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- Data Updated through 2023
Heartland Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Heartland Bank And Trust Company 2021 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 | 2,159 |
| Total Mortgage Loan Application Amount | $380,925,000 |
| Average Mortgage Loan Application Amount | $151,800 |
| Highest Mortgage Loan Application Amount | $6,755,000 |
| Average Applicant Income | $116,800 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Illinois | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Allegheny County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Baldwin County Alabama | 2 | $ 510,000 | $ 255,000 | $ 124,000 |
| Berrien County Michigan | 3 | $ 965,000 | $ 321,000 | $ 161,000 |
| Black Hawk County Iowa | 3 | $ 1,245,000 | $ 415,000 | $ 0 |
| Bond County Illinois | 2 | $ 370,000 | $ 185,000 | $ 90,000 |
| Broward County Florida | 1 | $ 1,685,000 | $ 1,685,000 | $ 3,600,000 |
| Bureau County Illinois | 90 | $ 9,060,000 | $ 100,000 | $ 65,000 |
| Camden County Missouri | 6 | $ 1,910,000 | $ 318,000 | $ 277,000 |
| Campbell County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 273,000 |
| Cass County Missouri | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Champaign County Illinois | 161 | $ 24,635,000 | $ 153,000 | $ 114,000 |
| Charlevoix County Michigan | 1 | $ 735,000 | $ 735,000 | $ 713,000 |
| Charlotte County Florida | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Cherokee County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Christian County Illinois | 11 | $ 1,325,000 | $ 120,000 | $ 83,000 |
| Clark County Illinois | 2 | $ 240,000 | $ 120,000 | $ 49,000 |
| Clay County Florida | 1 | $ 125,000 | $ 125,000 | $ 179,000 |
| Clay County Illinois | 12 | $ 1,520,000 | $ 126,000 | $ 65,000 |
| Clinton County Illinois | 15 | $ 1,985,000 | $ 132,000 | $ 88,000 |
| Coles County Illinois | 20 | $ 2,610,000 | $ 130,000 | $ 77,000 |
| Collier County Florida | 4 | $ 820,000 | $ 205,000 | $ 342,000 |
| Collin County Texas | 1 | $ 545,000 | $ 545,000 | $ 662,000 |
| Cook County Illinois | 141 | $ 58,305,000 | $ 413,000 | $ 172,000 |
| Crawford County Illinois | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Cumberland County Illinois | 3 | $ 395,000 | $ 131,000 | $ 77,000 |
| Dallas County Iowa | 1 | $ 545,000 | $ 545,000 | $ 204,000 |
| Davidson County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| De Witt County Illinois | 37 | $ 5,115,000 | $ 138,000 | $ 97,000 |
| DeKalb County Illinois | 79 | $ 15,415,000 | $ 195,000 | $ 116,000 |
| Douglas County Illinois | 8 | $ 740,000 | $ 92,000 | $ 65,000 |
| DuPage County Illinois | 43 | $ 10,895,000 | $ 253,000 | $ 235,000 |
| Edgar County Illinois | 10 | $ 730,000 | $ 73,000 | $ 79,000 |
| Edwards County Illinois | 5 | $ 555,000 | $ 111,000 | $ 53,000 |
| Effingham County Illinois | 20 | $ 3,030,000 | $ 151,000 | $ 82,000 |
| Essex County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Fayette County Illinois | 8 | $ 900,000 | $ 112,000 | $ 79,000 |
| Ford County Illinois | 27 | $ 3,575,000 | $ 132,000 | $ 91,000 |
| Franklin County Illinois | 8 | $ 890,000 | $ 111,000 | $ 71,000 |
| Fulton County Illinois | 5 | $ 745,000 | $ 149,000 | $ 75,000 |
| Gallatin County Illinois | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Gibson County Indiana | 6 | $ 870,000 | $ 145,000 | $ 54,000 |
| Grand Traverse County Michigan | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Grundy County Illinois | 15 | $ 3,005,000 | $ 200,000 | $ 92,000 |
| Hamilton County Illinois | 1 | $ 225,000 | $ 225,000 | $ 196,000 |
| Hamilton County Indiana | 2 | $ 400,000 | $ 200,000 | $ 133,000 |
| Henderson County Illinois | 2 | $ 290,000 | $ 145,000 | $ 59,000 |
| Henry County Illinois | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Henry County Iowa | 2 | $ 130,000 | $ 65,000 | $ 33,000 |
| Henry County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Howard County Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Iroquois County Illinois | 7 | $ 945,000 | $ 135,000 | $ 51,000 |
| Jackson County Illinois | 5 | $ 385,000 | $ 77,000 | $ 76,000 |
| Jackson County Missouri | 2 | $ 530,000 | $ 265,000 | $ 185,000 |
| Jasper County Illinois | 3 | $ 335,000 | $ 111,000 | $ 91,000 |
| Jefferson County Illinois | 58 | $ 7,650,000 | $ 131,000 | $ 81,000 |
