Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Heartland Bank & Trust Company of Bloomington, IL reported 965 mortgage applications totaling $206.0 million, down 55% from 2021. The average application was for $213,487, and applicants reported an average income of $118,345. 58% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Naperville, IL (147), Bloomington, IL (142) and Peoria, IL (112) (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 | 965 |
| Total Mortgage Loan Application Amount | $206,015,000 |
| Average Mortgage Loan Application Amount | $213,487 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $118,345 |
| Highest Applicant Income | $3,086,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 288 | $ 33,780,000 | $ 117,291 | $ 74,871 |
| Chicago-Naperville, IL | 147 | $ 54,045,000 | $ 367,653 | $ 180,000 |
| Bloomington, IL | 142 | $ 23,180,000 | $ 163,239 | $ 136,000 |
| Peoria, IL | 112 | $ 14,600,000 | $ 130,357 | $ 106,000 |
| Champaign-Urbana, IL | 81 | $ 11,695,000 | $ 144,382 | $ 106,000 |
| Elgin, IL | 60 | $ 9,550,000 | $ 159,166 | $ 120,000 |
| Decatur, IL | 29 | $ 3,345,000 | $ 115,344 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 21 | $ 6,415,000 | $ 305,476 | $ 106,333 |
| Danville, IL | 16 | $ 1,720,000 | $ 107,500 | $ 69,000 |
| Iowa City, IA | 8 | $ 1,230,000 | $ 153,750 | $ 308,000 |
| Cedar Rapids, IA | 6 | $ 1,750,000 | $ 291,666 | $ 398,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 16,820,000 | $ 2,803,333 | $ 194,666 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 2,385,000 | $ 477,000 | $ 419,000 |
| Carbondale-Marion, IL | 4 | $ 770,000 | $ 192,500 | $ 121,000 |
| Springfield, IL | 4 | $ 460,000 | $ 115,000 | $ 117,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,825,000 | $ 608,333 | $ 939,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,005,000 | $ 335,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 550,000 | $ 275,000 | $ 70,000 |
| Dallas-Plano-Irving, TX | 2 | $ 860,000 | $ 430,000 | $ 300,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 2,260,000 | $ 1,130,000 | $ 1,625,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 680,000 | $ 340,000 | $ 150,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 360,000 | $ 180,000 | $ 56,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,050,000 | $ 525,000 | $ 488,000 |
| St. Louis, MO-IL | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Bloomington, IN | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Columbus, OH | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Des Moines-West Des Moines, IA | 1 | $ 485,000 | $ 485,000 | $ 198,000 |
| Evansville, IN-KY | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Kansas City, MO-KS | 1 | $ 395,000 | $ 395,000 | $ 2,539,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 315,000 | $ 315,000 | $ 50,000 |
| Niles-Benton Harbor, MI | 1 | $ 145,000 | $ 145,000 | $ 300,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Racine, WI | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Rockford, IL | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 11,005,000 | $ 11,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2022
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 | 619 | $145,765,000 | $235,000 | $16,005,000 | $110,000 | $2,539,000 |
| Cash-out Refinancing | 143 | $25,475,000 | $178,000 | $1,835,000 | $115,000 | $771,000 |
| Refinancing | 110 | $21,790,000 | $198,000 | $1,375,000 | $139,000 | $1,200,000 |
| Other Purpose | 86 | $12,180,000 | $141,000 | $1,795,000 | $161,000 | $3,086,000 |
| Home Improvement | 7 | $805,000 | $115,000 | $405,000 | $76,000 | $123,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 693 | $105,215,000 | $151,000 | $1,795,000 | $116,000 | $3,086,000 |
| Not applicable | 153 | $80,145,000 | $523,000 | $16,005,000 | $0 | $0 |
| Not Provided | 54 | $8,930,000 | $165,000 | $645,000 | $125,000 | $902,000 |
| Hispanic | 32 | $3,530,000 | $110,000 | $335,000 | $94,000 | $565,000 |
| Black or African American | 17 | $3,225,000 | $189,000 | $485,000 | $140,000 | $488,000 |
| Asian | 10 | $2,760,000 | $276,000 | $1,005,000 | $324,000 | $1,200,000 |
| American Indian or Alaskan Native | 5 | $625,000 | $125,000 | $255,000 | $48,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 914 | $200,660,000 | $219,000 | $16,005,000 | $124,000 | $3,086,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $3,940,000 | $98,000 | $165,000 | $47,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,415,000 | $128,000 | $215,000 | $63,000 | $113,000 |
| 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 | 564 | $148,760,000 | $263,000 | $16,005,000 | $140,000 | $3,086,000 |
| Loan Purchased By The Institution | 118 | $15,560,000 | $131,000 | $505,000 | $72,000 | $250,000 |
| Application Withdrawn By Applicant | 109 | $18,555,000 | $170,000 | $645,000 | $152,000 | $1,724,000 |
| Application Denied By Financial Institution | 101 | $12,555,000 | $124,000 | $1,585,000 | $81,000 | $1,200,000 |
| Application Approved But Not Accepted | 73 | $10,585,000 | $145,000 | $635,000 | $89,000 | $350,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 864 | $193,460,000 | $223,000 | $16,005,000 | $125,000 | $3,086,000 |
| Credit History | 56 | $7,820,000 | $139,000 | $1,585,000 | $104,000 | $1,200,000 |
| Debt-To-Income Ratio | 28 | $3,300,000 | $117,000 | $455,000 | $39,000 | $80,000 |
| Other | 8 | $660,000 | $82,000 | $155,000 | $58,000 | $121,000 |
| Collateral | 5 | $325,000 | $65,000 | $105,000 | $134,000 | $257,000 |
| Unverifiable Information | 2 | $170,000 | $85,000 | $115,000 | $45,000 | $48,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $45,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $82,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2022 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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