Heartland Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Heartland Bank And Trust Company 2023 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 | 1,258 |
| Total Mortgage Loan Application Amount | $281,550,000 |
| Average Mortgage Loan Application Amount | $148,400 |
| Highest Mortgage Loan Application Amount | $26,005,000 |
| Average Applicant Income | $111,400 |
| Highest Applicant Income | $1,752,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sangamon County Illinois | 207 | $ 33,565,000 | $ 162,000 | $ 94,000 |
| McLean County Illinois | 109 | $ 19,715,000 | $ 180,000 | $ 118,000 |
| Macon County Illinois | 104 | $ 13,140,000 | $ 126,000 | $ 78,000 |
| Cook County Illinois | 89 | $ 67,405,000 | $ 757,000 | $ 162,000 |
| Madison County Illinois | 60 | $ 10,690,000 | $ 178,000 | $ 99,000 |
| Bureau County Illinois | 54 | $ 5,320,000 | $ 98,000 | $ 69,000 |
| Champaign County Illinois | 51 | $ 5,635,000 | $ 110,000 | $ 112,000 |
| Tazewell County Illinois | 43 | $ 4,895,000 | $ 113,000 | $ 103,000 |
| Christian County Illinois | 41 | $ 4,485,000 | $ 109,000 | $ 109,000 |
| Logan County Illinois | 30 | $ 3,110,000 | $ 103,000 | $ 115,000 |
| Peoria County Illinois | 27 | $ 3,795,000 | $ 140,000 | $ 134,000 |
| DeKalb County Illinois | 26 | $ 3,500,000 | $ 134,000 | $ 91,000 |
| LaSalle County Illinois | 26 | $ 3,630,000 | $ 139,000 | $ 119,000 |
| Morgan County Illinois | 19 | $ 2,305,000 | $ 121,000 | $ 83,000 |
| DuPage County Illinois | 18 | $ 5,570,000 | $ 309,000 | $ 355,000 |
| Macoupin County Illinois | 18 | $ 2,360,000 | $ 131,000 | $ 75,000 |
| Woodford County Illinois | 18 | $ 2,840,000 | $ 157,000 | $ 145,000 |
| Coles County Illinois | 16 | $ 2,100,000 | $ 131,000 | $ 93,000 |
| De Witt County Illinois | 15 | $ 1,775,000 | $ 118,000 | $ 79,000 |
| St. Clair County Illinois | 14 | $ 3,420,000 | $ 244,000 | $ 102,000 |
| Jersey County Illinois | 13 | $ 1,195,000 | $ 91,000 | $ 62,000 |
| Lake County Illinois | 13 | $ 2,535,000 | $ 195,000 | $ 177,000 |
| Kane County Illinois | 12 | $ 3,240,000 | $ 270,000 | $ 59,000 |
| Wabash County Illinois | 12 | $ 1,190,000 | $ 99,000 | $ 71,000 |
| Adams County Illinois | 9 | $ 1,315,000 | $ 146,000 | $ 95,000 |
| Effingham County Illinois | 9 | $ 1,455,000 | $ 161,000 | $ 70,000 |
| Fulton County Illinois | 9 | $ 715,000 | $ 79,000 | $ 63,000 |
| Will County Illinois | 9 | $ 8,825,000 | $ 980,000 | $ 305,000 |
| Kendall County Illinois | 8 | $ 1,340,000 | $ 167,000 | $ 115,000 |
| McHenry County Illinois | 8 | $ 1,580,000 | $ 197,000 | $ 111,000 |
| Pike County Illinois | 7 | $ 785,000 | $ 112,000 | $ 62,000 |
| Kenosha County Wisconsin | 6 | $ 610,000 | $ 101,000 | $ 77,000 |
| Sarasota County Florida | 5 | $ 1,995,000 | $ 399,000 | $ 226,000 |
| Livingston County Illinois | 5 | $ 1,495,000 | $ 299,000 | $ 127,000 |
| Johnson County Iowa | 5 | $ 4,695,000 | $ 939,000 | $ 576,000 |
| Ford County Illinois | 4 | $ 390,000 | $ 97,000 | $ 86,000 |
| Greene County Illinois | 4 | $ 370,000 | $ 92,000 | $ 77,000 |
| Grundy County Illinois | 4 | $ 1,020,000 | $ 255,000 | $ 87,000 |
| Marshall County Illinois | 4 | $ 530,000 | $ 132,000 | $ 56,000 |
| Menard County Illinois | 4 | $ 580,000 | $ 145,000 | $ 78,000 |
| Montgomery County Illinois | 4 | $ 270,000 | $ 67,000 | $ 85,000 |
| Piatt County Illinois | 4 | $ 430,000 | $ 107,000 | $ 95,000 |
| Vermilion County Illinois | 4 | $ 350,000 | $ 87,000 | $ 52,000 |
| Linn County Iowa | 4 | $ 350,000 | $ 87,000 | $ 179,000 |
| Stearns County Minnesota | 4 | $ 530,000 | $ 132,000 | $ 60,000 |
| Collier County Florida | 3 | $ 6,175,000 | $ 2,058,000 | $ 1,256,000 |
| Clay County Illinois | 3 | $ 105,000 | $ 35,000 | $ 107,000 |
