Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Heartland Bank & Trust Company of Bloomington, IL reported 965 mortgage applications totaling $206.0 million, down 55% from 2021. The average application was for $213,487, and applicants reported an average income of $118,345. 58% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Naperville, IL (147), Bloomington, IL (142) and Peoria, IL (112) (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 | 965 |
| Total Mortgage Loan Application Amount | $206,015,000 |
| Average Mortgage Loan Application Amount | $213,487 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $118,345 |
| Highest Applicant Income | $3,086,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 142 | $ 23,180,000 | $ 163,239 | $ 136,000 |
| Cook, Illinois | 92 | $ 28,170,000 | $ 306,195 | $ 217,000 |
| Champaign, Illinois | 76 | $ 11,140,000 | $ 146,578 | $ 104,000 |
| Bureau, Illinois | 58 | $ 5,220,000 | $ 90,000 | $ 67,000 |
| LaSalle, Illinois | 45 | $ 4,505,000 | $ 100,111 | $ 61,000 |
| Tazewell, Illinois | 41 | $ 5,055,000 | $ 123,292 | $ 129,000 |
| Logan, Illinois | 36 | $ 3,410,000 | $ 94,722 | $ 69,000 |
| DeKalb, Illinois | 35 | $ 5,095,000 | $ 145,571 | $ 107,000 |
| Wabash, Illinois | 31 | $ 4,255,000 | $ 137,258 | $ 65,000 |
| Macon, Illinois | 29 | $ 3,345,000 | $ 115,344 | $ 84,000 |
| Woodford, Illinois | 29 | $ 3,925,000 | $ 135,344 | $ 94,000 |
| Peoria, Illinois | 28 | $ 4,110,000 | $ 146,785 | $ 85,000 |
| Will, Illinois | 23 | $ 18,185,000 | $ 790,652 | $ 110,000 |
| De Witt, Illinois | 18 | $ 2,930,000 | $ 162,777 | $ 123,000 |
| Kendall, Illinois | 18 | $ 3,450,000 | $ 191,666 | $ 100,000 |
| Lake, Illinois | 16 | $ 5,040,000 | $ 315,000 | $ 108,000 |
| Vermilion, Illinois | 16 | $ 1,720,000 | $ 107,500 | $ 69,000 |
| White, Illinois | 16 | $ 2,050,000 | $ 128,125 | $ 66,000 |
| DuPage, Illinois | 15 | $ 4,765,000 | $ 317,666 | $ 352,000 |
| Ford, Illinois | 10 | $ 1,130,000 | $ 113,000 | $ 69,000 |
| McHenry, Illinois | 9 | $ 1,625,000 | $ 180,555 | $ 133,000 |
| Grundy, Illinois | 8 | $ 1,300,000 | $ 162,500 | $ 69,000 |
| Johnson, Iowa | 8 | $ 1,230,000 | $ 153,750 | $ 308,000 |
| Kane, Illinois | 7 | $ 1,005,000 | $ 143,571 | $ 240,000 |
| Marshall, Illinois | 7 | $ 805,000 | $ 115,000 | $ 111,000 |
| Linn, Iowa | 6 | $ 1,750,000 | $ 291,666 | $ 398,000 |
| Piatt, Illinois | 5 | $ 555,000 | $ 111,000 | $ 135,000 |
| Kenosha, Wisconsin | 5 | $ 1,375,000 | $ 275,000 | $ 101,000 |
| Clay, Illinois | 4 | $ 480,000 | $ 120,000 | $ 44,000 |
| Coles, Illinois | 4 | $ 580,000 | $ 145,000 | $ 69,000 |
| Douglas, Illinois | 4 | $ 410,000 | $ 102,500 | $ 68,000 |
| Fulton, Illinois | 4 | $ 450,000 | $ 112,500 | $ 123,000 |
| Lawrence, Illinois | 4 | $ 360,000 | $ 90,000 | $ 55,000 |
| Montgomery, Illinois | 4 | $ 770,000 | $ 192,500 | $ 112,000 |
| Sangamon, Illinois | 4 | $ 460,000 | $ 115,000 | $ 117,000 |
| Scott, Iowa | 4 | $ 620,000 | $ 155,000 | $ 260,000 |
| Pinal, Arizona | 3 | $ 1,215,000 | $ 405,000 | $ 196,000 |
| Orange, Florida | 3 | $ 1,825,000 | $ 608,333 | $ 939,000 |
| Crawford, Illinois | 3 | $ 365,000 | $ 121,666 | $ 67,000 |
| Edgar, Illinois | 3 | $ 225,000 | $ 75,000 | $ 43,000 |
| Edwards, Illinois | 3 | $ 225,000 | $ 75,000 | $ 35,000 |
