Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, Heartland Bank & Trust Company of Bloomington, IL reported 1,258 mortgage applications totaling $281.6 million, up 30% from 2022. The average application was for $223,807, and applicants reported an average income of $107,965. 67% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Springfield, IL (211), Chicago-Naperville, IL (128) and St. Louis, MO-IL (113) (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 | 1,258 |
| Total Mortgage Loan Application Amount | $281,550,000 |
| Average Mortgage Loan Application Amount | $223,807 |
| Highest Mortgage Loan Application Amount | $26,005,000 |
| Average Applicant Income | $107,965 |
| Highest Applicant Income | $1,752,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sangamon, Illinois | 207 | $ 33,565,000 | $ 162,149 | $ 94,000 |
| McLean, Illinois | 109 | $ 19,715,000 | $ 180,871 | $ 118,000 |
| Macon, Illinois | 104 | $ 13,140,000 | $ 126,346 | $ 78,000 |
| Cook, Illinois | 89 | $ 67,405,000 | $ 757,359 | $ 162,000 |
| Madison, Illinois | 60 | $ 10,690,000 | $ 178,166 | $ 99,000 |
| Bureau, Illinois | 54 | $ 5,320,000 | $ 98,518 | $ 69,000 |
| Champaign, Illinois | 51 | $ 5,635,000 | $ 110,490 | $ 112,000 |
| Tazewell, Illinois | 43 | $ 4,895,000 | $ 113,837 | $ 103,000 |
| Christian, Illinois | 41 | $ 4,485,000 | $ 109,390 | $ 109,000 |
| Logan, Illinois | 30 | $ 3,110,000 | $ 103,666 | $ 115,000 |
| Peoria, Illinois | 27 | $ 3,795,000 | $ 140,555 | $ 134,000 |
| DeKalb, Illinois | 26 | $ 3,500,000 | $ 134,615 | $ 91,000 |
| LaSalle, Illinois | 26 | $ 3,630,000 | $ 139,615 | $ 119,000 |
| Morgan, Illinois | 19 | $ 2,305,000 | $ 121,315 | $ 83,000 |
| DuPage, Illinois | 18 | $ 5,570,000 | $ 309,444 | $ 355,000 |
| Macoupin, Illinois | 18 | $ 2,360,000 | $ 131,111 | $ 75,000 |
| Woodford, Illinois | 18 | $ 2,840,000 | $ 157,777 | $ 145,000 |
| Coles, Illinois | 16 | $ 2,100,000 | $ 131,250 | $ 93,000 |
| De Witt, Illinois | 15 | $ 1,775,000 | $ 118,333 | $ 79,000 |
| St. Clair, Illinois | 14 | $ 3,420,000 | $ 244,285 | $ 102,000 |
| Jersey, Illinois | 13 | $ 1,195,000 | $ 91,923 | $ 62,000 |
| Lake, Illinois | 13 | $ 2,535,000 | $ 195,000 | $ 177,000 |
| Kane, Illinois | 12 | $ 3,240,000 | $ 270,000 | $ 59,000 |
| Wabash, Illinois | 12 | $ 1,190,000 | $ 99,166 | $ 71,000 |
| Adams, Illinois | 9 | $ 1,315,000 | $ 146,111 | $ 95,000 |
| Effingham, Illinois | 9 | $ 1,455,000 | $ 161,666 | $ 70,000 |
| Fulton, Illinois | 9 | $ 715,000 | $ 79,444 | $ 63,000 |
| Will, Illinois | 9 | $ 8,825,000 | $ 980,555 | $ 305,000 |
| Kendall, Illinois | 8 | $ 1,340,000 | $ 167,500 | $ 115,000 |
| McHenry, Illinois | 8 | $ 1,580,000 | $ 197,500 | $ 111,000 |
| Pike, Illinois | 7 | $ 785,000 | $ 112,142 | $ 62,000 |
| Kenosha, Wisconsin | 6 | $ 610,000 | $ 101,666 | $ 77,000 |
| Sarasota, Florida | 5 | $ 1,995,000 | $ 399,000 | $ 226,000 |
| Livingston, Illinois | 5 | $ 1,495,000 | $ 299,000 | $ 127,000 |
| Johnson, Iowa | 5 | $ 4,695,000 | $ 939,000 | $ 576,000 |
| Ford, Illinois | 4 | $ 390,000 | $ 97,500 | $ 86,000 |
| Greene, Illinois | 4 | $ 370,000 | $ 92,500 | $ 77,000 |
| Grundy, Illinois | 4 | $ 1,020,000 | $ 255,000 | $ 87,000 |
| Marshall, Illinois | 4 | $ 530,000 | $ 132,500 | $ 56,000 |
| Menard, Illinois | 4 | $ 580,000 | $ 145,000 | $ 78,000 |
| Montgomery, Illinois | 4 | $ 270,000 | $ 67,500 | $ 85,000 |
| Piatt, Illinois | 4 | $ 430,000 | $ 107,500 | $ 95,000 |
| Vermilion, Illinois | 4 | $ 350,000 | $ 87,500 | $ 52,000 |
| Linn, Iowa | 4 | $ 350,000 | $ 87,500 | $ 179,000 |
| Stearns, Minnesota | 4 | $ 530,000 | $ 132,500 | $ 60,000 |
| Collier, Florida | 3 | $ 6,175,000 | $ 2,058,333 | $ 1,256,000 |
| Clay, Illinois | 3 | $ 105,000 | $ 35,000 | $ 107,000 |
| Clinton, Illinois | 3 | $ 645,000 | $ 215,000 | $ 78,000 |
| Fayette, Illinois | 3 | $ 325,000 | $ 108,333 | $ 42,000 |
| Marion, Illinois | 3 | $ 295,000 | $ 98,333 | $ 54,000 |
| Mason, Illinois | 3 | $ 175,000 | $ 58,333 | $ 44,000 |
| Putnam, Illinois | 3 | $ 205,000 | $ 68,333 | $ 64,000 |
| St. Charles, Missouri | 3 | $ 1,035,000 | $ 345,000 | $ 129,000 |
