Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Heartland Bank & Trust Company of Bloomington, IL reported 1,855 mortgage applications totaling $213.3 million, down 55% from 2003. The average application was for $115,002, and applicants reported an average income of $71,035. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bloomington-Normal, IL (751), Peoria, IL (561) and Champaign-Urbana, IL (438) (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 | 1,855 |
| Total Mortgage Loan Application Amount | $213,329,000 |
| Average Mortgage Loan Application Amount | $115,002 |
| Highest Mortgage Loan Application Amount | $2,457,000 |
| Average Applicant Income | $71,035 |
| Highest Applicant Income | $1,769,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Heartland Bank & Trust Company in 2004
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 | 848 | $103,911,000 | $186,750 | $2,457,000 | $106,916 | $700,000 |
| Refinancing | 759 | $95,497,000 | $165,800 | $1,372,000 | $113,600 | $1,769,000 |
| Home Improvement | 248 | $13,921,000 | $56,000 | $880,000 | $54,000 | $615,000 |
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 | 1,745 | $192,850,000 | $184,933 | $1,372,000 | $110,066 | $1,769,000 |
| Not applicable | 36 | $11,640,000 | $321,500 | $2,457,000 | $0 | $0 |
| Asian | 30 | $3,833,000 | $127,000 | $334,000 | $70,000 | $200,000 |
| Black or African American | 16 | $1,448,000 | $90,000 | $184,000 | $117,000 | $500,000 |
| Not Provided | 14 | $1,977,000 | $141,000 | $297,000 | $86,000 | $275,000 |
| Hispanic | 13 | $1,313,000 | $101,000 | $323,000 | $75,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $268,000 | $268,000 | $268,000 | $226,000 | $226,000 |
| 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) | 1,852 | $213,062,000 | $186,000 | $2,457,000 | $108,000 | $1,769,000 |
| FHA-insured (Federal Housing Administration) | 2 | $183,000 | $91,000 | $162,000 | $20,000 | $38,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $84,000 | $84,000 | $84,000 | $53,000 | $53,000 |
| 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 | 1,712 | $199,350,000 | $201,500 | $2,457,000 | $115,071 | $1,769,000 |
| Application Denied By Financial Institution | 75 | $6,341,000 | $44,500 | $334,000 | $37,500 | $200,000 |
| Application Approved But Not Accepted | 54 | $6,276,000 | $140,500 | $476,000 | $115,000 | $434,000 |
| Application Withdrawn By Applicant | 14 | $1,362,000 | $97,000 | $222,000 | $55,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 46 | $3,476,000 | $40,500 | $334,000 | $37,500 | $200,000 |
| Debt-To-Income Ratio | 21 | $2,180,000 | $103,000 | $225,000 | $49,000 | $129,000 |
| Collateral | 3 | $355,000 | $118,000 | $180,000 | $44,000 | $91,000 |
| Other | 3 | $231,000 | $77,000 | $98,000 | $61,000 | $71,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $32,000 | $32,000 |
| Employment History | 1 | $39,000 | $39,000 | $39,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2004 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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