Lender profile · HMDA 2023–2025
Heartland Bank And Trust Company mortgage approval rates & lending data
Heartland Bank And Trust Company decided 1,817 mortgage applications and funded 1,476 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 849 / 931 | 91% | $145K | 774 |
| Home improvement loans | 75% | 114 / 152 | 97% | $35K | 111 |
| Cash-out refinance | 68% | 133 / 196 | 81% | $115K | 108 |
| Refinance | 81% | 81 / 100 | 93% | $65K | 75 |
| Investment property purchase | 99% | 349 / 354 | 98% | $125K | 342 |
| Investment cash-out refinance | 76% | 29 / 38 | 93% | $105K | 27 |
| Investment refinance | 94% | 29 / 31 | 97% | $185K | 28 |
Heartland Bank And Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 88% | $145K | 1,724 | 1,400 |
| Iowa | 85% | $185K | 26 | 21 |
| Florida | 94% | $265K | 16 | 14 |
| Wisconsin | 75% | $245K | 16 | 11 |
| Michigan | 100% | $445K | 6 | 5 |
| Arizona | 100% | $555K | 5 | 5 |
| Indiana | 100% | $195K | 4 | 4 |
| Missouri | 75% | $275K | 4 | 2 |
| Arkansas | 100% | $85K | 2 | 2 |
| California | 100% | $505K | 2 | 2 |
| Colorado | 100% | $105K | 2 | 2 |
| Kentucky | 100% | $165K | 2 | 2 |
| Minnesota | 100% | $115K | 2 | 2 |
| Alabama | 100% | — | 1 | 0 |
| New Mexico | 100% | $345K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.