Heartland Bank And Trust Company mortgage approval rate & lending review
Heartland Bank And Trust Company decided 1,817 mortgage applications and funded 1,476 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heartland Bank And Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heartland Bank And Trust Company at a glance
Approval is 5.9 points above the 82.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 849 / 931 | 91% | $145K | 774 |
| Home improvement loans | 75% | 114 / 152 | 97% | $35K | 111 |
| Cash-out refinance | 68% | 133 / 196 | 81% | $115K | 108 |
| Refinance | 81% | 81 / 100 | 93% | $65K | 75 |
| Investment property purchase | 99% | 349 / 354 | 98% | $125K | 342 |
| Investment cash-out refinance | 76% | 29 / 38 | 93% | $105K | 27 |
| Investment refinance | 94% | 29 / 31 | 97% | $185K | 28 |
Heartland Bank And Trust Company lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Heartland Bank And Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sangamon County, IL | Mortgage lenders | 93% | 291 | 258 |
| Macon County, IL | Mortgage lenders | 89% | 159 | 131 |
| Cook County, IL | Investment property purchase | 100% | 119 | 119 |
| McLean County, IL | Mortgage lenders | 95% | 112 | 100 |
| Madison County, IL | Mortgage lenders | 93% | 56 | 47 |
| LaSalle County, IL | Mortgage lenders | 90% | 49 | 38 |
| Champaign County, IL | Mortgage lenders | 87% | 46 | 34 |
| Sangamon County, IL | Investment property purchase | 100% | 34 | 32 |
| Tazewell County, IL | Mortgage lenders | 90% | 39 | 29 |
| Sangamon County, IL | Home improvement loans | 81% | 32 | 25 |
| McLean County, IL | Cash-out refinance | 69% | 42 | 24 |
| DuPage County, IL | Investment property purchase | 96% | 24 | 23 |
The county markets where Heartland Bank And Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Heartland Bank And Trust Company
What is Heartland Bank And Trust Company's mortgage approval rate?
Heartland Bank And Trust Company approved 87.9% of the 1,817 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.9 points above the 82.0% national rate for the same mix of loan types.
How often do borrowers take the loan Heartland Bank And Trust Company offers?
Borrowers accepted 92% of the loans Heartland Bank And Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Heartland Bank And Trust Company make?
The typical home purchase mortgage loan Heartland Bank And Trust Company made was $145K; across all loan types its typical loan ran from $35K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heartland Bank And Trust Company lend?
Heartland Bank And Trust Company decided applications in 19 of the states Fat Boy Data covers, most of them in Illinois, Iowa and Florida.
Can I apply to Heartland Bank And Trust Company directly?
Yes. Heartland Bank And Trust Company is a bank or credit union with 87 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Heartland Bank And Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Heartland Bank And Trust Company treats applications, then get a rate quote from the lender.