Heartland Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Heartland Bank And Trust Company 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Heartland Bank And Trust Company 401 N Hershey Rd Bloomington, IL 61704 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,799 |
| Total Mortgage Loan Application Amount | $291,088,000 |
| Average Mortgage Loan Application Amount | $143,333 |
| Highest Mortgage Loan Application Amount | $2,480,000 |
| Average Applicant Income | $102,666 |
| Highest Applicant Income | $2,160,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Heartland Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Heartland Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Heartland Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Heartland Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Heartland Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Heartland Bank And Trust Company's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McLean County Illinois | 515 | $ 79,954,000 | $ 155,000 | $ 116,000 |
| Champaign County Illinois | 189 | $ 34,496,000 | $ 182,000 | $ 121,000 |
| Tazewell County Illinois | 166 | $ 21,967,000 | $ 132,000 | $ 86,000 |
| Cook County Illinois | 136 | $ 44,050,000 | $ 323,000 | $ 161,000 |
| Woodford County Illinois | 92 | $ 11,275,000 | $ 122,000 | $ 92,000 |
| DeKalb County Illinois | 88 | $ 9,357,000 | $ 106,000 | $ 64,000 |
| Peoria County Illinois | 87 | $ 10,413,000 | $ 119,000 | $ 115,000 |
| Will County Illinois | 73 | $ 11,835,000 | $ 162,000 | $ 100,000 |
| Bureau County Illinois | 68 | $ 5,540,000 | $ 81,000 | $ 74,000 |
| LaSalle County Illinois | 67 | $ 7,475,000 | $ 111,000 | $ 70,000 |
| Kane County Illinois | 51 | $ 7,865,000 | $ 154,000 | $ 70,000 |
| DuPage County Illinois | 31 | $ 12,251,000 | $ 395,000 | $ 172,000 |
| Kendall County Illinois | 26 | $ 3,612,000 | $ 138,000 | $ 89,000 |
| Lake County Illinois | 21 | $ 2,592,000 | $ 123,000 | $ 74,000 |
| McHenry County Illinois | 18 | $ 3,020,000 | $ 167,000 | $ 92,000 |
| Grundy County Illinois | 14 | $ 1,961,000 | $ 140,000 | $ 81,000 |
| Piatt County Illinois | 13 | $ 1,949,000 | $ 149,000 | $ 101,000 |
| De Witt County Illinois | 12 | $ 1,206,000 | $ 100,000 | $ 87,000 |
| Ford County Illinois | 12 | $ 1,112,000 | $ 92,000 | $ 60,000 |
| Putnam County Illinois | 12 | $ 1,233,000 | $ 102,000 | $ 73,000 |
| Kenosha County Wisconsin | 11 | $ 1,683,000 | $ 153,000 | $ 139,000 |
| Marshall County Illinois | 9 | $ 1,134,000 | $ 126,000 | $ 46,000 |
| Sangamon County Illinois | 6 | $ 1,209,000 | $ 201,000 | $ 208,000 |
| Maricopa County Arizona | 5 | $ 1,227,000 | $ 245,000 | $ 173,000 |
| Stark County Illinois | 4 | $ 151,000 | $ 37,000 | $ 52,000 |
| Jo Daviess County Illinois | 3 | $ 473,000 | $ 157,000 | $ 166,000 |
| Knox County Illinois | 3 | $ 233,000 | $ 77,000 | $ 102,000 |
| Logan County Illinois | 3 | $ 263,000 | $ 87,000 | $ 9,000 |
| Pinal County Arizona | 2 | $ 250,000 | $ 125,000 | $ 47,000 |
| Boone County Illinois | 2 | $ 347,000 | $ 173,000 | $ 87,000 |
| Douglas County Illinois | 2 | $ 58,000 | $ 29,000 | $ 17,000 |
| Fulton County Illinois | 2 | $ 201,000 | $ 100,000 | $ 115,000 |
| Jersey County Illinois | 2 | $ 396,000 | $ 198,000 | $ 148,000 |
| Lee County Illinois | 2 | $ 246,000 | $ 123,000 | $ 48,000 |
| Livingston County Illinois | 2 | $ 252,000 | $ 126,000 | $ 66,000 |
| Moultrie County Illinois | 2 | $ 144,000 | $ 72,000 | $ 232,000 |
| Hamilton County Indiana | 2 | $ 809,000 | $ 404,000 | $ 380,000 |
| LaPorte County Indiana | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Marion County Indiana | 2 | $ 264,000 | $ 132,000 | $ 57,000 |
| Benton County Oregon | 2 | $ 744,000 | $ 372,000 | $ 360,000 |
| Williamson County Tennessee | 2 | $ 448,000 | $ 224,000 | $ 144,000 |
| Travis County Texas | 2 | $ 585,000 | $ 292,000 | $ 410,000 |
| Baldwin County Alabama | 1 | $ 164,000 | $ 164,000 | $ 126,000 |
| Bay County Florida | 1 | $ 225,000 | $ 225,000 | $ 181,000 |
| Broward County Florida | 1 | $ 354,000 | $ 354,000 | $ 366,000 |
| Hillsborough County Florida | 1 | $ 266,000 | $ 266,000 | $ 84,000 |
| DeKalb County Georgia | 1 | $ 70,000 | $ 70,000 | $ 113,000 |