| Clinton County Illinois | 3 | $ 645,000 | $ 215,000 | $ 78,000 |
| Fayette County Illinois | 3 | $ 325,000 | $ 108,000 | $ 42,000 |
| Marion County Illinois | 3 | $ 295,000 | $ 98,000 | $ 54,000 |
| Mason County Illinois | 3 | $ 175,000 | $ 58,000 | $ 44,000 |
| Putnam County Illinois | 3 | $ 205,000 | $ 68,000 | $ 64,000 |
| St. Charles County Missouri | 3 | $ 1,035,000 | $ 345,000 | $ 129,000 |
| Maricopa County Arizona | 2 | $ 610,000 | $ 305,000 | $ 132,000 |
| Indian River County Florida | 2 | $ 500,000 | $ 250,000 | $ 186,000 |
| Palm Beach County Florida | 2 | $ 5,370,000 | $ 2,685,000 | $ 1,706,000 |
| Pasco County Florida | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Boone County Illinois | 2 | $ 320,000 | $ 160,000 | $ 107,000 |
| Brown County Illinois | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Cass County Illinois | 2 | $ 230,000 | $ 115,000 | $ 64,000 |
| Douglas County Illinois | 2 | $ 130,000 | $ 65,000 | $ 53,000 |
| Iroquois County Illinois | 2 | $ 280,000 | $ 140,000 | $ 123,000 |
| Jackson County Illinois | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| Kankakee County Illinois | 2 | $ 440,000 | $ 220,000 | $ 119,000 |
| McDonough County Illinois | 2 | $ 310,000 | $ 155,000 | $ 132,000 |
| Moultrie County Illinois | 2 | $ 80,000 | $ 40,000 | $ 76,000 |
| Shelby County Illinois | 2 | $ 150,000 | $ 75,000 | $ 32,000 |
| White County Illinois | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Black Hawk County Iowa | 2 | $ 520,000 | $ 260,000 | $ 191,000 |
| Christian County Missouri | 2 | $ 500,000 | $ 250,000 | $ 118,000 |
| Price County Wisconsin | 2 | $ 280,000 | $ 140,000 | $ 127,000 |
| Walworth County Wisconsin | 2 | $ 1,130,000 | $ 565,000 | $ 473,000 |
| Morgan County Alabama | 1 | $ 245,000 | $ 245,000 | $ 275,000 |
| Yavapai County Arizona | 1 | $ 605,000 | $ 605,000 | $ 150,000 |
| Washington County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Los Angeles County California | 1 | $ 505,000 | $ 505,000 | $ 465,000 |
| Riverside County California | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Douglas County Colorado | 1 | $ 725,000 | $ 725,000 | $ 221,000 |
| Bay County Florida | 1 | $ 365,000 | $ 365,000 | $ 184,000 |
| Broward County Florida | 1 | $ 245,000 | $ 245,000 | $ 43,000 |
| Lee County Florida | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Carroll County Georgia | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Peach County Georgia | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Bond County Illinois | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Calhoun County Illinois | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Clark County Illinois | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Crawford County Illinois | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Edwards County Illinois | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Hancock County Illinois | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Henry County Illinois | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Jasper County Illinois | 1 | $ 655,000 | $ 655,000 | $ 174,000 |
| Jo Daviess County Illinois | 1 | $ 225,000 | $ 225,000 | $ 214,000 |
| Knox County Illinois | 1 | $ 305,000 | $ 305,000 | $ 860,000 |
| Lawrence County Illinois | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Pope County Illinois | 1 | $ 235,000 | $ 235,000 | $ 132,000 |
| Scott County Illinois | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Washington County Illinois | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Wayne County Illinois | 1 | $ 115,000 | $ 115,000 | $ 139,000 |
