# HTLF Bank

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


HTLF Bank is a bank, headquartered in Denver, CO, serving borrowers across 12 states, with 48 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BTD4RDILZY5V14
- **Headquarters:** Denver, CO
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AZ, CA, CO, IA, IL, KS, MN, MO, MT, NM, TX, WI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.108%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,226
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 48
- **Dollar Volume:** $13 million
- **Applications Received:** 88
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $271,875
- **Average Borrower Income:** $230,646
- **Average Property Value:** $586,250

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 44 | +0.107% | $1,059 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 38 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 36/100 | 40 | $9M | +0.118% | Acceptable 🙂 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 13 | 33/100 |

## Frequently Asked Questions

### What loan types does HTLF Bank offer?

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

### Where does HTLF Bank offer mortgages?

HTLF Bank offers mortgages in 12 states: AZ, CA, CO, IA, IL, KS, MN, MO, MT, NM, TX, WI.

### How competitive are HTLF Bank's mortgage rates?

HTLF Bank has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.108% above market average.

### What type of lender is HTLF Bank?

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

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

HTLF Bank has a pull-through score of 31/100 (Acceptable). 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/htlf-bank

### How to Cite

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

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