Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Heartland Bank & Trust Company of Bloomington, IL reported 1,305 mortgage applications totaling $207.7 million, up 47% from 2024. The average application was for $159,145, and applicants reported an average income of $121,674. 70% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Springfield, IL (190), Chicago-Naperville, IL (167) and Bloomington, IL (142) (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 | 1,305 |
| Total Mortgage Loan Application Amount | $207,685,000 |
| Average Mortgage Loan Application Amount | $159,145 |
| Highest Mortgage Loan Application Amount | $5,595,000 |
| Average Applicant Income | $121,674 |
| Highest Applicant Income | $2,651,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 337 | $ 33,105,000 | $ 98,234 | $ 94,443 |
| Springfield, IL | 190 | $ 22,220,000 | $ 116,947 | $ 111,000 |
| Chicago-Naperville, IL | 167 | $ 59,575,000 | $ 356,736 | $ 164,000 |
| Bloomington, IL | 142 | $ 18,790,000 | $ 132,323 | $ 132,000 |
| Peoria, IL | 133 | $ 12,855,000 | $ 96,654 | $ 105,000 |
| Decatur, IL | 88 | $ 12,530,000 | $ 142,386 | $ 110,000 |
| Elgin, IL | 79 | $ 13,175,000 | $ 166,772 | $ 163,000 |
| Champaign-Urbana, IL | 59 | $ 9,625,000 | $ 163,135 | $ 133,000 |
| St. Louis, MO-IL | 53 | $ 7,005,000 | $ 132,169 | $ 122,150 |
| Lake County-Kenosha County, IL-WI | 19 | $ 2,765,000 | $ 145,526 | $ 122,000 |
| Cedar Rapids, IA | 12 | $ 6,690,000 | $ 557,500 | $ 119,000 |
| Iowa City, IA | 4 | $ 1,400,000 | $ 350,000 | $ 510,000 |
| Kenosha, WI | 3 | $ 245,000 | $ 81,666 | $ 132,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 2 | $ 490,000 | $ 245,000 | $ 125,000 |
| Rockford, IL | 2 | $ 560,000 | $ 280,000 | $ 109,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 505,000 | $ 505,000 | $ 196,000 |
| Cincinnati, OH-KY-IN | 1 | $ 345,000 | $ 345,000 | $ 2,651,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 105,000 | $ 105,000 | $ 339,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Muskegon, MI | 1 | $ 455,000 | $ 455,000 | $ 141,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 505,000 | $ 505,000 | $ 646,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 2,685,000 | $ 2,685,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 225,000 | $ 225,000 | $ 196,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 175,000 | $ 175,000 | $ 352,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2025
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 | 540 | $117,780,000 | $218,000 | $5,595,000 | $121,000 | $2,651,000 |
| Other Purpose | 249 | $24,975,000 | $100,000 | $1,205,000 | $128,000 | $1,015,000 |
| Home Improvement | 225 | $14,895,000 | $66,000 | $405,000 | $117,000 | $487,000 |
| Cash-out Refinancing | 169 | $27,225,000 | $161,000 | $1,305,000 | $114,000 | $774,000 |
| Refinancing | 122 | $22,810,000 | $186,000 | $3,205,000 | $131,000 | $1,093,000 |
| 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 | 1,027 | $131,085,000 | $127,000 | $1,805,000 | $124,000 | $2,651,000 |
| Not applicable | 114 | $52,910,000 | $464,000 | $5,595,000 | $0 | $0 |
| Hispanic | 77 | $11,765,000 | $152,000 | $505,000 | $92,000 | $262,000 |
| Black or African American | 42 | $5,100,000 | $121,000 | $615,000 | $89,000 | $244,000 |
| Not Provided | 30 | $4,230,000 | $141,000 | $385,000 | $163,000 | $738,000 |
| Asian | 11 | $2,265,000 | $205,000 | $805,000 | $163,000 | $627,000 |
| American Indian or Alaskan Native | 4 | $330,000 | $82,000 | $155,000 | $60,000 | $93,000 |
| 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) | 1,254 | $200,280,000 | $159,000 | $5,595,000 | $124,000 | $2,651,000 |
| FHA-insured (Federal Housing Administration) | 41 | $5,225,000 | $127,000 | $225,000 | $64,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,660,000 | $276,000 | $535,000 | $123,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $520,000 | $130,000 | $165,000 | $65,000 | $77,000 |
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 | 918 | $160,500,000 | $174,000 | $5,595,000 | $132,000 | $2,651,000 |
| Application Denied By Financial Institution | 208 | $20,500,000 | $98,000 | $705,000 | $93,000 | $2,490,000 |
| Application Withdrawn By Applicant | 91 | $13,535,000 | $148,000 | $1,175,000 | $115,000 | $489,000 |
| Application Approved But Not Accepted | 84 | $12,450,000 | $148,000 | $465,000 | $104,000 | $419,000 |
| Loan Purchased By The Institution | 4 | $700,000 | $175,000 | $325,000 | $78,000 | $122,000 |
| 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 | 1,097 | $187,185,000 | $170,000 | $5,595,000 | $128,000 | $2,651,000 |
| Debt-To-Income Ratio | 80 | $9,280,000 | $116,000 | $705,000 | $73,000 | $314,000 |
| Credit History | 76 | $5,130,000 | $67,000 | $395,000 | $69,000 | $191,000 |
| Other | 21 | $2,075,000 | $98,000 | $345,000 | $105,000 | $244,000 |
| Collateral | 21 | $2,345,000 | $111,000 | $405,000 | $137,000 | $627,000 |
| Unverifiable Information | 4 | $700,000 | $175,000 | $395,000 | $96,000 | $193,000 |
| Employment History | 3 | $335,000 | $111,000 | $165,000 | $85,000 | $189,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $140,000 | $70,000 | $125,000 | $32,000 | $43,000 |
| Credit Application Incomplete | 1 | $495,000 | $495,000 | $495,000 | $2,490,000 | $2,490,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2025 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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