| Winnebago County Illinois | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Gibson County Indiana | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Knox County Indiana | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Berrien County Michigan | 1 | $ 14,005,000 | $ 14,005,000 | $ 0 |
| Chippewa County Michigan | 1 | $ 165,000 | $ 165,000 | $ 244,000 |
| Ingham County Michigan | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Oceana County Michigan | 1 | $ 275,000 | $ 275,000 | $ 279,000 |
| Wayne County Michigan | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Marion County Missouri | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| Pike County Missouri | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 345,000 | $ 345,000 | $ 107,000 |
| Shelby County Texas | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Jefferson County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 109,000 |
| Milwaukee County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 164,000 |
| Vilas County Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank And Trust Company in 2023
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 | 958 | $235,560,000 | $245,000 | $26,005,000 | $108,000 | $1,752,000 |
| Cash-out Refinancing | 165 | $30,655,000 | $185,000 | $7,635,000 | $99,000 | $395,000 |
| Other Purpose | 62 | $5,500,000 | $88,000 | $725,000 | $137,000 | $1,255,000 |
| Refinancing | 51 | $8,595,000 | $168,000 | $685,000 | $98,000 | $352,000 |
| Home Improvement | 22 | $1,240,000 | $56,000 | $205,000 | $115,000 | $280,000 |
| 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 | 947 | $154,895,000 | $163,000 | $4,755,000 | $109,000 | $1,752,000 |
| Not applicable | 154 | $103,240,000 | $670,000 | $26,005,000 | $0 | $0 |
| Not Provided | 64 | $9,470,000 | $147,000 | $445,000 | $135,000 | $860,000 |
| Hispanic | 42 | $4,960,000 | $118,000 | $285,000 | $59,000 | $127,000 |
| Black or African American | 36 | $5,980,000 | $166,000 | $455,000 | $83,000 | $230,000 |
| Asian | 8 | $1,910,000 | $238,000 | $415,000 | $229,000 | $576,000 |
| American Indian or Alaskan Native | 3 | $295,000 | $98,000 | $155,000 | $44,000 | $85,000 |
| 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) | 1,106 | $260,980,000 | $235,000 | $26,005,000 | $115,000 | $1,752,000 |
| FHA-insured (Federal Housing Administration) | 99 | $12,855,000 | $129,000 | $355,000 | $68,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $3,775,000 | $107,000 | $265,000 | $62,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,940,000 | $218,000 | $585,000 | $99,000 | $275,000 |
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 | 845 | $216,415,000 | $256,000 | $26,005,000 | $113,000 | $1,706,000 |
| Application Withdrawn By Applicant | 151 | $28,445,000 | $188,000 | $2,905,000 | $134,000 | $1,752,000 |
| Application Denied By Financial Institution | 130 | $16,730,000 | $128,000 | $725,000 | $70,000 | $517,000 |
| Application Approved But Not Accepted | 83 | $15,005,000 | $180,000 | $2,905,000 | $113,000 | $1,379,000 |
| Loan Purchased By The Institution | 49 | $4,955,000 | $101,000 | $245,000 | $62,000 | $186,000 |
| 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 | 1,128 | $264,820,000 | $234,000 | $26,005,000 | $114,000 | $1,752,000 |
| Credit History | 56 | $5,950,000 | $106,000 | $405,000 | $79,000 | $180,000 |
| Debt-To-Income Ratio | 48 | $7,730,000 | $161,000 | $725,000 | $66,000 | $517,000 |
| Collateral | 10 | $860,000 | $86,000 | $185,000 | $53,000 | $72,000 |
| Other | 10 | $860,000 | $86,000 | $165,000 | $59,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,155,000 | $231,000 | $465,000 | $68,000 | $101,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 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 And Trust Company's 2023 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.