Heartland Bank closing costs and rates (2024)
In 2024, Heartland Bank originated 280 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $3,994. That is $2,747 below the national median of $6,741. Heartland Bank is most active in Ohio with 178 originations there.
Purchase Originations
280
Median Total Costs
$3,994
−40.8% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$950
Median Lender Credits
$96
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 257 | 6.875% | $3,871 | $950 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,274 | 7.312% | — | 2 | −$720 | |
| 2 | $3,363 | 6.688% | — | 14 | −$631 | |
| 3 | $3,364 | 6.875% | — | 1 | −$630 | |
| 4 | $3,502 | 6.625% | — | 27 | −$492 | |
| 5 | $3,516 | 6.750% | — | 25 | −$478 | |
| 6 | $3,707 | 6.875% | — | 6 | −$287 | |
| 7 | $3,770 | 7.062% | — | 2 | −$224 | |
| 8 | $3,802 | 7.375% | — | 1 | −$192 | |
| 9 | $3,843 | 6.875% | — | 11 | −$151 | |
| 10 | $3,949 | 6.625% | — | 83 | −$45 | |
| 11 | $3,997 | 6.625% | — | 23 | +$3 | |
| 12 | $4,108 | 6.625% | — | 2 | +$114 | |
| 13 | $4,243 | 6.500% | — | 7 | +$249 | |
| 14 | $4,324 | 7.375% | — | 2 | +$330 | |
| 15 | $4,477 | 6.875% | — | 15 | +$483 | |
| 16 | $4,700 | 6.625% | — | 3 | +$706 | |
| 17 | $5,256 | 6.875% | — | 25 | +$1,262 | |
| 18 | $6,179 | 6.875% | — | 3 | +$2,185 | |
| 19 | $7,449 | 6.938% | — | 4 | +$3,455 | |
| 20 | $7,909 | 6.875% | — | 3 | +$3,915 |
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.