Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Heartland Bank & Trust Company of Bloomington, IL reported 1,352 mortgage applications totaling $151.6 million, down 19% from 2005. The average application was for $112,130, and applicants reported an average income of $84,896. 90% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Bloomington-Normal, IL (510), Peoria, IL (427) and Champaign-Urbana, IL (315) (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 | 1,352 |
| Total Mortgage Loan Application Amount | $151,601,000 |
| Average Mortgage Loan Application Amount | $112,130 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $84,896 |
| Highest Applicant Income | $1,289,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 690 | $83,456,000 | $120,000 | $1,100,000 | $84,000 | $670,000 |
| Refinancing | 460 | $59,810,000 | $130,000 | $900,000 | $84,000 | $831,000 |
| Home Improvement | 202 | $8,335,000 | $41,000 | $463,000 | $90,000 | $1,289,000 |
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 | 1,246 | $136,531,000 | $109,000 | $900,000 | $89,000 | $1,289,000 |
| Not applicable | 54 | $7,572,000 | $140,000 | $899,000 | $0 | $0 |
| Asian | 19 | $3,841,000 | $202,000 | $1,100,000 | $80,000 | $215,000 |
| Black or African American | 13 | $1,693,000 | $130,000 | $210,000 | $75,000 | $156,000 |
| Not Provided | 13 | $1,096,000 | $84,000 | $214,000 | $72,000 | $113,000 |
| Hispanic | 4 | $530,000 | $132,000 | $230,000 | $79,000 | $161,000 |
| American Indian or Alaskan Native | 2 | $118,000 | $59,000 | $78,000 | $53,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $220,000 | $220,000 | $220,000 | $348,000 | $348,000 |
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) | 1,345 | $150,897,000 | $112,000 | $1,100,000 | $85,000 | $1,289,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $704,000 | $100,000 | $156,000 | $39,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,223 | $137,411,000 | $112,000 | $1,100,000 | $86,000 | $1,289,000 |
| Application Denied By Financial Institution | 69 | $5,529,000 | $80,000 | $257,000 | $61,000 | $350,000 |
| Application Approved But Not Accepted | 45 | $7,385,000 | $164,000 | $584,000 | $94,000 | $325,000 |
| Application Withdrawn By Applicant | 13 | $1,099,000 | $84,000 | $204,000 | $49,000 | $90,000 |
| Loan Purchased By The Institution | 2 | $177,000 | $88,000 | $99,000 | $89,000 | $179,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 43 | $3,121,000 | $72,000 | $257,000 | $58,000 | $201,000 |
| Debt-To-Income Ratio | 17 | $1,900,000 | $111,000 | $223,000 | $60,000 | $114,000 |
| Collateral | 5 | $249,000 | $49,000 | $74,000 | $116,000 | $350,000 |
| Employment History | 2 | $122,000 | $61,000 | $118,000 | $43,000 | $57,000 |
| Credit Application Incomplete | 1 | $77,000 | $77,000 | $77,000 | $0 | $0 |
| Other | 1 | $60,000 | $60,000 | $60,000 | $53,000 | $53,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2006 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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