| Effingham, Illinois | 3 | $ 505,000 | $ 168,333 | $ 65,000 |
| Fayette, Illinois | 3 | $ 385,000 | $ 128,333 | $ 73,000 |
| Ogle, Illinois | 3 | $ 535,000 | $ 178,333 | $ 245,000 |
| Putnam, Illinois | 3 | $ 295,000 | $ 98,333 | $ 78,000 |
| Stark, Illinois | 3 | $ 255,000 | $ 85,000 | $ 80,000 |
| Wayne, Illinois | 3 | $ 285,000 | $ 95,000 | $ 59,000 |
| Williamson, Illinois | 3 | $ 695,000 | $ 231,666 | $ 90,000 |
| Maricopa, Arizona | 2 | $ 1,170,000 | $ 585,000 | $ 642,000 |
| Broward, Florida | 2 | $ 2,260,000 | $ 1,130,000 | $ 1,625,000 |
| Sarasota, Florida | 2 | $ 1,050,000 | $ 525,000 | $ 488,000 |
| Clark, Illinois | 2 | $ 180,000 | $ 90,000 | $ 33,000 |
| Gallatin, Illinois | 2 | $ 210,000 | $ 105,000 | $ 72,000 |
| Iroquois, Illinois | 2 | $ 170,000 | $ 85,000 | $ 44,000 |
| Jefferson, Illinois | 2 | $ 260,000 | $ 130,000 | $ 155,000 |
| Jo Daviess, Illinois | 2 | $ 410,000 | $ 205,000 | $ 246,000 |
| Mason, Illinois | 2 | $ 330,000 | $ 165,000 | $ 149,000 |
| Moultrie, Illinois | 2 | $ 210,000 | $ 105,000 | $ 44,000 |
| Richland, Illinois | 2 | $ 220,000 | $ 110,000 | $ 44,000 |
| Black Hawk, Iowa | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Jefferson, Kentucky | 2 | $ 360,000 | $ 180,000 | $ 56,000 |
| Dallas, Texas | 2 | $ 860,000 | $ 430,000 | $ 300,000 |
| Charlotte, Florida | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Collier, Florida | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Pasco, Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Pinellas, Florida | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Douglas, Georgia | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Boone, Illinois | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Christian, Illinois | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Clinton, Illinois | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Hamilton, Illinois | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Henry, Illinois | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Jackson, Illinois | 1 | $ 75,000 | $ 75,000 | $ 183,000 |
| Jasper, Illinois | 1 | $ 95,000 | $ 95,000 | $ 163,000 |
| Livingston, Illinois | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Macoupin, Illinois | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Morgan, Illinois | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Perry, Illinois | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Rock Island, Illinois | 1 | $ 16,005,000 | $ 16,005,000 | $ 0 |
| Stephenson, Illinois | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Washington, Illinois | 1 | $ 295,000 | $ 295,000 | $ 143,000 |
| Gibson, Indiana | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Marion, Indiana | 1 | $ 455,000 | $ 455,000 | $ 238,000 |
| Monroe, Indiana | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Posey, Indiana | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Putnam, Indiana | 1 | $ 225,000 | $ 225,000 | $ 63,000 |
| St. Joseph, Indiana | 1 | $ 11,005,000 | $ 11,005,000 | $ 0 |
| Polk, Iowa | 1 | $ 485,000 | $ 485,000 | $ 198,000 |
| Johnson, Kansas | 1 | $ 395,000 | $ 395,000 | $ 2,539,000 |
| Berrien, Michigan | 1 | $ 145,000 | $ 145,000 | $ 300,000 |
| Camden, Missouri | 1 | $ 385,000 | $ 385,000 | $ 590,000 |
