What loan types does Heartland Bank offer?

Heartland Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Heartland Bank offer mortgages?

Heartland Bank offers mortgages in 7 states: FL, IN, KY, MD, MI, NC, OH.

How competitive are Heartland Bank's mortgage rates?

Heartland Bank has an overall pricing score of 60.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Heartland Bank?

Heartland Bank is a Bank headquartered in Whitehall, OH.

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Heartland Bank

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Heartland Bank has 320 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Heartland Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+24.2 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

268 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

FHA

15 loans · 0.42% above market

Sound

Top 60% of lenders

3/5

Jumbo

28 loans · 0.31% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

277 loans · 0.24% above market

Sound

Top 60% of lenders

3/5

Refinance

43 loans · 0.27% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	268	83.8%	+0.250%Above	$1,051Fees
FHA Loans	Sound	Sound	—	Sound	15	4.7%	+0.424%Above	$700Fees
Jumbo Loans	Strong	Strong	—	Strong	28	8.8%	+0.314%Above	$871Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume268

Mix83.8%

Spread

+0.250%Above

Fees

$1,051Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume15

Mix4.7%

Spread

+0.424%Above

Fees

$700Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume28

Mix8.8%

Spread

+0.314%Above

Fees

$871Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	277	86.6%	+0.238%Above	$1,061Fees
Refinance	Sound	Sound	Sound	Sound	43	13.4%	+0.266%Above	$959Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume277

Mix86.6%

Spread

+0.238%Above

Fees

$1,061Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume43

Mix13.4%

Spread

+0.266%Above

Fees

$959Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

320

Applications

429

Volume

$125 million

Pricing & Closing

Avg Rate Spread

+0.242%

vs. market APOR

Avg Net Fees

$1,046

Origination − Credits

Pullthrough Rate

74.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$393,625

Avg Borrower Income

$172,522

Avg Property Value

$521,125

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest3

INMIOH

South4

FLKYMDNC

Top Metro Areas by Place Specialization Score

Columbus, OHMetro

Volume 176Mix 55.00% of portfolio

80/100

Exceptional

Cincinnati, OHMetro

Volume 115Mix 35.94% of portfolio

76/100

Strong

Top States by Place Specialization Score

OhioState

Volume 214Mix 66.88% of portfolio

73/100

Strong

KentuckyState

Volume 98Mix 30.63% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.