | 27 | $ 3,575,000 | $ 132,407 | $ 91,000 |
| White, Illinois | 26 | $ 2,940,000 | $ 113,076 | $ 71,000 |
| Washington, Illinois | 22 | $ 4,270,000 | $ 194,090 | $ 136,000 |
| Livingston, Illinois | 21 | $ 2,825,000 | $ 134,523 | $ 107,000 |
| Williamson, Illinois | 21 | $ 2,475,000 | $ 117,857 | $ 98,000 |
| Coles, Illinois | 20 | $ 2,610,000 | $ 130,500 | $ 77,000 |
| Effingham, Illinois | 20 | $ 3,030,000 | $ 151,500 | $ 82,000 |
| Vermilion, Illinois | 19 | $ 1,655,000 | $ 87,105 | $ 69,000 |
| Marion, Illinois | 18 | $ 2,340,000 | $ 130,000 | $ 103,000 |
| Clinton, Illinois | 15 | $ 1,985,000 | $ 132,333 | $ 88,000 |
| Grundy, Illinois | 15 | $ 3,005,000 | $ 200,333 | $ 92,000 |
| Piatt, Illinois | 15 | $ 3,155,000 | $ 210,333 | $ 171,000 |
| Putnam, Illinois | 15 | $ 1,715,000 | $ 114,333 | $ 57,000 |
| Montgomery, Illinois | 14 | $ 2,090,000 | $ 149,285 | $ 107,000 |
| Marshall, Illinois | 13 | $ 1,175,000 | $ 90,384 | $ 59,000 |
| McHenry, Illinois | 13 | $ 2,455,000 | $ 188,846 | $ 153,000 |
| Clay, Illinois | 12 | $ 1,520,000 | $ 126,666 | $ 65,000 |
| Union, Illinois | 12 | $ 2,170,000 | $ 180,833 | $ 106,000 |
| Christian, Illinois | 11 | $ 1,325,000 | $ 120,454 | $ 83,000 |
| Edgar, Illinois | 10 | $ 730,000 | $ 73,000 | $ 79,000 |
| Kenosha, Wisconsin | 9 | $ 875,000 | $ 97,222 | $ 81,000 |
| Douglas, Illinois | 8 | $ 740,000 | $ 92,500 | $ 65,000 |
| Fayette, Illinois | 8 | $ 900,000 | $ 112,500 | $ 79,000 |
| Franklin, Illinois | 8 | $ 890,000 | $ 111,250 | $ 71,000 |
| McDonough, Illinois | 8 | $ 750,000 | $ 93,750 | $ 62,000 |
| Iroquois, Illinois | 7 | $ 945,000 | $ 135,000 | $ 51,000 |
| Shelby, Illinois | 7 | $ 975,000 | $ 139,285 | $ 83,000 |
| Johnson, Illinois | 6 | $ 890,000 | $ 148,333 | $ 138,000 |
| Warren, Illinois | 6 | $ 840,000 | $ 140,000 | $ 94,000 |
| Gibson, Indiana | 6 | $ 870,000 | $ 145,000 | $ 54,000 |
| Camden, Missouri | 6 | $ 1,910,000 | $ 318,333 | $ 277,000 |
| Pasco, Florida | 5 | $ 925,000 | $ 185,000 | $ 80,000 |
| Edwards, Illinois | 5 | $ 555,000 | $ 111,000 | $ 53,000 |
| Fulton, Illinois | 5 | $ 745,000 | $ 149,000 | $ 75,000 |
| Jackson, Illinois | 5 | $ 385,000 | $ 77,000 | $ 76,000 |
| Mason, Illinois | 5 | $ 475,000 | $ 95,000 | $ 66,000 |
| Collier, Florida | 4 | $ 820,000 | $ 205,000 | $ 342,000 |
| Lee, Florida | 4 | $ 8,200,000 | $ 2,050,000 | $ 150,000 |
| Lawrence, Illinois | 4 | $ 720,000 | $ 180,000 | $ 69,000 |
| St. Clair, Illinois | 4 | $ 710,000 | $ 177,500 | $ 78,000 |
| Stark, Illinois | 4 | $ 390,000 | $ 97,500 | $ 58,000 |
| Vanderburgh, Indiana | 4 | $ 740,000 | $ 185,000 | $ 122,000 |
| Cumberland, Illinois | 3 | $ 395,000 | $ 131,666 | $ 77,000 |
| Jasper, Illinois | 3 | $ 335,000 | $ 111,666 | $ 91,000 |
| Kankakee, Illinois | 3 | $ 535,000 | $ 178,333 | $ 84,000 |
| Moultrie, Illinois | 3 | $ 405,000 | $ 135,000 | $ 78,000 |
| Sangamon, Illinois | 3 | $ 475,000 | $ 158,333 | $ 26,000 |
| LaPorte, Indiana | 3 | $ 915,000 | $ 305,000 | $ 227,000 |
| Black Hawk, Iowa | 3 | $ 1,245,000 | $ 415,000 | $ 0 |
| Berrien, Michigan | 3 | $ 965,000 | $ 321,666 | $ 161,000 |
| Baldwin, Alabama | 2 | $ 510,000 | $ 255,000 | $ 124,000 |
| Maricopa, Arizona | 2 | $ 400,000 | $ 200,000 | $ 116,000 |
| Palm Beach, Florida | 2 | $ 1,880,000 | $ 940,000 | $ 803,000 |
| Sarasota, Florida | 2 | $ 220,000 | $ 110,000 | $ 226,000 |
| Bond, Illinois | 2 | $ 370,000 | $ 185,000 | $ 90,000 |
| Clark, Illinois | 2 | $ 240,000 | $ 120,000 | $ 49,000 |
| Henderson, Illinois | 2 | $ 290,000 | $ 145,000 | $ 59,000 |
| Lee, Illinois | 2 | $ 600,000 | $ 300,000 | $ 93,000 |
| Richland, Illinois | 2 | $ 180,000 | $ 90,000 | $ 44,000 |
| Wayne, Illinois | 2 | $ 290,000 | $ 145,000 | $ 73,000 |
| Hamilton, Indiana | 2 | $ 400,000 | $ 200,000 | $ 133,000 |
| Lake, Indiana | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| Vermillion, Indiana | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Henry, Iowa | 2 | $ 130,000 | $ 65,000 | $ 33,000 |