| Jefferson County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Jefferson County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Jo Daviess County Illinois | 1 | $ 75,000 | $ 75,000 | $ 178,000 |
| Johnson County Illinois | 6 | $ 890,000 | $ 148,000 | $ 138,000 |
| Johnson County Iowa | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Kane County Illinois | 33 | $ 8,605,000 | $ 260,000 | $ 89,000 |
| Kankakee County Illinois | 3 | $ 535,000 | $ 178,000 | $ 84,000 |
| Kendall County Illinois | 39 | $ 7,955,000 | $ 203,000 | $ 136,000 |
| Kenosha County Wisconsin | 9 | $ 875,000 | $ 97,000 | $ 81,000 |
| Knox County Indiana | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| Knox County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lake County Illinois | 34 | $ 5,560,000 | $ 163,000 | $ 119,000 |
| Lake County Indiana | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| LaPorte County Indiana | 3 | $ 915,000 | $ 305,000 | $ 227,000 |
| LaSalle County Illinois | 66 | $ 8,210,000 | $ 124,000 | $ 73,000 |
| Lawrence County Illinois | 4 | $ 720,000 | $ 180,000 | $ 69,000 |
| Lee County Florida | 4 | $ 8,200,000 | $ 2,050,000 | $ 150,000 |
| Lee County Illinois | 2 | $ 600,000 | $ 300,000 | $ 93,000 |
| Livingston County Illinois | 21 | $ 2,825,000 | $ 134,000 | $ 107,000 |
| Logan County Illinois | 60 | $ 6,860,000 | $ 114,000 | $ 110,000 |
| Macon County Illinois | 53 | $ 7,025,000 | $ 132,000 | $ 82,000 |
| Madison County Illinois | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Manatee County Florida | 1 | $ 655,000 | $ 655,000 | $ 1,786,000 |
| Maricopa County Arizona | 2 | $ 400,000 | $ 200,000 | $ 116,000 |
| Marion County Illinois | 18 | $ 2,340,000 | $ 130,000 | $ 103,000 |
| Marquette County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 138,000 |
| Marshall County Illinois | 13 | $ 1,175,000 | $ 90,000 | $ 59,000 |
| Mason County Illinois | 5 | $ 475,000 | $ 95,000 | $ 66,000 |
| McDonough County Illinois | 8 | $ 750,000 | $ 93,000 | $ 62,000 |
| McHenry County Illinois | 13 | $ 2,455,000 | $ 188,000 | $ 153,000 |
| McLean County Illinois | 351 | $ 54,455,000 | $ 155,000 | $ 129,000 |
| Mecklenburg County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 168,000 |
| Milwaukee County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Monroe County Indiana | 1 | $ 545,000 | $ 545,000 | $ 262,000 |
| Montgomery County Illinois | 14 | $ 2,090,000 | $ 149,000 | $ 107,000 |
| Morgan County Illinois | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Moultrie County Illinois | 3 | $ 405,000 | $ 135,000 | $ 78,000 |
| Okaloosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 261,000 |
| Orange County Florida | 1 | $ 535,000 | $ 535,000 | $ 1,414,000 |
| Palm Beach County Florida | 2 | $ 1,880,000 | $ 940,000 | $ 803,000 |
| Pasco County Florida | 5 | $ 925,000 | $ 185,000 | $ 80,000 |
| Peoria County Illinois | 49 | $ 6,585,000 | $ 134,000 | $ 100,000 |
| Piatt County Illinois | 15 | $ 3,155,000 | $ 210,000 | $ 171,000 |
| Pinal County Arizona | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Pinellas County Florida | 1 | $ 65,000 | $ 65,000 | $ 151,000 |
| Pope County Illinois | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Posey County Indiana | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Putnam County Illinois | 15 | $ 1,715,000 | $ 114,000 | $ 57,000 |
| Richland County Illinois | 2 | $ 180,000 | $ 90,000 | $ 44,000 |
| Riverside County California | 1 | $ 1,485,000 | $ 1,485,000 | $ 0 |
| Russell County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Rutherford County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| San Diego County California | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Sangamon County Illinois | 3 | $ 475,000 | $ 158,000 | $ 26,000 |
| Sarasota County Florida | 2 | $ 220,000 | $ 110,000 | $ 226,000 |
| Scott County Iowa | 2 | $ 250,000 | $ 125,000 | $ 53,000 |
| Shelby County Illinois | 7 | $ 975,000 | $ 139,000 | $ 83,000 |
| Shelby County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 0 |
| St. Charles County Missouri | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| St. Clair County Illinois | 4 | $ 710,000 | $ 177,000 | $ 78,000 |
| St. Johns County Florida | 1 | $ 255,000 | $ 255,000 | $ 181,000 |
| St. Joseph County Indiana | 1 | $ 305,000 | $ 305,000 | $ 344,000 |
| St. Louis City County Missouri | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Stark County Illinois | 4 | $ 390,000 | $ 97,000 | $ 58,000 |
