Heartland Bank and Trust in Illinois vs the state
16.1%Denial rate-1.05 pts vs state
17.3%Decision denial rate-4.43 pts vs state
70.4%Origination rate+11.68 pts vs state
7.25%Median rate+0.50 pts vs state
0.78Rate spread (pts)+0.40 pts vs state
$90kMedian applicant income
881Loans originated
201Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,139 | 800 | 10.9% | 6.80% | #63 |
| 2024 | 805 | 590 | 10.9% | 7.08% | #84 |
| 2025 | 1,251 | 881 | 16.1% | 7.25% | #69 |
What Heartland Bank and Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Heartland Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sangamon County | 184 | 141 | 20 | 10.9% |
| McLean County | 142 | 105 | 15 | 10.6% |
| Macon County | 87 | 68 | 11 | 12.6% |
| Cook County | 84 | 69 | 9 | 10.7% |
| Bureau County | 63 | 44 | 9 | 14.3% |
| Tazewell County | 58 | 34 | 12 | 20.7% |
| LaSalle County | 54 | 37 | 9 | 16.7% |
| Logan County | 44 | 30 | 8 | 18.2% |
| Will County | 43 | 31 | 9 | 20.9% |
| Champaign County | 39 | 27 | 5 | 12.8% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 1,251 applications in 2025, of which 881 were originated and 201 denied.
16.1% of all applications, or 17.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Heartland Bank and Trust originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Heartland Bank and Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology