Heartland Bank and Trust Company
Heartland Bank and Trust Company received 1,301 applications in 2025 and made 918 mortgages, in 93 counties across 14 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 1,210 decisions, 208 were denials — 17.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | EFBDHEMMHTWI378O4988 |
|---|---|
| Applications received | 1,301 |
| Mortgages made | 918 |
| Denied | 208 |
| Approved, not taken up | 84 |
| Withdrawn or incomplete | 91 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.778 points |
| FDIC-insured bank | Yes: Heartland Bank and Trust Company, 87 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 420 | 6.900% | $155,000 | 7.5% |
| Refinancing | 91 | 8.000% | $65,000 | 13.5% |
| Cash-out refinancing | 84 | 7.038% | $125,000 | 22.3% |
| Other purposes | 323 | 8.000% | $55,000 | 27.4% |
Where Heartland Bank and Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sangamon County, IL | 141 | 7.100% | 11.8% |
| McLean County, IL | 105 | 7.325% | 11.5% |
| Cook County, IL | 69 | 7.750% | 11.1% |
| Macon County, IL | 68 | 7.013% | 13.3% |
| Bureau County, IL | 44 | 7.100% | 15.5% |
| LaSalle County, IL | 37 | 6.900% | 17.7% |
| Tazewell County, IL | 34 | 8.000% | 22.6% |
| Will County, IL | 31 | 7.750% | 22.0% |
| Logan County, IL | 30 | 7.863% | 21.1% |
| Champaign County, IL | 27 | 7.300% | 13.9% |
| DeKalb County, IL | 26 | 8.000% | 17.1% |
| Woodford County, IL | 25 | 7.250% | 13.8% |
| DuPage County, IL | 22 | 7.750% | 12.0% |
| Peoria County, IL | 20 | 7.175% | 25.0% |
| Christian County, IL | 16 | 6.950% | 18.2% |
| Kane County, IL | 16 | 7.400% | 19.1% |
| Madison County, IL | 16 | 7.175% | 17.4% |
| De Witt County, IL | 14 | 7.875% | 34.8% |
| Lake County, IL | 14 | 7.625% | 16.7% |
| Morgan County, IL | 13 | 7.125% | 27.3% |
| Macoupin County, IL | 11 | 6.850% | 11.8% |
| Kendall County, IL | 10 | 8.000% | 15.4% |
| Adams County, IL | 9 | Under 10 loans | 25.0% |
| Linn County, IA | 8 | Under 10 loans | 27.3% |
| Putnam County, IL | 7 | Under 10 loans | 36.4% |
| Ford County, IL | 6 | Under 10 loans | 50.0% |
| Marshall County, IL | 6 | Under 10 loans | 40.0% |
| McHenry County, IL | 5 | Under 10 loans | 0.0% |
| Fulton County, IL | 4 | Under 10 loans | 16.7% |
| Grundy County, IL | 4 | Under 10 loans | 42.9% |
| Mason County, IL | 4 | Under 10 loans | 20.0% |
| Piatt County, IL | 4 | Under 10 loans | 0.0% |
| St. Clair County, IL | 4 | Under 10 loans | 42.9% |
| Scott County, IL | 4 | Under 10 loans | 22.2% |
| Shelby County, IL | 4 | Under 10 loans | 0.0% |
| Johnson County, IA | 4 | Under 10 loans | 0.0% |
| McDonough County, IL | 3 | Under 10 loans | 0.0% |
| Menard County, IL | 3 | Under 10 loans | 33.3% |
| Montgomery County, IL | 3 | Under 10 loans | 20.0% |
| Cass County, IL | 2 | Under 10 loans | 0.0% |
| Knox County, IL | 2 | Under 10 loans | 0.0% |
| Livingston County, IL | 2 | Under 10 loans | 25.0% |
| Scott County, IA | 2 | Under 10 loans | 0.0% |
| Jefferson County, KY | 2 | Under 10 loans | 0.0% |
| Walworth County, WI | 2 | Under 10 loans | 33.3% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Routt County, CO | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.