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HTLF Bank

Bank•Denver, COHQ•Direct•Reviews near you on Google

HTLF Bank has 48 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Active
Multi-Region
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

HTLF Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+10.8 bps above market avg
2/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
44 loans · 0.11% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Refinance
40 loans · 0.12% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 1 markets
Acceptable
Bottom 40% of lenders
2/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume44
Mix91.7%
Spread
+0.107%Above
Fees
$1,059Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume40
Mix83.3%
Spread
+0.118%Above
Fees
$1,131Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
48
Applications
88
Volume
$13 million
Pricing & Closing
Avg Rate Spread
+0.108%
vs. market APOR
Avg Net Fees
$1,226
Origination − Credits
Pullthrough Rate
54.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$271,875
Avg Borrower Income
$230,646
Avg Property Value
$586,250

Geographic Coverage

Geographic Performance

Metro Areas
0
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
N/A

States with Loan Originations

12Full-year 2024 · HMDA
12 states with loan originations
Midwest6
IAILKSMNMOWI
South1
TX
West5
AZCACOMTNM

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
Champion(80%+ = 40-50 points)
Superstar
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.