Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, Heartland Bank & Trust Company of Bloomington, IL reported 4,128 mortgage applications totaling $466.1 million. The average application was for $112,921, and applicants reported an average income of $84,993. 94% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Bloomington-Normal, IL (1,930), Peoria-Pekin, IL (1,293) and Champaign-Urbana, IL (617) (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 | 4,128 |
| Total Mortgage Loan Application Amount | $466,142,000 |
| Average Mortgage Loan Application Amount | $112,921 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $84,993 |
| Highest Applicant Income | $1,000,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bloomington-Normal, IL | 1,930 | $ 233,950,000 | $ 121,217 | $ 100,000 |
| Peoria-Pekin, IL | 1,293 | $ 125,800,000 | $ 97,293 | $ 58,000 |
| Champaign-Urbana, IL | 617 | $ 75,571,000 | $ 122,481 | $ 79,000 |
| Chicago, IL | 18 | $ 3,059,000 | $ 169,944 | $ 118,000 |
| Springfield, IL | 8 | $ 1,050,000 | $ 131,250 | $ 62,000 |
| Kankakee, IL | 6 | $ 708,000 | $ 118,000 | $ 55,000 |
| Decatur, IL | 4 | $ 390,000 | $ 97,500 | $ 74,000 |
| Indianapolis, IN | 3 | $ 281,000 | $ 93,666 | $ 46,000 |
| Naples, FL | 3 | $ 564,000 | $ 188,000 | $ 462,000 |
| Fort Lauderdale, FL | 2 | $ 432,000 | $ 216,000 | $ 28,000 |
| Fort Myers-Cape Coral, FL | 2 | $ 263,000 | $ 131,500 | $ 166,000 |
| Fort Walton Beach, FL | 2 | $ 386,000 | $ 193,000 | $ 47,000 |
| Salt Lake City-Ogden, UT | 2 | $ 302,000 | $ 151,000 | $ 150,000 |
| Sarasota-Bradenton, FL | 2 | $ 542,000 | $ 271,000 | $ 179,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 400,000 | $ 200,000 | $ 228,000 |
| Atlanta, GA | 1 | $ 188,000 | $ 188,000 | $ 111,000 |
| Baltimore, MD | 1 | $ 96,000 | $ 96,000 | $ 128,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Eau Claire, WI | 1 | $ 253,000 | $ 253,000 | $ 188,000 |
| Fort Collins-Loveland, CO | 1 | $ 301,000 | $ 301,000 | $ 194,000 |
| Jacksonville, FL | 1 | $ 228,000 | $ 228,000 | $ 173,000 |
| Mobile, AL | 1 | $ 308,000 | $ 308,000 | $ 456,000 |
| Pensacola, FL | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Riverside-San Bernardino, CA | 1 | $ 140,000 | $ 140,000 | $ 119,000 |
| St. Louis, MO-IL | 1 | $ 210,000 | $ 210,000 | $ 114,000 |
| Tulsa, OK | 1 | $ 255,000 | $ 255,000 | $ 197,000 |
| West Palm Beach-Boca Raton, FL | 1 | $ 320,000 | $ 320,000 | $ 550,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 3,101 | $360,033,000 | $164,500 | $2,800,000 | $183,083 | $1,000,000 |
| Home Purchase (one-to-four family) | 871 | $96,142,000 | $135,250 | $1,210,000 | $124,625 | $795,000 |
| Home Improvement (one-to-four family) | 139 | $2,936,000 | $17,666 | $150,000 | $149,333 | $750,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 17 | $7,031,000 | $413,000 | $2,420,000 | $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 | 3,922 | $441,241,000 | $148,875 | $2,800,000 | $165,312 | $1,000,000 |
| Asian or Pacific Islander | 71 | $8,531,000 | $108,000 | $323,000 | $130,500 | $722,000 |
| Black | 37 | $3,766,000 | $101,000 | $323,000 | $104,000 | $371,000 |
| Not applicable | 37 | $5,092,000 | $137,000 | $691,000 | $0 | $0 |
| Hispanic | 22 | $2,743,000 | $147,000 | $410,000 | $67,000 | $160,000 |
| Other | 18 | $2,376,000 | $132,000 | $296,000 | $94,000 | $195,000 |
| Information not provided by applicant in mail or telephone application | 13 | $1,643,000 | $126,000 | $304,000 | $68,000 | $158,000 |
| American Indian or Alaskan Native | 8 | $750,000 | $93,000 | $161,000 | $81,000 | $199,000 |
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) | 4,128 | $466,142,000 | $145,470 | $2,800,000 | $162,294 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3,896 | $440,266,000 | $154,187 | $2,420,000 | $171,500 | $1,000,000 |
| Application Denied By Financial Institution | 126 | $14,545,000 | $61,000 | $2,800,000 | $36,500 | $570,000 |
| Application Withdrawn By Applicant | 91 | $10,015,000 | $110,000 | $392,000 | $103,000 | $776,000 |
| Application Approved But Not Accepted | 15 | $1,316,000 | $87,000 | $225,000 | $78,000 | $141,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 71 | $8,750,000 | $65,000 | $2,800,000 | $39,500 | $570,000 |
| Debt-To-Income Ratio | 35 | $3,300,000 | $94,000 | $250,000 | $47,000 | $200,000 |
| Collateral | 5 | $537,000 | $107,000 | $145,000 | $67,000 | $90,000 |
| Other | 5 | $716,000 | $143,000 | $224,000 | $97,000 | $232,000 |
| Employment History | 2 | $157,000 | $78,000 | $80,000 | $49,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $498,000 | $249,000 | $410,000 | $23,000 | $47,000 |
| 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 2003 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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