Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Heartland Bank & Trust Company of Bloomington, IL reported 4,099 mortgage applications totaling $562.8 million, down 1% from 2009. The average application was for $137,301, and applicants reported an average income of $83,033. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bloomington-Normal, IL (1,619), Peoria, IL (1,140) and Champaign-Urbana, IL (597) (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 | 4,099 |
| Total Mortgage Loan Application Amount | $562,800,000 |
| Average Mortgage Loan Application Amount | $137,301 |
| Highest Mortgage Loan Application Amount | $16,100,000 |
| Average Applicant Income | $83,033 |
| Highest Applicant Income | $2,534,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,619 | $ 235,517,000 | $ 145,470 | $ 84,000 |
| Peoria, IL | 1,140 | $ 140,202,000 | $ 122,984 | $ 79,000 |
| Champaign-Urbana, IL | 597 | $ 108,436,000 | $ 181,634 | $ 105,000 |
| Chicago-Joliet-Naperville, IL | 26 | $ 5,737,000 | $ 220,653 | $ 124,000 |
| Springfield, IL | 22 | $ 2,783,000 | $ 126,500 | $ 20,000 |
| St. Louis, MO-IL | 6 | $ 893,000 | $ 148,833 | $ 129,500 |
| Danville, IL | 3 | $ 366,000 | $ 122,000 | $ 135,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 143,000 | $ 47,666 | $ 10,000 |
| Boulder, CO | 2 | $ 50,000 | $ 25,000 | $ 49,000 |
| Decatur, IL | 2 | $ 345,000 | $ 172,500 | $ 52,000 |
| Kankakee-Bradley, IL | 2 | $ 96,000 | $ 48,000 | $ 89,000 |
| Kansas City, MO-KS | 2 | $ 387,000 | $ 193,500 | $ 116,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 591,000 | $ 295,500 | $ 211,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Des Moines-West Des Moines, IA | 1 | $ 87,000 | $ 87,000 | $ 85,000 |
| Gary, IN | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Indianapolis-Carmel, IN | 1 | $ 282,000 | $ 282,000 | $ 170,000 |
| Lafayette, IN | 1 | $ 104,000 | $ 104,000 | $ 175,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 139,000 | $ 139,000 | $ 60,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 139,000 | $ 139,000 | $ 96,000 |
| Punta Gorda, FL | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Richmond, VA | 1 | $ 240,000 | $ 240,000 | $ 358,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 417,000 | $ 417,000 | $ 155,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 337,000 | $ 337,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2010
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 | 2,934 | $429,590,000 | $146,000 | $16,100,000 | $91,000 | $2,534,000 |
| Home Purchase | 939 | $114,201,000 | $121,000 | $3,200,000 | $62,000 | $926,000 |
| Home Improvement | 226 | $19,009,000 | $84,000 | $1,511,000 | $67,000 | $309,000 |
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 | 3,450 | $463,093,000 | $134,000 | $1,200,000 | $94,000 | $2,534,000 |
| Not applicable | 488 | $75,167,000 | $154,000 | $16,100,000 | $0 | $275,000 |
| Asian | 54 | $9,184,000 | $170,000 | $417,000 | $99,000 | $414,000 |
| Not Provided | 47 | $6,667,000 | $141,000 | $440,000 | $102,000 | $350,000 |
| Black or African American | 33 | $5,012,000 | $151,000 | $417,000 | $152,000 | $926,000 |
| Hispanic | 20 | $2,906,000 | $145,000 | $274,000 | $89,000 | $249,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $408,000 | $81,000 | $157,000 | $51,000 | $92,000 |
| American Indian or Alaskan Native | 2 | $363,000 | $181,000 | $195,000 | $86,000 | $87,000 |
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) | 4,026 | $553,910,000 | $137,000 | $16,100,000 | $84,000 | $2,534,000 |
| FHA-insured (Federal Housing Administration) | 56 | $7,350,000 | $131,000 | $249,000 | $63,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,540,000 | $90,000 | $198,000 | $42,000 | $69,000 |
| 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 | 3,061 | $443,398,000 | $144,000 | $16,100,000 | $95,000 | $1,182,000 |
| Loan Purchased By The Institution | 435 | $45,417,000 | $104,000 | $1,511,000 | $0 | $0 |
| Application Denied By Financial Institution | 287 | $30,620,000 | $106,000 | $479,000 | $74,000 | $2,534,000 |
| Application Withdrawn By Applicant | 159 | $20,785,000 | $130,000 | $390,000 | $85,000 | $389,000 |
| Application Approved But Not Accepted | 156 | $22,520,000 | $144,000 | $450,000 | $102,000 | $780,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 99 | $7,156,000 | $72,000 | $300,000 | $54,000 | $166,000 |
| Collateral | 86 | $11,380,000 | $132,000 | $417,000 | $116,000 | $2,534,000 |
| Debt-To-Income Ratio | 76 | $9,378,000 | $123,000 | $479,000 | $58,000 | $206,000 |
| Employment History | 13 | $1,237,000 | $95,000 | $240,000 | $47,000 | $92,000 |
| Other | 8 | $812,000 | $101,000 | $194,000 | $66,000 | $160,000 |
| Unverifiable Information | 4 | $487,000 | $121,000 | $180,000 | $74,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $170,000 | $170,000 | $170,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 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 2010 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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