# Heartland Bank and Trust Company > **Canonical URL:** https://saferate.com/lenders/heartland-bank-and-trust > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible Heartland Bank and Trust Company is a bank, headquartered in Bloomington, IL, serving borrowers across 10 states, with 389 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 33% of lenders for competitive rates - **Approval Rate:** Ranks in the top 50% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** EFBDHEMMHTWI378O4988 - **Headquarters:** Bloomington, IL - **Geographic Reach:** Multi-Region - **States Served:** 10 - **State List:** AR, AZ, IA, IL, IN, KY, MI, MO, NC, WI - **Markets (MSAs):** 8 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 95.1% - **Brokered/Wholesale:** 4.9% ## Safe Rate Ratings ### Pricing: Strong πŸ˜€ - Score: 67/100 - Rating: ●●●●○ (4/5) ### Pull Through: Sound ☺️ - Score: 50/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.473% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $551 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 389 - **Dollar Volume:** $66 million - **Applications Received:** 567 - **Market Share:** 1.00% ## Typical Borrower Profile - **Average Loan Amount:** $170,784 - **Average Borrower Income:** $107,805 - **Average Property Value:** $227,237 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (70%) - ⭐ **Purchase Gold Superstar** (70%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 67/100 | 345 | +0.458% | $475 | Strong πŸ˜€ | | FHA | 53/100 | 24 | +0.761% | $1,267 | Sound ☺️ | | USDA | 71/100 | 12 | +0.880% | $1,313 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 285 loans, Score: 66/100 (Strong) - Refinance: 60 loans, Score: 49/100 (Sound) **FHA:** - Purchase: 22 loans, Score: 53/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 65/100 | 326 | $56M | +0.476% | Strong πŸ˜€ | | Refinance | 47/100 | 63 | $10M | +0.460% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | IL | 371 | 0.30% | 81/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 132 | 60/100 | | Springfield, IL | IL | 66 | 72/100 | | Bloomington, IL | IL | 35 | 61/100 | | Decatur, IL | IL | 35 | 77/100 | | Chicago | IL | 32 | 53/100 | | Peoria, IL | IL | 31 | 58/100 | | St. Louis, MO | MO-IL | 20 | 50/100 | | Champaign | IL | 17 | 53/100 | ## Where This Lender Ranks Heartland Bank and Trust Company appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯ˆ **#2** in Decatur, IL for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders/banks/conventional-loans) - πŸ₯‰ **#3** in Bloomington, IL for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/banks/conventional-loans) - πŸ₯‰ **#3** in Decatur, IL for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Springfield, IL for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Decatur, IL Banks - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders/banks) - πŸ† **#4** in Decatur, IL for Conventional Loans - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders/conventional-loans) - πŸ† **#5** in Springfield, IL for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Bloomington, IL Banks - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/banks) - πŸ† **#6** in Illinois for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/usda-loans) - πŸ† **#6** in Bloomington, IL for Conventional Loans - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/conventional-loans) - πŸ† **#6** in Decatur, IL for FHA Loans - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders/fha-loans) - πŸ† **#6** in Champaign for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#7** in Springfield, IL Banks - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks) - πŸ† **#7** in Decatur, IL - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders) - πŸ† **#8** in Springfield, IL for Conventional Loans - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/conventional-loans) - πŸ† **#8** in Springfield, IL for FHA Loans - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/fha-loans) - πŸ† **#8** in Peoria, IL Banks - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks) - πŸ† **#10** in Bloomington, IL - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders) - πŸ† **#10** in Peoria, IL for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#11** in Illinois for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/conventional-loans) ## Frequently Asked Questions ### What loan types does Heartland Bank and Trust Company offer? Heartland Bank and Trust Company offers the following mortgage loan types: FHA, Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Heartland Bank and Trust Company offer mortgages? Heartland Bank and Trust Company offers mortgages in 10 states: AR, AZ, IA, IL, IN, KY, MI, MO, NC, WI. ### How competitive are Heartland Bank and Trust Company's mortgage rates? Heartland Bank and Trust Company has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.473% above market average. ### What type of lender is Heartland Bank and Trust Company? Heartland Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Bloomington, IL. ### What is Heartland Bank and Trust Company's loan approval success rate? Heartland Bank and Trust Company has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/heartland-bank-and-trust ### How to Cite > "Heartland Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heartland-bank-and-trust --- **[View Interactive Profile β†’](https://saferate.com/lenders/heartland-bank-and-trust)**