Heartland National Bank mortgage approval rate & lending review
Heartland National Bank decided 253 mortgage applications and funded 185 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heartland National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heartland National Bank at a glance
Approval is 6.3 points below the 82.2% 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 | 76% | 110 / 145 | 97% | $225K | 107 |
| Home improvement loans | 80% | 20 / 25 | 90% | $45K | 18 |
| Investment property purchase | 76% | 34 / 45 | 94% | $185K | 32 |
Heartland National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 76% | $225K | 253 | 185 |
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 National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Highlands County, FL | Mortgage lenders | 77% | 139 | 104 |
| Highlands County, FL | Investment property purchase | 76% | 45 | 32 |
| Highlands County, FL | Home improvement loans | 80% | 25 | 18 |
The county markets where Heartland National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Heartland National Bank
What is Heartland National Bank's mortgage approval rate?
Heartland National Bank approved 75.9% of the 253 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.3 points below the 82.2% national rate for the same mix of loan types.
How often do borrowers take the loan Heartland National Bank offers?
Borrowers accepted 96% of the loans Heartland National 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 National Bank make?
The typical home purchase mortgage loan Heartland National Bank made was $225K; across all loan types its typical loan ran from $45K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heartland National Bank lend?
Heartland National Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Florida.
Can I apply to Heartland National Bank directly?
Yes. Heartland National Bank reports as a direct lender that takes applications from borrowers.
Does this page show Heartland National 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 National Bank treats applications, then get a rate quote from the lender.