| Summit County Colorado | 1 | $ 1,745,000 | $ 1,745,000 | $ 0 |
| Tazewell County Illinois | 91 | $ 10,695,000 | $ 117,000 | $ 96,000 |
| Union County Illinois | 12 | $ 2,170,000 | $ 180,000 | $ 106,000 |
| Van Buren County Michigan | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Vance County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 156,000 |
| Vanderburgh County Indiana | 4 | $ 740,000 | $ 185,000 | $ 122,000 |
| Vermilion County Illinois | 19 | $ 1,655,000 | $ 87,000 | $ 69,000 |
| Vermillion County Indiana | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Wabash County Illinois | 62 | $ 7,650,000 | $ 123,000 | $ 69,000 |
| Walton County Florida | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Walworth County Wisconsin | 2 | $ 830,000 | $ 415,000 | $ 726,000 |
| Warren County Illinois | 6 | $ 840,000 | $ 140,000 | $ 94,000 |
| Washington County Illinois | 22 | $ 4,270,000 | $ 194,000 | $ 136,000 |
| Waushara County Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 196,000 |
| Wayne County Illinois | 2 | $ 290,000 | $ 145,000 | $ 73,000 |
| White County Illinois | 26 | $ 2,940,000 | $ 113,000 | $ 71,000 |
| Whiteside County Illinois | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Will County Illinois | 56 | $ 8,450,000 | $ 150,000 | $ 128,000 |
| Williamson County Illinois | 21 | $ 2,475,000 | $ 117,000 | $ 98,000 |
| Woodford County Illinois | 74 | $ 11,900,000 | $ 160,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Heartland Bank And Trust Company in 2021
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 | 924 | $164,100,000 | $177,000 | $6,755,000 | $97,000 | $1,548,000 |
| Cash-out Refinancing | 601 | $106,355,000 | $176,000 | $4,505,000 | $118,000 | $3,600,000 |
| Refinancing | 555 | $101,145,000 | $182,000 | $3,205,000 | $126,000 | $1,656,000 |
| Other Purpose | 53 | $6,825,000 | $128,000 | $535,000 | $165,000 | $1,414,000 |
| Home Improvement | 26 | $2,500,000 | $96,000 | $325,000 | $78,000 | $202,000 |
| 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 | 1,725 | $268,075,000 | $155,000 | $3,205,000 | $110,000 | $3,600,000 |
| Not applicable | 170 | $68,860,000 | $405,000 | $6,755,000 | $0 | $0 |
| Not Provided | 164 | $28,830,000 | $175,000 | $1,995,000 | $147,000 | $1,656,000 |
| Hispanic | 42 | $5,310,000 | $126,000 | $395,000 | $87,000 | $412,000 |
| Black or African American | 38 | $6,620,000 | $174,000 | $725,000 | $129,000 | $525,000 |
| Asian | 18 | $2,970,000 | $165,000 | $335,000 | $90,000 | $486,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $165,000 | $76,000 | $103,000 |
| 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) | 2,032 | $367,290,000 | $180,000 | $6,755,000 | $117,000 | $3,600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 106 | $10,320,000 | $97,000 | $245,000 | $48,000 | $99,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,910,000 | $145,000 | $325,000 | $70,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 1 | $405,000 | $405,000 | $405,000 | $192,000 | $192,000 |
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 | 1,120 | $227,640,000 | $203,000 | $6,755,000 | $119,000 | $1,786,000 |
| Loan Purchased By The Institution | 501 | $66,395,000 | $132,000 | $1,155,000 | $85,000 | $776,000 |
| Application Withdrawn By Applicant | 243 | $45,215,000 | $186,000 | $1,685,000 | $166,000 | $3,600,000 |
| Application Denied By Financial Institution | 171 | $24,695,000 | $144,000 | $945,000 | $84,000 | $1,154,000 |
| Application Approved But Not Accepted | 124 | $16,980,000 | $136,000 | $545,000 | $108,000 | $1,160,000 |
| 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 | 1,988 | $356,230,000 | $179,000 | $6,755,000 | $115,000 | $3,600,000 |
| Credit History | 76 | $9,500,000 | $125,000 | $545,000 | $87,000 | $412,000 |
| Debt-To-Income Ratio | 74 | $12,490,000 | $168,000 | $945,000 | $74,000 | $1,154,000 |
| Collateral | 11 | $1,755,000 | $159,000 | $415,000 | $99,000 | $155,000 |
| Other | 7 | $745,000 | $106,000 | $155,000 | $156,000 | $422,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $100,000 | $50,000 | $55,000 | $49,000 | $54,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $80,000 | $80,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2021 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.
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