Heartland Credi T Union Mortgage Lending & HMDA Data, 2019
In 2019, Heartland Credi T Union of Springfeild, IL reported 429 mortgage applications totaling $48.4 million, up 26% from 2018. The average application was for $112,902, and applicants reported an average income of $92,468. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Springfield, IL (376), St. Louis, MO-IL (12) and Indianapolis-Carmel-Anderson, IN (3) (applications in parentheses).
| Mortgage Company & Address | Heartland Credi T Union 2213 W White Oaks Dr Springfeild, IL 62704 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 429 |
| Total Mortgage Loan Application Amount | $48,435,000 |
| Average Mortgage Loan Application Amount | $112,902 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $92,468 |
| Highest Applicant Income | $654,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Heartland Credi T Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sangamon, Illinois | 366 | $ 40,980,000 | $ 111,967 | $ 93,000 |
| Christian, Illinois | 10 | $ 760,000 | $ 76,000 | $ 77,000 |
| Menard, Illinois | 10 | $ 1,130,000 | $ 113,000 | $ 89,000 |
| Macoupin, Illinois | 6 | $ 400,000 | $ 66,666 | $ 72,000 |
| Montgomery, Illinois | 5 | $ 425,000 | $ 85,000 | $ 93,000 |
| Morgan, Illinois | 5 | $ 285,000 | $ 57,000 | $ 55,000 |
| Cass, Illinois | 4 | $ 220,000 | $ 55,000 | $ 76,000 |
| St. Clair, Illinois | 2 | $ 150,000 | $ 75,000 | $ 51,000 |
| Hancock, Indiana | 2 | $ 620,000 | $ 310,000 | $ 88,000 |
| Baldwin, Alabama | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Douglas, Colorado | 1 | $ 365,000 | $ 365,000 | $ 34,000 |
| Charlotte, Florida | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Champaign, Illinois | 1 | $ 65,000 | $ 65,000 | $ 156,000 |
| Cook, Illinois | 1 | $ 285,000 | $ 285,000 | $ 192,000 |
| Lake, Illinois | 1 | $ 175,000 | $ 175,000 | $ 122,000 |
| LaSalle, Illinois | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Logan, Illinois | 1 | $ 145,000 | $ 145,000 | $ 153,000 |
| Macon, Illinois | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Peoria, Illinois | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Schuyler, Illinois | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Tazewell, Illinois | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Johnson, Indiana | 1 | $ 115,000 | $ 115,000 | $ 150,000 |
| Jefferson, Missouri | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| St. Charles, Missouri | 1 | $ 425,000 | $ 425,000 | $ 225,000 |
| St. Louis, Missouri | 1 | $ 355,000 | $ 355,000 | $ 403,000 |
| St. Louis City, Missouri | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Hidalgo, Texas | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Sawyer, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for Heartland Credi T Union in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 187 | $25,095,000 | $134,000 | $425,000 | $83,000 | $403,000 |
| Refinancing | 136 | $15,080,000 | $110,000 | $385,000 | $103,000 | $654,000 |
| Cash-out Refinancing | 59 | $6,475,000 | $109,000 | $305,000 | $93,000 | $247,000 |
| Home Improvement | 47 | $1,785,000 | $37,000 | $225,000 | $99,000 | $238,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 414 | $46,770,000 | $112,000 | $425,000 | $92,000 | $654,000 |
| Black or African American | 6 | $300,000 | $50,000 | $75,000 | $102,000 | $116,000 |
| Hispanic | 5 | $765,000 | $153,000 | $215,000 | $95,000 | $161,000 |
| Asian | 4 | $600,000 | $150,000 | $295,000 | $142,000 | $400,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 426 | $48,060,000 | $112,000 | $425,000 | $92,000 | $654,000 |
| VA-guaranteed (Veterans Administration) | 2 | $310,000 | $155,000 | $245,000 | $148,000 | $153,000 |
| FHA-insured (Federal Housing Administration) | 1 | $65,000 | $65,000 | $65,000 | $49,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 371 | $42,555,000 | $114,000 | $425,000 | $93,000 | $654,000 |
| Application Approved But Not Accepted | 31 | $4,045,000 | $130,000 | $365,000 | $107,000 | $276,000 |
| Application Denied By Financial Institution | 27 | $1,835,000 | $67,000 | $165,000 | $72,000 | $177,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 402 | $46,600,000 | $115,000 | $425,000 | $94,000 | $654,000 |
| Collateral | 10 | $830,000 | $83,000 | $155,000 | $91,000 | $177,000 |
| Debt-To-Income Ratio | 10 | $630,000 | $63,000 | $165,000 | $54,000 | $126,000 |
| Credit History | 4 | $210,000 | $52,000 | $65,000 | $88,000 | $143,000 |
| Other | 3 | $165,000 | $55,000 | $115,000 | $36,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Credi T Union's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Heartland Credi T Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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