Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Heartland Bank & Trust Company of Bloomington, IL reported 4,610 mortgage applications totaling $608.4 million, up 79% from 2011. The average application was for $131,970, and applicants reported an average income of $71,167. 58% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Peoria, IL (1,080), Bloomington-Normal, IL (1,060) and Chicago-Joliet-Naperville, IL (599) (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 | 4,610 |
| Total Mortgage Loan Application Amount | $608,386,000 |
| Average Mortgage Loan Application Amount | $131,970 |
| Highest Mortgage Loan Application Amount | $3,443,000 |
| Average Applicant Income | $71,167 |
| Highest Applicant Income | $1,400,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Peoria, IL | 1,080 | $ 134,316,000 | $ 124,366 | $ 76,000 |
| Bloomington-Normal, IL | 1,060 | $ 167,488,000 | $ 158,007 | $ 111,000 |
| Chicago-Joliet-Naperville, IL | 599 | $ 109,052,000 | $ 182,056 | $ 41,000 |
| Champaign-Urbana, IL | 521 | $ 81,746,000 | $ 156,902 | $ 104,000 |
| Rockford, IL | 24 | $ 2,683,000 | $ 111,791 | $ 0 |
| Springfield, IL | 11 | $ 1,470,000 | $ 133,636 | $ 92,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 667,000 | $ 95,285 | $ 16,000 |
| Danville, IL | 4 | $ 333,000 | $ 83,250 | $ 41,000 |
| Janesville, WI | 4 | $ 401,000 | $ 100,250 | $ 0 |
| Naples-Marco Island, FL | 4 | $ 1,209,000 | $ 302,250 | $ 302,000 |
| St. Louis, MO-IL | 4 | $ 605,000 | $ 151,250 | $ 171,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 382,000 | $ 95,500 | $ 0 |
| Decatur, IL | 3 | $ 404,000 | $ 134,666 | $ 133,000 |
| Kankakee-Bradley, IL | 3 | $ 670,000 | $ 223,333 | $ 79,000 |
| Bloomington, IN | 2 | $ 510,000 | $ 255,000 | $ 149,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 313,000 | $ 156,500 | $ 31,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 289,000 | $ 144,500 | $ 0 |
| Indianapolis-Carmel, IN | 2 | $ 287,000 | $ 143,500 | $ 100,000 |
| Kansas City, MO-KS | 2 | $ 516,000 | $ 258,000 | $ 140,000 |
| Michigan City-La Porte, IN | 2 | $ 447,000 | $ 223,500 | $ 252,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 303,000 | $ 151,500 | $ 0 |
| Appleton, WI | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 167,000 | $ 167,000 | $ 137,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 156,000 | $ 156,000 | $ 137,000 |
| Baton Rouge, LA | 1 | $ 280,000 | $ 280,000 | $ 110,000 |
| Corpus Christi, TX | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Dayton, OH | 1 | $ 134,000 | $ 134,000 | $ 83,000 |
| Des Moines-West Des Moines, IA | 1 | $ 376,000 | $ 376,000 | $ 0 |
| El Paso, TX | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Gary, IN | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Jacksonville, FL | 1 | $ 177,000 | $ 177,000 | $ 149,000 |
| Kalamazoo-Portage, MI | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Knoxville, TN | 1 | $ 264,000 | $ 264,000 | $ 165,000 |
| Kokomo, IN | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 241,000 | $ 241,000 | $ 71,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 268,000 | $ 268,000 | $ 118,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 249,000 | $ 249,000 | $ 204,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 32,000 | $ 32,000 | $ 135,000 |
| Oshkosh-Neenah, WI | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Racine, WI | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Rockingham County-Strafford County, NH | 1 | $ 599,000 | $ 599,000 | $ 0 |
| State College, PA | 1 | $ 394,000 | $ 394,000 | $ 259,000 |
| Tucson, AZ | 1 | $ 133,000 | $ 133,000 | $ 159,000 |
| Tulsa, OK | 1 | $ 417,000 | $ 417,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2012
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 | 2,484 | $382,396,000 | $153,000 | $2,100,000 | $99,000 | $1,127,000 |
| Home Purchase | 1,885 | $199,880,000 | $106,000 | $3,443,000 | $34,000 | $1,400,000 |
| Home Improvement | 241 | $26,110,000 | $108,000 | $2,361,000 | $75,000 | $208,000 |
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 | 3,188 | $451,578,000 | $141,000 | $1,910,000 | $96,000 | $1,400,000 |
| Not applicable | 1,244 | $129,001,000 | $103,000 | $3,443,000 | $0 | $0 |
| Not Provided | 73 | $9,388,000 | $128,000 | $416,000 | $93,000 | $900,000 |
| Asian | 45 | $10,211,000 | $226,000 | $1,793,000 | $174,000 | $1,127,000 |
| Hispanic | 32 | $4,246,000 | $132,000 | $408,000 | $77,000 | $198,000 |
| Black or African American | 24 | $3,518,000 | $146,000 | $305,000 | $116,000 | $448,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $292,000 | $97,000 | $171,000 | $79,000 | $103,000 |
| American Indian or Alaskan Native | 1 | $152,000 | $152,000 | $152,000 | $125,000 | $125,000 |
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) | 4,539 | $600,708,000 | $132,000 | $3,443,000 | $71,000 | $1,400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,717,000 | $107,000 | $190,000 | $43,000 | $86,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,961,000 | $109,000 | $203,000 | $51,000 | $171,000 |
| 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 | 2,651 | $398,320,000 | $150,000 | $2,361,000 | $97,000 | $1,400,000 |
| Loan Purchased By The Institution | 1,158 | $104,173,000 | $89,000 | $3,443,000 | $0 | $0 |
| Application Denied By Financial Institution | 487 | $65,361,000 | $134,000 | $1,910,000 | $76,000 | $411,000 |
| Application Approved But Not Accepted | 168 | $23,279,000 | $138,000 | $735,000 | $117,000 | $697,000 |
| Application Withdrawn By Applicant | 145 | $17,174,000 | $118,000 | $416,000 | $85,000 | $608,000 |
| File Closed For Incompleteness | 1 | $79,000 | $79,000 | $79,000 | $54,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 168 | $25,807,000 | $153,000 | $694,000 | $100,000 | $400,000 |
| Credit History | 163 | $15,327,000 | $94,000 | $398,000 | $59,000 | $289,000 |
| Debt-To-Income Ratio | 144 | $22,829,000 | $158,000 | $1,910,000 | $69,000 | $411,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $879,000 | $109,000 | $155,000 | $56,000 | $177,000 |
| Other | 2 | $122,000 | $61,000 | $77,000 | $47,000 | $60,000 |
| Credit Application Incomplete | 2 | $397,000 | $198,000 | $274,000 | $109,000 | $180,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2012 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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