| Delaware, Ohio | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Davidson, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 50,000 |
| Henry, Tennessee | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Harris, Texas | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Adams, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 121,000 |
| Racine, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Vilas, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Walworth, Wisconsin | 1 | $ 765,000 | $ 765,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2022
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 | 619 | $145,765,000 | $235,000 | $16,005,000 | $110,000 | $2,539,000 |
| Cash-out Refinancing | 143 | $25,475,000 | $178,000 | $1,835,000 | $115,000 | $771,000 |
| Refinancing | 110 | $21,790,000 | $198,000 | $1,375,000 | $139,000 | $1,200,000 |
| Other Purpose | 86 | $12,180,000 | $141,000 | $1,795,000 | $161,000 | $3,086,000 |
| Home Improvement | 7 | $805,000 | $115,000 | $405,000 | $76,000 | $123,000 |
| 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 | 693 | $105,215,000 | $151,000 | $1,795,000 | $116,000 | $3,086,000 |
| Not applicable | 153 | $80,145,000 | $523,000 | $16,005,000 | $0 | $0 |
| Not Provided | 54 | $8,930,000 | $165,000 | $645,000 | $125,000 | $902,000 |
| Hispanic | 32 | $3,530,000 | $110,000 | $335,000 | $94,000 | $565,000 |
| Black or African American | 17 | $3,225,000 | $189,000 | $485,000 | $140,000 | $488,000 |
| Asian | 10 | $2,760,000 | $276,000 | $1,005,000 | $324,000 | $1,200,000 |
| American Indian or Alaskan Native | 5 | $625,000 | $125,000 | $255,000 | $48,000 | $70,000 |
| 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) | 914 | $200,660,000 | $219,000 | $16,005,000 | $124,000 | $3,086,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $3,940,000 | $98,000 | $165,000 | $47,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,415,000 | $128,000 | $215,000 | $63,000 | $113,000 |
| 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 | 564 | $148,760,000 | $263,000 | $16,005,000 | $140,000 | $3,086,000 |
| Loan Purchased By The Institution | 118 | $15,560,000 | $131,000 | $505,000 | $72,000 | $250,000 |
| Application Withdrawn By Applicant | 109 | $18,555,000 | $170,000 | $645,000 | $152,000 | $1,724,000 |
| Application Denied By Financial Institution | 101 | $12,555,000 | $124,000 | $1,585,000 | $81,000 | $1,200,000 |
| Application Approved But Not Accepted | 73 | $10,585,000 | $145,000 | $635,000 | $89,000 | $350,000 |
| 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 | 864 | $193,460,000 | $223,000 | $16,005,000 | $125,000 | $3,086,000 |
| Credit History | 56 | $7,820,000 | $139,000 | $1,585,000 | $104,000 | $1,200,000 |
| Debt-To-Income Ratio | 28 | $3,300,000 | $117,000 | $455,000 | $39,000 | $80,000 |
| Other | 8 | $660,000 | $82,000 | $155,000 | $58,000 | $121,000 |
| Collateral | 5 | $325,000 | $65,000 | $105,000 | $134,000 | $257,000 |
| Unverifiable Information | 2 | $170,000 | $85,000 | $115,000 | $45,000 | $48,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $45,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $82,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2022 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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