| Maricopa, Arizona | 2 | $ 610,000 | $ 305,000 | $ 132,000 |
| Indian River, Florida | 2 | $ 500,000 | $ 250,000 | $ 186,000 |
| Palm Beach, Florida | 2 | $ 5,370,000 | $ 2,685,000 | $ 1,706,000 |
| Pasco, Florida | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Boone, Illinois | 2 | $ 320,000 | $ 160,000 | $ 107,000 |
| Brown, Illinois | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Cass, Illinois | 2 | $ 230,000 | $ 115,000 | $ 64,000 |
| Douglas, Illinois | 2 | $ 130,000 | $ 65,000 | $ 53,000 |
| Iroquois, Illinois | 2 | $ 280,000 | $ 140,000 | $ 123,000 |
| Jackson, Illinois | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| Kankakee, Illinois | 2 | $ 440,000 | $ 220,000 | $ 119,000 |
| McDonough, Illinois | 2 | $ 310,000 | $ 155,000 | $ 132,000 |
| Moultrie, Illinois | 2 | $ 80,000 | $ 40,000 | $ 76,000 |
| Shelby, Illinois | 2 | $ 150,000 | $ 75,000 | $ 32,000 |
| White, Illinois | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Black Hawk, Iowa | 2 | $ 520,000 | $ 260,000 | $ 191,000 |
| Christian, Missouri | 2 | $ 500,000 | $ 250,000 | $ 118,000 |
| Price, Wisconsin | 2 | $ 280,000 | $ 140,000 | $ 127,000 |
| Walworth, Wisconsin | 2 | $ 1,130,000 | $ 565,000 | $ 473,000 |
| Morgan, Alabama | 1 | $ 245,000 | $ 245,000 | $ 275,000 |
| Yavapai, Arizona | 1 | $ 605,000 | $ 605,000 | $ 150,000 |
| Washington, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Los Angeles, California | 1 | $ 505,000 | $ 505,000 | $ 465,000 |
| Riverside, California | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Douglas, Colorado | 1 | $ 725,000 | $ 725,000 | $ 221,000 |
| Bay, Florida | 1 | $ 365,000 | $ 365,000 | $ 184,000 |
| Broward, Florida | 1 | $ 245,000 | $ 245,000 | $ 43,000 |
| Lee, Florida | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Carroll, Georgia | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Peach, Georgia | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Bond, Illinois | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Calhoun, Illinois | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Clark, Illinois | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Crawford, Illinois | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Edwards, Illinois | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Hancock, Illinois | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Henry, Illinois | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Jasper, Illinois | 1 | $ 655,000 | $ 655,000 | $ 174,000 |
| Jo Daviess, Illinois | 1 | $ 225,000 | $ 225,000 | $ 214,000 |
| Knox, Illinois | 1 | $ 305,000 | $ 305,000 | $ 860,000 |
| Lawrence, Illinois | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Pope, Illinois | 1 | $ 235,000 | $ 235,000 | $ 132,000 |
| Scott, Illinois | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Washington, Illinois | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Wayne, Illinois | 1 | $ 115,000 | $ 115,000 | $ 139,000 |
| Winnebago, Illinois | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Gibson, Indiana | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Knox, Indiana | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Berrien, Michigan | 1 | $ 14,005,000 | $ 14,005,000 | $ 0 |
| Chippewa, Michigan | 1 | $ 165,000 | $ 165,000 | $ 244,000 |
| Ingham, Michigan | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Oceana, Michigan | 1 | $ 275,000 | $ 275,000 | $ 279,000 |
| Wayne, Michigan | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Marion, Missouri | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| Pike, Missouri | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 345,000 | $ 345,000 | $ 107,000 |
| Shelby, Texas | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Jefferson, Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 109,000 |
| Milwaukee, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 164,000 |
| Vilas, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank & 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 & 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 & 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