Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, Heartland Bank & Trust Company of Bloomington, IL reported 885 mortgage applications totaling $166.4 million, down 30% from 2023. The average application was for $188,028, and applicants reported an average income of $112,919. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Naperville, IL (118), Springfield, IL (112) and Bloomington, IL (79) (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 | 885 |
| Total Mortgage Loan Application Amount | $166,405,000 |
| Average Mortgage Loan Application Amount | $188,028 |
| Highest Mortgage Loan Application Amount | $20,055,000 |
| Average Applicant Income | $112,919 |
| Highest Applicant Income | $1,152,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 110 | $ 17,060,000 | $ 155,090 | $ 111,000 |
| McLean, Illinois | 79 | $ 15,115,000 | $ 191,329 | $ 157,000 |
| Cook, Illinois | 77 | $ 39,005,000 | $ 506,558 | $ 93,000 |
| Macon, Illinois | 57 | $ 7,355,000 | $ 129,035 | $ 86,000 |
| Bureau, Illinois | 50 | $ 5,170,000 | $ 103,400 | $ 80,000 |
| Champaign, Illinois | 37 | $ 6,995,000 | $ 189,054 | $ 119,000 |
| Christian, Illinois | 25 | $ 3,375,000 | $ 135,000 | $ 87,000 |
| LaSalle, Illinois | 24 | $ 2,490,000 | $ 103,750 | $ 72,000 |
| Logan, Illinois | 24 | $ 2,280,000 | $ 95,000 | $ 107,000 |
| Wabash, Illinois | 24 | $ 3,730,000 | $ 155,416 | $ 84,000 |
| Tazewell, Illinois | 23 | $ 2,565,000 | $ 111,521 | $ 134,000 |
| DeKalb, Illinois | 22 | $ 4,430,000 | $ 201,363 | $ 95,000 |
| Lake, Illinois | 18 | $ 2,820,000 | $ 156,666 | $ 121,000 |
| Will, Illinois | 18 | $ 2,530,000 | $ 140,555 | $ 122,000 |
| Peoria, Illinois | 17 | $ 3,175,000 | $ 186,764 | $ 131,000 |
| Woodford, Illinois | 16 | $ 2,060,000 | $ 128,750 | $ 131,000 |
| Morgan, Illinois | 15 | $ 1,445,000 | $ 96,333 | $ 60,000 |
| Madison, Illinois | 14 | $ 3,020,000 | $ 215,714 | $ 219,000 |
| Kane, Illinois | 13 | $ 3,075,000 | $ 236,538 | $ 130,000 |
| Macoupin, Illinois | 12 | $ 1,680,000 | $ 140,000 | $ 73,000 |
| De Witt, Illinois | 10 | $ 1,540,000 | $ 154,000 | $ 83,000 |
| Douglas, Illinois | 10 | $ 1,130,000 | $ 113,000 | $ 95,000 |
| DuPage, Illinois | 10 | $ 1,850,000 | $ 185,000 | $ 417,000 |
| Kendall, Illinois | 10 | $ 1,590,000 | $ 159,000 | $ 103,000 |
| Vermilion, Illinois | 10 | $ 1,290,000 | $ 129,000 | $ 78,000 |
| McHenry, Illinois | 9 | $ 1,825,000 | $ 202,777 | $ 239,000 |
| Montgomery, Illinois | 9 | $ 1,225,000 | $ 136,111 | $ 81,000 |
| St. Clair, Illinois | 7 | $ 1,625,000 | $ 232,142 | $ 164,000 |
| Effingham, Illinois | 6 | $ 1,140,000 | $ 190,000 | $ 93,000 |
| Marshall, Illinois | 6 | $ 620,000 | $ 103,333 | $ 81,000 |
| Putnam, Illinois | 6 | $ 600,000 | $ 100,000 | $ 91,000 |
| Ford, Illinois | 5 | $ 395,000 | $ 79,000 | $ 97,000 |
| Shelby, Illinois | 5 | $ 625,000 | $ 125,000 | $ 71,000 |
| Fulton, Illinois | 4 | $ 210,000 | $ 52,500 | $ 56,000 |
| Grundy, Illinois | 4 | $ 810,000 | $ 202,500 | $ 98,000 |
| Winnebago, Illinois | 4 | $ 600,000 | $ 150,000 | $ 58,000 |
| Adams, Illinois | 3 | $ 425,000 | $ 141,666 | $ 21,000 |
| Fayette, Illinois | 3 | $ 285,000 | $ 95,000 | $ 68,000 |
| Jersey, Illinois | 3 | $ 335,000 | $ 111,666 | $ 68,000 |
| Livingston, Illinois | 3 | $ 345,000 | $ 115,000 | $ 68,000 |
| Mason, Illinois | 3 | $ 295,000 | $ 98,333 | $ 160,000 |
| Pike, Illinois | 3 | $ 335,000 | $ 111,666 | $ 45,000 |
| White, Illinois | 3 | $ 675,000 | $ 225,000 | $ 120,000 |
| Maricopa, Arizona | 2 | $ 1,300,000 | $ 650,000 | $ 258,000 |
| Sebastian, Arkansas | 2 | $ 160,000 | $ 80,000 | $ 23,000 |
| Boone, Illinois | 2 | $ 360,000 | $ 180,000 | $ 81,000 |
| Clark, Illinois | 2 | $ 240,000 | $ 120,000 | $ 30,000 |
| Coles, Illinois | 2 | $ 310,000 | $ 155,000 | $ 89,000 |
| Edwards, Illinois | 2 | $ 140,000 | $ 70,000 | $ 67,000 |
| Jefferson, Illinois | 2 | $ 300,000 | $ 150,000 | $ 146,000 |
| Lawrence, Illinois | 2 | $ 120,000 | $ 60,000 | $ 114,000 |
| Marion, Illinois | 2 | $ 200,000 | $ 100,000 | $ 67,000 |
| Menard, Illinois | 2 | $ 260,000 | $ 130,000 | $ 83,000 |
| Moultrie, Illinois | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Lake, Indiana | 2 | $ 670,000 | $ 335,000 | $ 131,000 |
| Johnson, Iowa | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Linn, Iowa | 2 | $ 220,000 | $ 110,000 | $ 68,000 |
| St. Louis, Missouri | 2 | $ 690,000 | $ 345,000 | $ 606,000 |
| Rutherford, North Carolina | 2 | $ 560,000 | $ 280,000 | $ 143,000 |
| Vilas, Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 88,000 |
| Walworth, Wisconsin | 2 | $ 500,000 | $ 250,000 | $ 451,000 |
| Palm Beach, Florida | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Calhoun, Illinois | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Cass, Illinois | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Edgar, Illinois | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Greene, Illinois | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Hamilton, Illinois | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Jasper, Illinois | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Knox, Illinois | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| Piatt, Illinois | 1 | $ 165,000 | $ 165,000 | $ 176,000 |
