Heartland Bank and Trust Company has 389 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 · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and USDA loans
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Report Card
Heartland Bank and Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+47.3 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
345 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
FHA
24 loans · 0.76% above market
Sound
Top 60% of lenders
3/5
USDA
12 loans · 0.88% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
326 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
Refinance
63 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 345 | 88.7% | +0.458%Above | $475Fees | ||||
FHA Loans | — | 24 | 6.2% | +0.761%Above | $1,267Fees | |||
USDA Loans | — | 12 | 3.1% | +0.880%Above | $1,313Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume345
Mix88.7%
Spread
+0.458%Above
Fees
$475Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume24
Mix6.2%
Spread
+0.761%Above
Fees
$1,267Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume12
Mix3.1%
Spread
+0.880%Above
Fees
$1,313Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 326 | 83.8% | +0.476%Above | $631Fees | ||||
Refinance | 63 | 16.2% | +0.460%Above | $200Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume326
Mix83.8%
Spread
+0.476%Above
Fees
$631Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume63
Mix16.2%
Spread
+0.460%Above
Fees
$200Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
389
Applications
567
Volume
$66 million
Pricing & Closing
Avg Rate Spread
+0.473%
vs. market APOR
Avg Net Fees
$551
Origination − Credits
Pullthrough Rate
68.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$170,784
Avg Borrower Income
$107,805
Avg Property Value
$227,237
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
All statesNone
Midwest6
IAILINMIMOWI
South3
ARKYNC
West1
AZ
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.