Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Heartland Bank & Trust Company of Bloomington, IL reported 1,545 mortgage applications totaling $222.8 million, down 40% from 2013. The average application was for $144,203, and applicants reported an average income of $102,097. 71% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Peoria, IL (495), Bloomington, IL (430) and Champaign-Urbana, IL (185) (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 | 1,545 |
| Total Mortgage Loan Application Amount | $222,794,000 |
| Average Mortgage Loan Application Amount | $144,203 |
| Highest Mortgage Loan Application Amount | $2,609,000 |
| Average Applicant Income | $102,097 |
| Highest Applicant Income | $2,949,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 495 | $ 58,360,000 | $ 117,898 | $ 88,000 |
| Bloomington, IL | 430 | $ 60,699,000 | $ 141,160 | $ 113,000 |
| Champaign-Urbana, IL | 185 | $ 26,382,000 | $ 142,605 | $ 112,000 |
| Chicago-Naperville-Arlington Heights, IL | 177 | $ 48,902,000 | $ 276,282 | $ 130,000 |
| Elgin, IL | 36 | $ 4,666,000 | $ 129,611 | $ 88,000 |
| Decatur, IL | 7 | $ 648,000 | $ 92,571 | $ 93,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 1,163,000 | $ 166,142 | $ 94,000 |
| Springfield, IL | 5 | $ 438,000 | $ 87,600 | $ 152,000 |
| Rockford, IL | 4 | $ 408,000 | $ 102,000 | $ 66,000 |
| St. Louis, MO-IL | 3 | $ 569,000 | $ 189,666 | $ 330,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 364,000 | $ 182,000 | $ 76,000 |
| Michigan City-La Porte, IN | 2 | $ 499,000 | $ 249,500 | $ 140,000 |
| Punta Gorda, FL | 2 | $ 259,000 | $ 129,500 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 417,000 | $ 417,000 | $ 200,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 240,000 | $ 240,000 | $ 228,000 |
| Charleston-North Charleston, SC | 1 | $ 417,000 | $ 417,000 | $ 844,000 |
| Danville, IL | 1 | $ 2,000 | $ 2,000 | $ 18,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 62,000 | $ 62,000 | $ 106,000 |
| Des Moines-West Des Moines, IA | 1 | $ 311,000 | $ 311,000 | $ 185,000 |
| Fayetteville, NC | 1 | $ 67,000 | $ 67,000 | $ 158,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 64,000 | $ 64,000 | $ 96,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 233,000 | $ 233,000 | $ 62,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 157,000 | $ 157,000 | $ 47,000 |
| Kankakee, IL | 1 | $ 220,000 | $ 220,000 | $ 144,000 |
| Kansas City, MO-KS | 1 | $ 28,000 | $ 28,000 | $ 162,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 234,000 | $ 234,000 | $ 112,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Niles-Benton Harbor, MI | 1 | $ 226,000 | $ 226,000 | $ 344,000 |
| Ocala, FL | 1 | $ 370,000 | $ 370,000 | $ 167,000 |
| Philadelphia, PA | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| Rochester, MN | 1 | $ 109,000 | $ 109,000 | $ 64,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 245,000 | $ 245,000 | $ 266,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2014
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 | 729 | $109,334,000 | $149,000 | $2,609,000 | $103,000 | $2,949,000 |
| Refinancing | 661 | $100,926,000 | $152,000 | $1,400,000 | $103,000 | $797,000 |
| Home Improvement | 155 | $12,534,000 | $80,000 | $417,000 | $94,000 | $844,000 |
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 | 1,344 | $186,095,000 | $138,000 | $1,255,000 | $107,000 | $2,949,000 |
| Not applicable | 70 | $18,100,000 | $258,000 | $2,609,000 | $0 | $0 |
| Not Provided | 67 | $10,376,000 | $154,000 | $1,400,000 | $99,000 | $420,000 |
| Hispanic | 32 | $2,991,000 | $93,000 | $375,000 | $100,000 | $393,000 |
| Asian | 18 | $2,633,000 | $146,000 | $417,000 | $119,000 | $559,000 |
| Black or African American | 12 | $2,234,000 | $186,000 | $309,000 | $136,000 | $312,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $210,000 | $210,000 | $210,000 | $94,000 | $94,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $72,000 | $72,000 |
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) | 1,480 | $216,453,000 | $146,000 | $2,609,000 | $104,000 | $2,949,000 |
| FHA-insured (Federal Housing Administration) | 52 | $5,004,000 | $96,000 | $224,000 | $47,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,337,000 | $102,000 | $166,000 | $56,000 | $84,000 |
| 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 | 1,094 | $164,160,000 | $150,000 | $2,609,000 | $110,000 | $2,949,000 |
| Application Denied By Financial Institution | 273 | $31,583,000 | $115,000 | $663,000 | $66,000 | $797,000 |
| Application Withdrawn By Applicant | 90 | $13,591,000 | $151,000 | $1,400,000 | $107,000 | $679,000 |
| Application Approved But Not Accepted | 87 | $13,410,000 | $154,000 | $630,000 | $115,000 | $559,000 |
| Loan Purchased By The Institution | 1 | $50,000 | $50,000 | $50,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2014 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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with aggregated HMDA statistics today.
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