Heartland Bank mortgage approval rate & lending review
Heartland Bank decided 932 mortgage applications and funded 816 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heartland Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heartland Bank at a glance
Approval is 7.9 points above the 80.2% national rate for the same mix of loan types.
Approval rates 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
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Heartland Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 91% | 201 | 183 |
| Franklin County, OH | Refinance | 87% | 85 | 73 |
| Kenton County, KY | Mortgage lenders | 94% | 67 | 63 |
| Franklin County, OH | Home improvement loans | 76% | 68 | 51 |
| Delaware County, OH | Mortgage lenders | 96% | 52 | 50 |
| Boone County, KY | Mortgage lenders | 96% | 50 | 48 |
| Licking County, OH | Mortgage lenders | 82% | 34 | 28 |
| Fairfield County, OH | Mortgage lenders | 100% | 23 | 23 |
| Franklin County, OH | Investment property purchase | 91% | 22 | 20 |
The county markets where Heartland Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Heartland Bank
What is Heartland Bank's mortgage approval rate?
Heartland Bank approved 88.1% of the 932 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.9 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan Heartland Bank offers?
Borrowers accepted 99% of the loans Heartland Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Heartland Bank make?
The typical home purchase mortgage loan Heartland Bank made was $275K; across all loan types its typical loan ran from $85K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heartland Bank lend?
Heartland Bank decided applications in 8 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Florida.
Can I apply to Heartland Bank directly?
Yes. Heartland Bank is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Heartland Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Heartland Bank treats applications, then get a rate quote from the lender.