Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Heartland Bank & Trust Company of Bloomington, IL reported 1,812 mortgage applications totaling $299.5 million, up 17% from 2014. The average application was for $165,267, and applicants reported an average income of $101,268. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Bloomington, IL (500), Peoria, IL (484) and Chicago-Naperville-Arlington Heights, IL (257) (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 | 1,812 |
| Total Mortgage Loan Application Amount | $299,465,000 |
| Average Mortgage Loan Application Amount | $165,267 |
| Highest Mortgage Loan Application Amount | $16,825,000 |
| Average Applicant Income | $101,268 |
| Highest Applicant Income | $2,023,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, IL | 500 | $ 73,773,000 | $ 147,546 | $ 108,000 |
| Peoria, IL | 484 | $ 63,756,000 | $ 131,727 | $ 81,000 |
| Chicago-Naperville-Arlington Heights, IL | 257 | $ 65,046,000 | $ 253,097 | $ 112,000 |
| Champaign-Urbana, IL | 206 | $ 34,319,000 | $ 166,597 | $ 117,000 |
| Elgin, IL | 64 | $ 10,769,000 | $ 168,265 | $ 95,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,304,000 | $ 163,000 | $ 95,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 936,000 | $ 133,714 | $ 43,000 |
| Springfield, IL | 6 | $ 1,051,000 | $ 175,166 | $ 182,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 494,000 | $ 98,800 | $ 200,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,841,000 | $ 368,200 | $ 1,210,000 |
| Rockford, IL | 5 | $ 750,000 | $ 150,000 | $ 75,000 |
| Michigan City-La Porte, IN | 4 | $ 780,000 | $ 195,000 | $ 0 |
| St. Louis, MO-IL | 4 | $ 289,000 | $ 72,250 | $ 56,500 |
| Daphne-Fairhope-Foley, AL | 2 | $ 465,000 | $ 232,500 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 643,000 | $ 321,500 | $ 195,000 |
| Charleston-North Charleston, SC | 1 | $ 345,000 | $ 345,000 | $ 1,010,000 |
| Columbus, OH | 1 | $ 99,000 | $ 99,000 | $ 365,000 |
| Dallas-Plano-Irving, TX | 1 | $ 193,000 | $ 193,000 | $ 205,000 |
| Danville, IL | 1 | $ 49,000 | $ 49,000 | $ 52,000 |
| Decatur, IL | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
| Des Moines-West Des Moines, IA | 1 | $ 307,000 | $ 307,000 | $ 185,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 368,000 | $ 368,000 | $ 233,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| Kankakee, IL | 1 | $ 90,000 | $ 90,000 | $ 97,000 |
| Mobile, AL | 1 | $ 16,825,000 | $ 16,825,000 | $ 0 |
| Muskegon, MI | 1 | $ 300,000 | $ 300,000 | $ 356,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 160,000 | $ 160,000 | $ 37,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Waco, TX | 1 | $ 118,000 | $ 118,000 | $ 145,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 395,000 | $ 395,000 | $ 526,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2015
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 | 969 | $168,598,000 | $173,000 | $16,825,000 | $104,000 | $2,023,000 |
| Home Purchase | 639 | $110,324,000 | $172,000 | $3,625,000 | $102,000 | $1,094,000 |
| Home Improvement | 204 | $20,543,000 | $100,000 | $815,000 | $86,000 | $1,079,000 |
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 | 1,553 | $226,745,000 | $146,000 | $544,000 | $108,000 | $2,023,000 |
| Not applicable | 104 | $49,622,000 | $477,000 | $16,825,000 | $0 | $0 |
| Not Provided | 71 | $9,666,000 | $136,000 | $500,000 | $85,000 | $905,000 |
| Hispanic | 40 | $5,031,000 | $125,000 | $540,000 | $91,000 | $477,000 |
| Black or African American | 25 | $3,368,000 | $134,000 | $340,000 | $129,000 | $995,000 |
| Asian | 17 | $4,755,000 | $279,000 | $436,000 | $212,000 | $468,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $278,000 | $139,000 | $253,000 | $46,000 | $48,000 |
| American Indian or Alaskan Native | 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) | 1,779 | $295,945,000 | $166,000 | $16,825,000 | $102,000 | $2,023,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,899,000 | $111,000 | $322,000 | $51,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $621,000 | $88,000 | $124,000 | $43,000 | $54,000 |
| 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 | 1,295 | $231,808,000 | $179,000 | $16,825,000 | $106,000 | $1,808,000 |
| Application Denied By Financial Institution | 288 | $34,994,000 | $121,000 | $540,000 | $71,000 | $1,068,000 |
| Application Withdrawn By Applicant | 122 | $18,168,000 | $148,000 | $417,000 | $99,000 | $420,000 |
| Application Approved But Not Accepted | 106 | $14,442,000 | $136,000 | $417,000 | $136,000 | $2,023,000 |
| Loan Purchased By The Institution | 1 | $53,000 | $53,000 | $53,000 | $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 2015 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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