| Coles County Illinois | 1 | $ 120,000 | $ 120,000 | $ 159,000 |
| Effingham County Illinois | 1 | $ 230,000 | $ 230,000 | $ 310,000 |
| Henry County Illinois | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Jefferson County Illinois | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| Johnson County Illinois | 1 | $ 96,000 | $ 96,000 | $ 128,000 |
| Mason County Illinois | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Ogle County Illinois | 1 | $ 87,000 | $ 87,000 | $ 249,000 |
| Schuyler County Illinois | 1 | $ 33,000 | $ 33,000 | $ 44,000 |
| Warren County Illinois | 1 | $ 132,000 | $ 132,000 | $ 72,000 |
| Winnebago County Illinois | 1 | $ 243,000 | $ 243,000 | $ 160,000 |
| Clark County Indiana | 1 | $ 130,000 | $ 130,000 | $ 140,000 |
| Fountain County Indiana | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 331,000 | $ 331,000 | $ 95,000 |
| Lake County Indiana | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Porter County Indiana | 1 | $ 149,000 | $ 149,000 | $ 36,000 |
| St. Joseph County Indiana | 1 | $ 417,000 | $ 417,000 | $ 746,000 |
| Linn County Iowa | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Johnson County Kansas | 1 | $ 385,000 | $ 385,000 | $ 78,000 |
| Henderson County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 100,000 |
| Kent County Michigan | 1 | $ 169,000 | $ 169,000 | $ 130,000 |
| Harrison County Mississippi | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Camden County Missouri | 1 | $ 348,000 | $ 348,000 | $ 1,167,000 |
| Morgan County Missouri | 1 | $ 140,000 | $ 140,000 | $ 91,000 |
| St. Louis City County Missouri | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Philadelphia County Pennsylvania | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Dallas County Texas | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Dunn County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 122,000 |
| Juneau County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 34,000 |
| Oneida County Wisconsin | 1 | $ 384,000 | $ 384,000 | $ 429,000 |
| Walworth County Wisconsin | 1 | $ 206,000 | $ 206,000 | $ 1,065,000 |
| Waukesha County Wisconsin | 1 | $ 319,000 | $ 319,000 | $ 208,000 |
Mortgage Loan Application Detail Totals for Heartland Bank And Trust Company in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 910 | $165,192,000 | $181,000 | $2,480,000 | $123,000 | $2,160,000 |
| Home Purchase | 656 | $105,014,000 | $160,000 | $1,990,000 | $96,000 | $1,167,000 |
| Home Improvement | 233 | $20,882,000 | $89,000 | $1,070,000 | $89,000 | $398,000 |
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 | 1,504 | $233,245,000 | $155,000 | $1,890,000 | $119,000 | $2,160,000 |
| Not applicable | 123 | $32,360,000 | $263,000 | $2,480,000 | $0 | $0 |
| Not Provided | 73 | $12,572,000 | $172,000 | $1,990,000 | $121,000 | $828,000 |
| Hispanic | 51 | $5,430,000 | $106,000 | $386,000 | $64,000 | $360,000 |
| Asian | 28 | $4,909,000 | $175,000 | $793,000 | $112,000 | $828,000 |
| Black or African American | 15 | $1,737,000 | $115,000 | $331,000 | $81,000 | $221,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $347,000 | $115,000 | $204,000 | $123,000 | $223,000 |
| American Indian or Alaskan Native | 2 | $488,000 | $244,000 | $450,000 | $68,000 | $102,000 |
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) | 1,772 | $287,510,000 | $162,000 | $2,480,000 | $109,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,742,000 | $137,000 | $195,000 | $62,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $836,000 | $119,000 | $206,000 | $30,000 | $57,000 |
| 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 | 1,235 | $205,771,000 | $166,000 | $2,480,000 | $112,000 | $2,160,000 |
| Application Denied By Financial Institution | 272 | $33,009,000 | $121,000 | $954,000 | $75,000 | $828,000 |
| Application Withdrawn By Applicant | 197 | $37,560,000 | $190,000 | $1,990,000 | $126,000 | $828,000 |
| Application Approved But Not Accepted | 95 | $14,748,000 | $155,000 | $417,000 | $123,000 | $1,065,000 |
| 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 And Trust Company's 2016 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 And 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.