Heartland Credi T Union Mortgage Lending & HMDA Data, 2020
In 2020, Heartland Credi T Union of Springfeild, IL reported 664 mortgage applications totaling $94.3 million, up 55% from 2019. The average application was for $142,033, and applicants reported an average income of $99,049. 90% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Springfield, IL (589), St. Louis, MO-IL (14) and Cape Coral-Fort Myers, FL (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 | 664 |
| Total Mortgage Loan Application Amount | $94,310,000 |
| Average Mortgage Loan Application Amount | $142,033 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $99,049 |
| Highest Applicant Income | $444,000 |
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(HMDA) records Heartland Credi T Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 574 | $ 79,700,000 | $ 138,850 | $ 98,000 |
| Menard, Illinois | 15 | $ 2,075,000 | $ 138,333 | $ 89,000 |
| Christian, Illinois | 10 | $ 990,000 | $ 99,000 | $ 76,000 |
| Macoupin, Illinois | 8 | $ 910,000 | $ 113,750 | $ 79,000 |
| Morgan, Illinois | 7 | $ 905,000 | $ 129,285 | $ 88,000 |
| Montgomery, Illinois | 5 | $ 635,000 | $ 127,000 | $ 67,000 |
| Lee, Florida | 3 | $ 1,035,000 | $ 345,000 | $ 210,000 |
| Champaign, Illinois | 3 | $ 215,000 | $ 71,666 | $ 125,000 |
| Cook, Illinois | 3 | $ 975,000 | $ 325,000 | $ 228,000 |
| Logan, Illinois | 3 | $ 305,000 | $ 101,666 | $ 68,000 |
| Macon, Illinois | 3 | $ 435,000 | $ 145,000 | $ 123,000 |
| St. Louis City, Missouri | 3 | $ 585,000 | $ 195,000 | $ 213,000 |
| Sumter, Florida | 2 | $ 400,000 | $ 200,000 | $ 186,000 |
| Mason, Illinois | 2 | $ 220,000 | $ 110,000 | $ 61,000 |
| Hancock, Indiana | 2 | $ 490,000 | $ 245,000 | $ 83,000 |
| Maricopa, Arizona | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Jefferson, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Boulder, Colorado | 1 | $ 515,000 | $ 515,000 | $ 309,000 |
| Douglas, Colorado | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Marion, Florida | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Sarasota, Florida | 1 | $ 295,000 | $ 295,000 | $ 168,000 |
| St. Johns, Florida | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Adams, Illinois | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Cass, Illinois | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Johnson, Illinois | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Kendall, Illinois | 1 | $ 315,000 | $ 315,000 | $ 81,000 |
| Lake, Illinois | 1 | $ 175,000 | $ 175,000 | $ 122,000 |
| Madison, Illinois | 1 | $ 165,000 | $ 165,000 | $ 132,000 |
| Ogle, Illinois | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| St. Clair, Illinois | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Tazewell, Illinois | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Marion, Indiana | 1 | $ 135,000 | $ 135,000 | $ 93,000 |
| St. Charles, Missouri | 1 | $ 355,000 | $ 355,000 | $ 183,000 |
| Taney, Missouri | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Greene, Ohio | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Palo Pinto, Texas | 1 | $ 485,000 | $ 485,000 | $ 444,000 |
Mortgage Loan Application Detail Totals for Heartland Credi T Union in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 335 | $51,415,000 | $153,000 | $485,000 | $104,000 | $444,000 |
| Home Purchase | 173 | $24,745,000 | $143,000 | $435,000 | $82,000 | $439,000 |
| Cash-out Refinancing | 133 | $17,405,000 | $130,000 | $515,000 | $105,000 | $318,000 |
| Home Improvement | 22 | $710,000 | $32,000 | $105,000 | $116,000 | $253,000 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $226,000 | $226,000 |
| Not Applicable | 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 | 621 | $88,355,000 | $142,000 | $515,000 | $100,000 | $444,000 |
| Black or African American | 13 | $1,895,000 | $145,000 | $345,000 | $84,000 | $163,000 |
| Not Provided | 11 | $1,505,000 | $136,000 | $235,000 | $98,000 | $186,000 |
| Hispanic | 5 | $665,000 | $133,000 | $155,000 | $69,000 | $92,000 |
| Asian | 4 | $750,000 | $187,000 | $275,000 | $124,000 | $216,000 |
| American Indian or Alaskan Native | 3 | $425,000 | $141,000 | $245,000 | $131,000 | $173,000 |
| Not applicable | 2 | $70,000 | $35,000 | $55,000 | $118,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 663 | $94,095,000 | $141,000 | $515,000 | $99,000 | $444,000 |
| VA-guaranteed (Veterans Administration) | 1 | $215,000 | $215,000 | $215,000 | $137,000 | $137,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 596 | $87,430,000 | $146,000 | $515,000 | $100,000 | $444,000 |
| Application Denied By Financial Institution | 30 | $2,430,000 | $81,000 | $215,000 | $81,000 | $300,000 |
| Application Withdrawn By Applicant | 27 | $3,545,000 | $131,000 | $325,000 | $103,000 | $244,000 |
| Application Approved But Not Accepted | 10 | $870,000 | $87,000 | $245,000 | $82,000 | $180,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $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 | 634 | $91,880,000 | $144,000 | $515,000 | $100,000 | $444,000 |
| Debt-To-Income Ratio | 13 | $1,225,000 | $94,000 | $215,000 | $89,000 | $300,000 |
| Credit History | 10 | $480,000 | $48,000 | $155,000 | $50,000 | $95,000 |
| Collateral | 3 | $225,000 | $75,000 | $105,000 | $94,000 | $125,000 |
| Employment History | 2 | $220,000 | $110,000 | $155,000 | $73,000 | $73,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $205,000 | $160,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Credi T Union's 2020 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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