Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Heartland Bank & Trust Company of Bloomington, IL reported 1,228 mortgage applications totaling $217.4 million, down 32% from 2016. The average application was for $177,013, and applicants reported an average income of $95,352. 70% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Bloomington, IL (365), Chicago-Naperville-Arlington Heights, IL (236) and Peoria, IL (226) (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 | 1,228 |
| Total Mortgage Loan Application Amount | $217,372,000 |
| Average Mortgage Loan Application Amount | $177,013 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $95,352 |
| Highest Applicant Income | $1,372,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 365 | $ 50,190,000 | $ 137,506 | $ 101,000 |
| Chicago-Naperville-Arlington Heights, IL | 236 | $ 85,033,000 | $ 360,309 | $ 108,000 |
| Peoria, IL | 226 | $ 25,585,000 | $ 113,207 | $ 84,000 |
| Champaign-Urbana, IL | 106 | $ 19,151,000 | $ 180,669 | $ 107,000 |
| Elgin, IL | 90 | $ 12,827,000 | $ 142,522 | $ 78,000 |
| Lake County-Kenosha County, IL-WI | 22 | $ 3,236,000 | $ 147,090 | $ 47,000 |
| Rockford, IL | 5 | $ 397,000 | $ 79,400 | $ 110,000 |
| Springfield, IL | 5 | $ 931,000 | $ 186,200 | $ 113,000 |
| Danville, IL | 3 | $ 1,000,000 | $ 333,333 | $ 105,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 298,000 | $ 99,333 | $ 86,666 |
| Decatur, IL | 3 | $ 295,000 | $ 98,333 | $ 41,000 |
| Baton Rouge, LA | 2 | $ 535,000 | $ 267,500 | $ 249,000 |
| Bloomington, IN | 2 | $ 157,000 | $ 78,500 | $ 40,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 473,000 | $ 236,500 | $ 131,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 350,000 | $ 175,000 | $ 182,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 369,000 | $ 184,500 | $ 128,000 |
| Tucson, AZ | 2 | $ 380,000 | $ 190,000 | $ 131,000 |
| Austin-Round Rock, TX | 1 | $ 330,000 | $ 330,000 | $ 255,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 180,000 | $ 180,000 | $ 126,000 |
| Fond Du Lac, WI | 1 | $ 76,000 | $ 76,000 | $ 44,000 |
| Gary, IN | 1 | $ 355,000 | $ 355,000 | $ 154,000 |
| Jacksonville, FL | 1 | $ 95,000 | $ 95,000 | $ 134,000 |
| Kankakee, IL | 1 | $ 67,000 | $ 67,000 | $ 169,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 293,000 | $ 293,000 | $ 135,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Raleigh, NC | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Sheboygan, WI | 1 | $ 59,000 | $ 59,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 94,000 | $ 94,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2017
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 | 630 | $104,533,000 | $165,000 | $2,681,000 | $85,000 | $1,236,000 |
| Refinancing | 449 | $81,297,000 | $181,000 | $2,865,000 | $109,000 | $1,200,000 |
| Home Improvement | 149 | $31,542,000 | $211,000 | $14,000,000 | $98,000 | $1,372,000 |
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 | 988 | $139,997,000 | $141,000 | $1,238,000 | $107,000 | $1,372,000 |
| Not applicable | 144 | $61,918,000 | $429,000 | $14,000,000 | $0 | $0 |
| Hispanic | 40 | $5,210,000 | $130,000 | $1,000,000 | $96,000 | $602,000 |
| Asian | 20 | $4,154,000 | $207,000 | $424,000 | $131,000 | $481,000 |
| Black or African American | 15 | $1,910,000 | $127,000 | $342,000 | $90,000 | $242,000 |
| Not Provided | 15 | $2,927,000 | $195,000 | $835,000 | $116,000 | $311,000 |
| American Indian or Alaskan Native | 3 | $463,000 | $154,000 | $424,000 | $93,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $793,000 | $264,000 | $424,000 | $642,000 | $828,000 |
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) | 1,214 | $215,632,000 | $177,000 | $14,000,000 | $96,000 | $1,372,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,672,000 | $128,000 | $194,000 | $54,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $68,000 | $68,000 | $68,000 | $36,000 | $36,000 |
| 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 | 855 | $166,945,000 | $195,000 | $14,000,000 | $95,000 | $1,372,000 |
| Application Denied By Financial Institution | 222 | $24,590,000 | $110,000 | $1,238,000 | $71,000 | $907,000 |
| Application Withdrawn By Applicant | 95 | $16,107,000 | $169,000 | $1,238,000 | $136,000 | $1,032,000 |
| Application Approved But Not Accepted | 56 | $9,730,000 | $173,000 | $1,000,000 | $132,000 | $828,000 |
| 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 2017 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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