# Heartland Bank

> **Canonical URL:** https://saferate.com/lenders/heartland-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Heartland Bank is a bank, headquartered in Whitehall, OH, serving borrowers across 7 states, with 320 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300Y7OEG60MGTKK54
- **Headquarters:** Whitehall, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IN, KY, MD, MI, NC, OH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.242%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,046
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 320
- **Dollar Volume:** $126 million
- **Applications Received:** 429
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $393,625
- **Average Borrower Income:** $172,522
- **Average Property Value:** $521,125

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 268 | +0.250% | $1,051 | Sound ☺️ |
| FHA | 52/100 | 15 | +0.424% | $700 | Sound ☺️ |
| Jumbo | 72/100 | 28 | +0.314% | $871 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 229 loans, Score: 49/100 (Sound)
- Refinance: 39 loans, Score: 47/100 (Sound)

**Jumbo:**
- Purchase: 25 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 277 | $112M | +0.238% | Sound ☺️ |
| Refinance | 46/100 | 43 | $14M | +0.266% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 214 | 0.16% | 73/100 |
| KY | 98 | 0.21% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 176 | 80/100 |
| Cincinnati, OH |  | 115 | 76/100 |
| Non |  | 13 | 24/100 |

## Where This Lender Ranks

Heartland Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Columbus, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Columbus, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Cincinnati, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Cincinnati, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in Columbus, OH Banks
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks)
- 🏆 **#17** in Cincinnati, OH Banks
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks)
- 🏆 **#18** in Cincinnati, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#19** in Columbus, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Heartland Bank offer?

Heartland Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.242% above market average.

### What type of lender is Heartland Bank?

Heartland Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Whitehall, OH.

### What is Heartland Bank's loan approval success rate?

Heartland Bank has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/heartland-bank

### How to Cite

> "Heartland Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heartland-bank

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