Purchase Originations
145
Median Total Costs
$2,314
−65.4% vs national ($6,680)
↑ $110 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$703
Median Lender Credits
$69
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 145 | 6.375% | $2,314 | $703 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,072 | 5.875% | — | 1 | −$242 | |
| 2 | $2,162 | 5.812% | — | 2 | −$152 | |
| 3 | $2,239 | 6.125% | — | 1 | −$75 | |
| 4 | $2,260 | 6.625% | — | 3 | −$54 | |
| 5 | $2,273 | 6.125% | — | 3 | −$41 | |
| 6 | $2,275 | 6.188% | — | 2 | −$39 | |
| 7 | $2,284 | 5.750% | — | 1 | −$30 | |
| 8 | $2,286 | 6.375% | — | 1 | −$28 | |
| 9 | $2,307 | 6.375% | — | 105 | −$7 | |
| 10 | $2,379 | 6.125% | — | 5 | +$65 | |
| 11 | $2,380 | 6.250% | — | 3 | +$66 | |
| 12 | $2,397 | 6.750% | — | 1 | +$83 | |
| 13 | $2,448 | 6.188% | — | 2 | +$134 | |
| 14 | $2,645 | 6.062% | — | 2 | +$331 | |
| 15 | $2,765 | 6.312% | — | 4 | +$451 | |
| 16 | $3,722 | 6.625% | — | 1 | +$1,408 | |
| 17 | $3,774 | 6.500% | — | 1 | +$1,460 | |
| 18 | $4,005 | 6.625% | — | 1 | +$1,691 | |
| 19 | $4,726 | 5.375% | — | 1 | +$2,412 | |
| 20 | $5,466 | 7.000% | — | 1 | +$3,152 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Heartland | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $165,000 | $335,000 | −$170,000 (−50.7%) |
| Median total closing costs | $2,314 | $7,127 | −$4,813 (−67.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.