Lender in Illinois · HMDA 2025
Heartland Bank and Trust Company mortgages in Illinois
Heartland Bank and Trust Company's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Heartland Bank and Trust Company originated 364 owner-occupied single-family loans in Illinois from 493 completed applications.
Its median conventional purchase loan costs were $2,690 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.875% (Illinois: 6.625%).
Loans in IL
364
of 493 applications
Denial rate
9.4%
Purchase · IL 9.2%
Rate spread
+0.45 pts
Conv. · IL +0.27 pts
Loan amount
$155,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 374 | 293 | 9.4% | 6.875% | +0.45 pts | $2,690 | $155,000 |
| Refinance | 27 | 20 | 14.8% | — | +0.52 pts | — | $195,000 |
| Cash-out refinance | 92 | 51 | 26.1% | 7.000% | +0.53 pts | $1,910 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Heartland Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bureau County | 3 | 27 | 8.6% |
| Putnam County | 4 | 4 | 6.8% |
| Scott County | 7 | 2 | 6.3% |
| Sangamon County | 9 | 71 | 2.7% |
| De Witt County | 9 | 6 | 2.9% |
| Macon County | 10 | 43 | 3.4% |
| Christian County | 11 | 10 | 2.8% |
| Woodford County | 11 | 10 | 1.9% |
| Logan County | 13 | 13 | 3.5% |
| Morgan County | 13 | 6 | 2.3% |
| LaSalle County | 14 | 23 | 1.7% |
| Mason County | 15 | 3 | 1.8% |
| McLean County | 18 | 33 | 1.5% |
| Marshall County | 20 | 3 | 1.7% |
| Macoupin County | 22 | 8 | 1.5% |
| McDonough County | 22 | 2 | 0.9% |
| Ford County | 23 | 2 | 0.9% |
| Menard County | 23 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology