HEARTLAND closing costs and rates (2024)
In 2024, HEARTLAND originated 121 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $2,204. That is $4,537 below the national median of $6,741. HEARTLAND is most active in Illinois with 114 originations there.
Purchase Originations
121
Median Total Costs
$2,204
−67.3% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$585
Median Lender Credits
$71
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 121 | 6.375% | $2,204 | $585 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,779 | 5.000% | — | 1 | −$425 | |
| 2 | $2,032 | 6.188% | — | 4 | −$172 | |
| 3 | $2,137 | 6.375% | — | 5 | −$67 | |
| 4 | $2,185 | 6.375% | — | 90 | −$19 | |
| 5 | $2,196 | 6.500% | — | 1 | −$8 | |
| 6 | $2,346 | 5.875% | — | 1 | +$142 | |
| 7 | $2,352 | 6.688% | — | 2 | +$148 | |
| 8 | $2,537 | 6.375% | — | 1 | +$333 | |
| 9 | $2,575 | 6.125% | — | 5 | +$371 | |
| 10 | $2,747 | 6.375% | — | 5 | +$543 | |
| 11 | $3,201 | 7.000% | — | 1 | +$997 | |
| 12 | $3,318 | 7.000% | — | 1 | +$1,114 | |
| 13 | $3,806 | 7.000% | — | 1 | +$1,602 | |
| 14 | $3,998 | 7.375% | — | 1 | +$1,794 | |
| 15 | $4,056 | 6.500% | — | 1 | +$1,852 | |
| 16 | $4,122 | 6.500% | — | 1 | +$1,918 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.