| Johnson, Iowa | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Scott, Iowa | 2 | $ 250,000 | $ 125,000 | $ 53,000 |
| Jackson, Missouri | 2 | $ 530,000 | $ 265,000 | $ 185,000 |
| St. Louis City, Missouri | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Walworth, Wisconsin | 2 | $ 830,000 | $ 415,000 | $ 726,000 |
| Pinal, Arizona | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Riverside, California | 1 | $ 1,485,000 | $ 1,485,000 | $ 0 |
| San Diego, California | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Summit, Colorado | 1 | $ 1,745,000 | $ 1,745,000 | $ 0 |
| Broward, Florida | 1 | $ 1,685,000 | $ 1,685,000 | $ 3,600,000 |
| Charlotte, Florida | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Clay, Florida | 1 | $ 125,000 | $ 125,000 | $ 179,000 |
| Hillsborough, Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Manatee, Florida | 1 | $ 655,000 | $ 655,000 | $ 1,786,000 |
| Okaloosa, Florida | 1 | $ 135,000 | $ 135,000 | $ 261,000 |
| Orange, Florida | 1 | $ 535,000 | $ 535,000 | $ 1,414,000 |
| Pinellas, Florida | 1 | $ 65,000 | $ 65,000 | $ 151,000 |
| St. Johns, Florida | 1 | $ 255,000 | $ 255,000 | $ 181,000 |
| Walton, Florida | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Adams, Illinois | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Crawford, Illinois | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Gallatin, Illinois | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Hamilton, Illinois | 1 | $ 225,000 | $ 225,000 | $ 196,000 |
| Henry, Illinois | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Jo Daviess, Illinois | 1 | $ 75,000 | $ 75,000 | $ 178,000 |
| Madison, Illinois | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Morgan, Illinois | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Pope, Illinois | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Whiteside, Illinois | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Howard, Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Knox, Indiana | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| Monroe, Indiana | 1 | $ 545,000 | $ 545,000 | $ 262,000 |
| Posey, Indiana | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| St. Joseph, Indiana | 1 | $ 305,000 | $ 305,000 | $ 344,000 |
| Dallas, Iowa | 1 | $ 545,000 | $ 545,000 | $ 204,000 |
| Jefferson, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Russell, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Charlevoix, Michigan | 1 | $ 735,000 | $ 735,000 | $ 713,000 |
| Grand Traverse, Michigan | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Van Buren, Michigan | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Cass, Missouri | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| St. Charles, Missouri | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Essex, New Jersey | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Cherokee, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Mecklenburg, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 168,000 |
| Vance, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 156,000 |
| Allegheny, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Campbell, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 273,000 |
| Davidson, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Henry, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Knox, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Shelby, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Collin, Texas | 1 | $ 545,000 | $ 545,000 | $ 662,000 |
| Jefferson, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Marquette, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 138,000 |
| Milwaukee, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Waushara, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 196,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & 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 & 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 & 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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