Heartland Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Heartland Bank & Trust Company of Bloomington, IL reported 1,027 mortgage applications totaling $245.3 million, up 14% from 2018. The average application was for $238,894, and applicants reported an average income of $122,635. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Bloomington, IL (283), Chicago-Naperville, IL (184) and Peoria, IL (165) (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 | 1,027 |
| Total Mortgage Loan Application Amount | $245,345,000 |
| Average Mortgage Loan Application Amount | $238,894 |
| Highest Mortgage Loan Application Amount | $22,735,000 |
| Average Applicant Income | $122,635 |
| Highest Applicant Income | $2,409,000 |
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records Heartland Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 478 | $133,220,000 | $278,000 | $22,735,000 | $115,000 | $2,409,000 |
| Refinancing | 268 | $57,820,000 | $215,000 | $1,705,000 | $124,000 | $460,000 |
| Cash-out Refinancing | 245 | $52,875,000 | $215,000 | $4,985,000 | $139,000 | $1,389,000 |
| Home Improvement | 18 | $580,000 | $32,000 | $125,000 | $107,000 | $225,000 |
| Other Purpose | 18 | $850,000 | $47,000 | $185,000 | $98,000 | $444,000 |
| 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 | 795 | $133,595,000 | $168,000 | $3,005,000 | $122,000 | $2,409,000 |
| Not applicable | 131 | $96,725,000 | $738,000 | $22,735,000 | $0 | $0 |
| Not Provided | 41 | $7,015,000 | $171,000 | $485,000 | $164,000 | $1,389,000 |
| Hispanic | 32 | $4,350,000 | $135,000 | $425,000 | $99,000 | $369,000 |
| Asian | 14 | $2,020,000 | $144,000 | $295,000 | $130,000 | $904,000 |
| Black or African American | 10 | $1,010,000 | $101,000 | $485,000 | $137,000 | $460,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $195,000 | $225,000 | $225,000 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $109,000 | $109,000 |
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) | 1,022 | $244,890,000 | $239,000 | $22,735,000 | $124,000 | $2,409,000 |
| FHA-insured (Federal Housing Administration) | 5 | $455,000 | $91,000 | $105,000 | $51,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 819 | $212,975,000 | $260,000 | $22,735,000 | $130,000 | $2,409,000 |
| Application Denied By Financial Institution | 104 | $13,010,000 | $125,000 | $485,000 | $81,000 | $904,000 |
| Application Withdrawn By Applicant | 61 | $12,885,000 | $211,000 | $1,375,000 | $131,000 | $1,035,000 |
| Application Approved But Not Accepted | 43 | $6,475,000 | $150,000 | $795,000 | $116,000 | $787,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 923 | $232,335,000 | $251,000 | $22,735,000 | $129,000 | $2,409,000 |
| Credit History | 48 | $4,900,000 | $102,000 | $325,000 | $71,000 | $151,000 |
| Debt-To-Income Ratio | 34 | $5,510,000 | $162,000 | $485,000 | $98,000 | $904,000 |
| Collateral | 19 | $2,295,000 | $120,000 | $345,000 | $79,000 | $232,000 |
| Other | 2 | $250,000 | $125,000 | $155,000 | $82,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank & Trust Company's 2019 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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