Heartland in Illinois vs the state
7.5%Denial rate-9.65 pts vs state
8.4%Decision denial rate-13.27 pts vs state
80.3%Origination rate+21.55 pts vs state
7.00%Median rate+0.25 pts vs state
0.17Rate spread (pts)-0.21 pts vs state
$98kMedian applicant income
387Loans originated
36Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 177 | 154 | 7.3% | 6.38% | #244 |
| 2024 | 196 | 159 | 4.1% | 6.38% | #227 |
| 2025 | 482 | 387 | 7.5% | 7.00% | #129 |
What Heartland lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Heartland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sangamon County | 384 | 311 | 28 | 7.3% |
| Menard County | 15 | 14 | 1 | 6.7% |
| Macoupin County | 15 | 13 | 0 | 0.0% |
| Christian County | 14 | 12 | 1 | 7.1% |
| Morgan County | 11 | 7 | 2 | 18.2% |
| Logan County | 5 | 5 | 0 | 0.0% |
| Macon County | 5 | 3 | 0 | 0.0% |
| McLean County | 5 | 2 | 1 | 20.0% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Mason County | 3 | 2 | 0 | 0.0% |
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: 482 applications in 2025, of which 387 were originated and 36 denied.
7.5% of all applications, or 8.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Heartland originated in Illinois in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Heartland'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