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

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

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

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

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 our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.