Probably too wet. I'd throw away the moldy ones.
I germinate my beans in 6-packs, then plant them in the garden a week or two later. Beans germinate pretty fast.
For germination temperatures, I look at the Johnny's Selected Seeds catalog (but the info is easily available online, too). Bean germination happens at 59-95 F, optimal at 86 F, with some variation depending on the variety. Some varieties are more tolerant of cooler or moister soil.
Lettuce is about 41-84 F, optimal 75 F, which is why the heat mat didn't work for lettuce.
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