Growth far faster than peers
Originations rose 48% to 918, against 10% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. It made 1,779 loans in 2020.
Applications / Mortgage Analytics / Lenders / Illinois / Heartland Bank and Trust Company
Heartland Bank and Trust Company
Bloomington, IL · State non-member bank · FDIC · $5.1 billion assets · 918 loans in 2025
Heartland Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
918
loans originated, 2025
1,301
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heartland Bank and Trust Company is a central Illinois bank of small loans whose originations rose 48% in 2025, faster than nearly all similar lenders, with a rising share in Decatur and Bloomington.
Gaining share in its home markets
In Decatur its share rose 0.9 points to 3.6%, ranking 7 of 156 lenders. In Bloomington it rose 0.3 points to 2.0%, ranking 13 of 221, and in Springfield it held at 2.0%, ranking 15 of 217.
Small loans, mostly home purchases
Home purchases made up 45.8% of its loans, with the rest split among other purposes, refinances and home improvement. Its typical loan, $105,000, was smaller than at nearly all similar lenders ($195,000). FHA loans (insured by the Federal Housing Administration) were 2.7%, against 0.2% at peers.
More lending to LMI borrowers than most peers
LMI (low- and moderate-income) borrowers took 39.9% of its loans, against 26.4% at similar lenders, higher than about nine in ten, and up from 24.4% five years before. Its share in LMI areas, 16.0%, was near the middle of its peers.
Questions the data can answer next
- Which counties and loan types account for its 48% rise in loans, and which lenders lost share in Decatur?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
918 loans in 2025, against a peak of 1,779 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heartland Bank and Trust Company took 1,301 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
45.8% of its 2025 loans were purchase loans; 96.2% were Conventional.
Purchase 45.8% · Other 19.4% · Refinance 19.1% · Home improvement 15.8%
Conventional 96.2% · FHA 2.7% · VA 0.7% · USDA (RHS or FSA) 0.4% · of 918 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
11 states, 25 metros, 80 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 881 | 96.0% |
| Iowa | 19 | 2.1% |
| Florida | 4 | 0.4% |
| Wisconsin | 4 | 0.4% |
| Colorado | 2 | 0.2% |
| Kentucky | 2 | 0.2% |
| Missouri | 2 | 0.2% |
| Indiana | 1 | 0.1% |
| Michigan | 1 | 0.1% |
| New York | 1 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Springfield | 144 |
| Chicago-Naperville-Schaumburg | 131 |
| Bloomington | 105 |
| Peoria | 86 |
| Decatur | 68 |
| Elgin | 52 |
| Champaign-Urbana | 37 |
| St. Louis | 34 |
| Lake County | 14 |
| Cedar Rapids | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | EFBDHEMMHTWI378O4988 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 426534 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320369 | 1990–2017 |
Established 22 February 1971. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Heartland Bank and Trust Company's data.
The data and the software behind these pages
Heartland Bank and Trust Company's data
$215
Heartland Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Heartland Bank and Trust Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]