Purchase Originations
295
Median Total Costs
$2,772
−58.5% vs national ($6,680)
↑ $242 vs prior year
Median Rate
6.800%
+4.8% vs national (6.490%)
↓ 0.075% vs prior year
Median Origination
$800
Median Lender Credits
$39
Denial Rate
8.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 260 | 6.850% | $2,694 | $800 |
| fha | 25 | 6.500% | $5,614 | $1,500 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,058 | 6.575% | — | 4 | −$714 | |
| 2 | $2,356 | 7.125% | — | 7 | −$416 | |
| 3 | $2,376 | 6.900% | — | 3 | −$396 | |
| 4 | $2,389 | 6.500% | — | 5 | −$383 | |
| 5 | $2,402 | 6.825% | — | 6 | −$370 | |
| 6 | $2,440 | 6.875% | — | 8 | −$332 | |
| 7 | $2,464 | 6.912% | — | 6 | −$308 | |
| 8 | $2,502 | 6.862% | — | 4 | −$270 | |
| 9 | $2,566 | 6.925% | — | 3 | −$206 | |
| 10 | $2,602 | 6.850% | — | 20 | −$170 | |
| 11 | $2,620 | 6.750% | — | 29 | −$152 | |
| 12 | $2,653 | 6.862% | — | 8 | −$119 | |
| 13 | $2,667 | 6.662% | — | 66 | −$105 | |
| 14 | $2,707 | 6.737% | — | 8 | −$65 | |
| 15 | $2,895 | 6.838% | — | 4 | +$123 | |
| 16 | $2,916 | 6.875% | — | 41 | +$144 | |
| 17 | $3,168 | 6.775% | — | 17 | +$396 | |
| 18 | $3,728 | 6.312% | — | 4 | +$956 | |
| 19 | $5,368 | 7.000% | — | 17 | +$2,596 | |
| 20 | $5,576 | 7.137% | — | 2 | +$2,804 |
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 Bank And Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $2,772 | $7,127 | −$4,355 (−61.1%) |
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.