HEARTLAND
HEARTLAND received 493 applications in 2025 and made 395 mortgages, in 34 counties across 7 states. The median rate its borrowers got was 7.000% on a median loan of $95,000. Of 438 decisions, 37 were denials — 8.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YPQDQJM78AYS70 |
|---|---|
| Applications received | 493 |
| Mortgages made | 395 |
| Denied | 37 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 55 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.16 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 151 | 6.375% | $165,000 | 3.1% |
| Refinancing | 16 | 5.563% | $230,000 | 5.9% |
| Cash-out refinancing | 228 | 7.000% | $55,000 | 10.5% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where HEARTLAND lends most
The 34 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 | 311 | 7.000% | 8.2% |
| Menard County, IL | 14 | 7.000% | 6.7% |
| Macoupin County, IL | 13 | 7.000% | 0.0% |
| Christian County, IL | 12 | 7.000% | 7.1% |
| Morgan County, IL | 7 | Under 10 loans | 22.2% |
| Logan County, IL | 5 | Under 10 loans | 0.0% |
| Macon County, IL | 3 | Under 10 loans | 0.0% |
| St. Clair County, IL | 3 | Under 10 loans | 0.0% |
| McLean County, IL | 2 | Under 10 loans | 33.3% |
| Madison County, IL | 2 | Under 10 loans | 0.0% |
| Mason County, IL | 2 | Under 10 loans | 0.0% |
| Montgomery County, IL | 2 | Under 10 loans | 33.3% |
| Scott County, IL | 2 | Under 10 loans | 0.0% |
| St. Louis city, MO | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Bureau County, IL | 1 | Under 10 loans | 0.0% |
| Cass County, IL | 1 | Under 10 loans | 50.0% |
| Clinton County, IL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| De Witt County, IL | 1 | Under 10 loans | 0.0% |
| Greene County, IL | 1 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Moultrie County, IL | 1 | Under 10 loans | 0.0% |
| Howard County, IN | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| St. Francois County, MO | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| Douglas County, IL | 0 | Under 10 loans | Not published |
| Peoria County, IL | 0 | Under 10 loans | Not published |
| Vermilion County, IL | 0 | Under 10 loans | 100.0% |
| Dane County, WI | 0 | Under 10 loans | 100.0% |
Get told when this changes
When HEARTLAND’s figures are published for the next year, or restated.
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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.