Lenders › Heartland Bank and Trust Company › Illinois
Heartland Bank and Trust Company in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Heartland Bank and Trust Company's 2024 HMDA record for Illinois covers 805 applications, 590 of them originated, worth $114m.
Its denial rate in the state was 12.1%, below the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 11.5%.
The median rate spread on its Illinois originations was 0.5 percentage points (state median 0.5).
Applications in the state were down 29% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Heartland Bank and Trust Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.1% | 23.3% | 11.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.9% | 15.4% | 8.0% | 15.6% |
| Average originated loan | $194k | $273k | $200k | $329k |
| Home purchase share | 74.2% | 61.1% | 74.6% | 57.0% |
| FHA-insured share | 4.1% | 10.7% | 3.9% | 13.4% |
| VA-guaranteed share | 1.4% | 4.9% | 1.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 74% (438)Home improvement 3% (17)Refinancing 5% (32)Cash-out refinancing 11% (62)Other purpose 7% (41)
By type
Conventional 93% (546)FHA 4% (24)VA 1% (8)USDA 2% (12)
Denial reasons as coded
Share of 88 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sangamon County | 109 | 85 | $14m | 12.4% |
| Cook County | 76 | 69 | $36m | 2.7% |
| McLean County | 79 | 60 | $12m | 11.3% |
| Macon County | 55 | 43 | $5.5m | 13.0% |
| Bureau County | 50 | 40 | $4.3m | 8.0% |
| Champaign County | 31 | 18 | $4.0m | 18.5% |
| Christian County | 25 | 18 | $2.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Heartland Bank and Trust Company originate in Illinois in 2024?
590 loans totalling $114m, from 805 applications reported for properties in Illinois.
What is Heartland Bank and Trust Company's denial rate in Illinois?
12.1% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 11.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does Heartland Bank and Trust Company lend in most?
By originations: Sangamon County (85), Cook County (69), McLean County (60), Macon County (43), Bureau County (40).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.