Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Heartland Bank & Trust Company of Bloomington, IL reported 1,799 mortgage applications totaling $291.1 million, down 1% from 2015. The average application was for $161,805, and applicants reported an average income of $108,750. 69% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Bloomington, IL (527), Peoria, IL (358) and Chicago-Naperville-Arlington Heights, IL (298) (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 | 1,799 |
| Total Mortgage Loan Application Amount | $291,088,000 |
| Average Mortgage Loan Application Amount | $161,805 |
| Highest Mortgage Loan Application Amount | $2,480,000 |
| Average Applicant Income | $108,750 |
| Highest Applicant Income | $2,160,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 527 | $ 81,160,000 | $ 154,003 | $ 115,000 |
| Peoria, IL | 358 | $ 44,940,000 | $ 125,530 | $ 93,000 |
| Chicago-Naperville-Arlington Heights, IL | 298 | $ 76,729,000 | $ 257,479 | $ 133,000 |
| Champaign-Urbana, IL | 214 | $ 37,557,000 | $ 175,500 | $ 116,000 |
| Elgin, IL | 139 | $ 17,222,000 | $ 123,899 | $ 66,000 |
| Lake County-Kenosha County, IL-WI | 32 | $ 4,275,000 | $ 133,593 | $ 96,343 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 1,477,000 | $ 211,000 | $ 137,000 |
| Springfield, IL | 6 | $ 1,209,000 | $ 201,500 | $ 208,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,404,000 | $ 280,800 | $ 194,000 |
| Rockford, IL | 3 | $ 590,000 | $ 196,666 | $ 111,000 |
| St. Louis, MO-IL | 3 | $ 475,000 | $ 158,333 | $ 112,000 |
| Austin-Round Rock, TX | 2 | $ 585,000 | $ 292,500 | $ 410,000 |
| Corvallis, OR | 2 | $ 744,000 | $ 372,000 | $ 360,000 |
| Gary, IN | 2 | $ 191,000 | $ 95,500 | $ 18,000 |
| Michigan City-La Porte, IN | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 448,000 | $ 224,000 | $ 144,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 70,000 | $ 70,000 | $ 113,000 |
| Cedar Rapids, IA | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Dallas-Plano-Irving, TX | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 164,000 | $ 164,000 | $ 126,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Evansville, IN-KY | 1 | $ 108,000 | $ 108,000 | $ 100,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 354,000 | $ 354,000 | $ 366,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 169,000 | $ 169,000 | $ 130,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Kansas City, MO-KS | 1 | $ 385,000 | $ 385,000 | $ 78,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 130,000 | $ 130,000 | $ 140,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 319,000 | $ 319,000 | $ 208,000 |
| Panama City, FL | 1 | $ 225,000 | $ 225,000 | $ 181,000 |
| Philadelphia, PA | 1 | $ 151,000 | $ 151,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 417,000 | $ 417,000 | $ 746,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 266,000 | $ 266,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2016
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 | 910 | $165,192,000 | $181,000 | $2,480,000 | $123,000 | $2,160,000 |
| Home Purchase | 656 | $105,014,000 | $160,000 | $1,990,000 | $96,000 | $1,167,000 |
| Home Improvement | 233 | $20,882,000 | $89,000 | $1,070,000 | $89,000 | $398,000 |
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 | 1,504 | $233,245,000 | $155,000 | $1,890,000 | $119,000 | $2,160,000 |
| Not applicable | 123 | $32,360,000 | $263,000 | $2,480,000 | $0 | $0 |
| Not Provided | 73 | $12,572,000 | $172,000 | $1,990,000 | $121,000 | $828,000 |
| Hispanic | 51 | $5,430,000 | $106,000 | $386,000 | $64,000 | $360,000 |
| Asian | 28 | $4,909,000 | $175,000 | $793,000 | $112,000 | $828,000 |
| Black or African American | 15 | $1,737,000 | $115,000 | $331,000 | $81,000 | $221,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $347,000 | $115,000 | $204,000 | $123,000 | $223,000 |
| American Indian or Alaskan Native | 2 | $488,000 | $244,000 | $450,000 | $68,000 | $102,000 |
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) | 1,772 | $287,510,000 | $162,000 | $2,480,000 | $109,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,742,000 | $137,000 | $195,000 | $62,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $836,000 | $119,000 | $206,000 | $30,000 | $57,000 |
| 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 | 1,235 | $205,771,000 | $166,000 | $2,480,000 | $112,000 | $2,160,000 |
| Application Denied By Financial Institution | 272 | $33,009,000 | $121,000 | $954,000 | $75,000 | $828,000 |
| Application Withdrawn By Applicant | 197 | $37,560,000 | $190,000 | $1,990,000 | $126,000 | $828,000 |
| Application Approved But Not Accepted | 95 | $14,748,000 | $155,000 | $417,000 | $123,000 | $1,065,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| 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 2016 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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