Heartland mortgage approval rate & lending review
Heartland decided 657 mortgage applications and funded 604 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heartland reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heartland at a glance
Approval is 15.5 points above the 78.4% 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 | 98% | 301 / 307 | 98% | $145K | 296 |
| Cash-out refinance | 90% | 258 / 288 | 98% | $55K | 252 |
| Refinance | 92% | 36 / 39 | 100% | $195K | 36 |
Heartland lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 94% | $145K | 639 | 588 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sangamon County, IL | Mortgage lenders | 98% | 280 | 270 |
| Sangamon County, IL | Cash-out refinance | 89% | 280 | 244 |
| Sangamon County, IL | Refinance | 92% | 37 | 34 |
The county markets where Heartland made the most loans. Each link opens that market with every lender ranked.
Questions about Heartland
What is Heartland's mortgage approval rate?
Heartland approved 93.9% of the 657 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.5 points above the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan Heartland offers?
Borrowers accepted 98% of the loans Heartland 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 make?
The typical home purchase mortgage loan Heartland made was $145K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heartland lend?
Heartland decided applications in 10 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Florida.
Can I apply to Heartland directly?
Yes. Heartland is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Heartland'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 treats applications, then get a rate quote from the lender.