Lender profile · HMDA 2023–2025
Heartland Bank mortgage approval rates & lending data
Heartland Bank decided 932 mortgage applications and funded 816 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 455 / 490 | 100% | $275K | 455 |
| Home improvement loans | 78% | 107 / 138 | 98% | $85K | 105 |
| Cash-out refinance | 79% | 41 / 52 | 100% | $135K | 41 |
| Refinance | 88% | 145 / 164 | 99% | $125K | 143 |
| Investment property purchase | 93% | 55 / 59 | 100% | $195K | 55 |
Heartland Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 87% | $275K | 717 | 622 |
| Kentucky | 90% | $215K | 194 | 174 |
| Florida | 93% | $545K | 14 | 13 |
| Indiana | 100% | $265K | 2 | 2 |
| Tennessee | 100% | $465K | 2 | 2 |
| North Carolina | 100% | $395K | 1 | 1 |
| Oregon | 100% | $475K | 1 | 1 |
| South Carolina | 100% | $435K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.