HTLF Bank mortgage approval rate & lending review
HTLF Bank decided 2,619 mortgage applications and funded 1,570 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions HTLF Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
HTLF Bank at a glance
Approval is 7.8 points below the 72.0% 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 | 82% | 357 / 434 | 96% | $215K | 343 |
| Home improvement loans | 59% | 690 / 1,171 | 92% | $105K | 633 |
| Refinance | 61% | 400 / 661 | 94% | $205K | 377 |
| Investment property purchase | 81% | 144 / 177 | 94% | $145K | 135 |
| Investment refinance | 56% | 38 / 68 | 89% | $135K | 34 |
| Investment home improvement | 46% | 44 / 96 | 89% | $185K | 39 |
HTLF Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 79% | $215K | 460 | 353 |
| Colorado | 66% | $125K | 446 | 280 |
| New Mexico | 57% | $115K | 354 | 181 |
| Arizona | 60% | $245K | 331 | 184 |
| Wisconsin | 52% | $65K | 244 | 118 |
| California | 58% | $85K | 207 | 110 |
| Kansas | 70% | $125K | 184 | 122 |
| Illinois | 58% | $85K | 178 | 94 |
| Montana | 71% | $135K | 85 | 49 |
| Minnesota | 71% | $205K | 59 | 37 |
| Missouri | 55% | $65K | 49 | 27 |
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 HTLF Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lubbock County, TX | Mortgage lenders | 93% | 174 | 161 |
| Maricopa County, AZ | Home improvement loans | 54% | 142 | 72 |
| Maricopa County, AZ | Refinance | 60% | 114 | 62 |
| Jefferson County, CO | Home improvement loans | 71% | 79 | 52 |
| Lubbock County, TX | Investment property purchase | 92% | 60 | 52 |
| Johnson County, KS | Home improvement loans | 71% | 77 | 51 |
| Johnson County, KS | Refinance | 76% | 63 | 48 |
| San Luis Obispo County, CA | Home improvement loans | 55% | 78 | 40 |
| Bernalillo County, NM | Home improvement loans | 49% | 87 | 39 |
| Santa Fe County, NM | Home improvement loans | 60% | 58 | 34 |
| Winnebago County, IL | Refinance | 59% | 58 | 33 |
| Denver County, CO | Home improvement loans | 69% | 49 | 31 |
The county markets where HTLF Bank made the most loans. Each link opens that market with every lender ranked.
Questions about HTLF Bank
What is HTLF Bank's mortgage approval rate?
HTLF Bank approved 64.2% of the 2,619 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points below the 72.0% national rate for the same mix of loan types.
How often do borrowers take the loan HTLF Bank offers?
Borrowers accepted 93% of the loans HTLF Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does HTLF Bank make?
The typical home improvement loan loan HTLF Bank made was $105K; across all loan types its typical loan ran from $105K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does HTLF Bank lend?
HTLF Bank decided applications in 19 of the states Fat Boy Data covers, most of them in Texas, Colorado and New Mexico.
Can I apply to HTLF Bank directly?
Yes. HTLF Bank reports as a direct lender that takes applications from borrowers.
Does this page show HTLF 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 HTLF Bank treats applications, then get a rate quote from the lender.