| Richland, Illinois | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Stark, Illinois | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Warren, Illinois | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Wayne, Illinois | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Williamson, Illinois | 1 | $ 465,000 | $ 465,000 | $ 155,000 |
| Hamilton, Indiana | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Madison, Indiana | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Vanderburgh, Indiana | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Black Hawk, Iowa | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jackson, Iowa | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Scott, Iowa | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Muhlenberg, Kentucky | 1 | $ 425,000 | $ 425,000 | $ 180,000 |
| Macomb, Michigan | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Muskegon, Michigan | 1 | $ 455,000 | $ 455,000 | $ 141,000 |
| Oceana, Michigan | 1 | $ 175,000 | $ 175,000 | $ 262,000 |
| Washtenaw, Michigan | 1 | $ 445,000 | $ 445,000 | $ 498,000 |
| Pine, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Camden, Missouri | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Clark, Missouri | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Jackson, Missouri | 1 | $ 575,000 | $ 575,000 | $ 213,000 |
| Livingston, Missouri | 1 | $ 185,000 | $ 185,000 | $ 215,000 |
| Maury, Tennessee | 1 | $ 765,000 | $ 765,000 | $ 246,000 |
| Williamson, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Green Lake, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Jefferson, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Marinette, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 184,000 |
| Marquette, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 292,000 |
| Waukesha, Wisconsin | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2024
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 | 620 | $128,830,000 | $207,000 | $20,055,000 | $111,000 | $1,152,000 |
| Cash-out Refinancing | 135 | $18,065,000 | $133,000 | $505,000 | $102,000 | $371,000 |
| Refinancing | 58 | $13,970,000 | $240,000 | $795,000 | $160,000 | $785,000 |
| Other Purpose | 45 | $3,825,000 | $85,000 | $505,000 | $127,000 | $785,000 |
| Home Improvement | 27 | $1,715,000 | $63,000 | $185,000 | $87,000 | $226,000 |
| 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 | 655 | $102,395,000 | $156,000 | $1,025,000 | $113,000 | $1,152,000 |
| Not applicable | 108 | $41,760,000 | $386,000 | $20,055,000 | $0 | $0 |
| Hispanic | 49 | $7,685,000 | $156,000 | $375,000 | $75,000 | $202,000 |
| Not Provided | 34 | $6,230,000 | $183,000 | $485,000 | $114,000 | $282,000 |
| Black or African American | 21 | $3,235,000 | $154,000 | $405,000 | $86,000 | $300,000 |
| Asian | 12 | $2,920,000 | $243,000 | $765,000 | $193,000 | $1,080,000 |
| American Indian or Alaskan Native | 5 | $2,105,000 | $421,000 | $575,000 | $221,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $117,000 | $117,000 |
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) | 807 | $155,155,000 | $192,000 | $20,055,000 | $116,000 | $1,152,000 |
| FHA-insured (Federal Housing Administration) | 38 | $5,540,000 | $145,000 | $445,000 | $74,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,090,000 | $110,000 | $195,000 | $64,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,620,000 | $218,000 | $465,000 | $105,000 | $223,000 |
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 | 621 | $124,265,000 | $200,000 | $20,055,000 | $116,000 | $1,080,000 |
| Application Denied By Financial Institution | 88 | $11,230,000 | $127,000 | $445,000 | $76,000 | $440,000 |
| Application Withdrawn By Applicant | 82 | $16,550,000 | $201,000 | $1,025,000 | $138,000 | $1,152,000 |
| Application Approved But Not Accepted | 55 | $8,425,000 | $153,000 | $585,000 | $105,000 | $371,000 |
| Loan Purchased By The Institution | 39 | $5,935,000 | $152,000 | $475,000 | $95,000 | $248,000 |
| 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 | 797 | $155,175,000 | $194,000 | $20,055,000 | $116,000 | $1,152,000 |
| Credit History | 36 | $4,360,000 | $121,000 | $405,000 | $86,000 | $440,000 |
| Debt-To-Income Ratio | 28 | $3,990,000 | $142,000 | $445,000 | $55,000 | $117,000 |
| Collateral | 15 | $1,755,000 | $117,000 | $305,000 | $79,000 | $274,000 |
| Other | 5 | $655,000 | $131,000 | $245,000 | $129,000 | $324,000 |
| Employment History | 2 | $310,000 | $155,000 | $185,000 | $82,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $160,000 | $80,000 | $115,000 | $35,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2024 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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