Heartland Bank And Trust Company closing costs and rates (2024)
In 2024, Heartland Bank And Trust Company originated 331 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $2,530. That is $4,211 below the national median of $6,741. Heartland Bank And Trust Company is most active in Illinois with 317 originations there.
Purchase Originations
331
Median Total Costs
$2,530
−62.5% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$700
Median Lender Credits
$500
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 290 | 6.875% | $2,403 | $700 |
| fha | 22 | 6.688% | $5,506 | $1,150 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,112 | 6.862% | — | 62 | −$418 | |
| 2 | $2,205 | 6.575% | — | 28 | −$325 | |
| 3 | $2,228 | 7.100% | — | 6 | −$302 | |
| 4 | $2,254 | 6.925% | — | 10 | −$276 | |
| 5 | $2,289 | 6.550% | — | 7 | −$241 | |
| 6 | $2,422 | 6.588% | — | 22 | −$108 | |
| 7 | $2,426 | 6.575% | — | 5 | −$104 | |
| 8 | $2,426 | 6.900% | — | 3 | −$104 | |
| 9 | $2,516 | 7.037% | — | 10 | −$14 | |
| 10 | $2,521 | 6.938% | — | 6 | −$9 | |
| 11 | $2,528 | 6.912% | — | 10 | −$2 | |
| 12 | $2,530 | 6.400% | — | 4 | +$0 | |
| 13 | $2,821 | 6.575% | — | 11 | +$291 | |
| 14 | $2,884 | 7.000% | — | 35 | +$354 | |
| 15 | $3,023 | 6.625% | — | 13 | +$493 | |
| 16 | $3,025 | 7.375% | — | 9 | +$495 | |
| 17 | $3,493 | 6.750% | — | 4 | +$963 | |
| 18 | $3,495 | 7.250% | — | 3 | +$965 | |
| 19 | $4,494 | 7.250% | — | 3 | +$1,964 | |
| 20 | $6,880 | 7.500% | — | 21 | +$4,350 |
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.