Heartland Credit Union (Madison) mortgage approval rate & lending review
Heartland Credit Union (Madison) decided 718 mortgage applications and funded 663 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heartland Credit Union (Madison) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heartland Credit Union (Madison) at a glance
Approval is 21.3 points above the 72.5% 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 | 98% | 160 / 164 | 99% | $245K | 159 |
| Home improvement loans | 92% | 265 / 287 | 98% | $55K | 259 |
| Cash-out refinance | 93% | 99 / 107 | 99% | $85K | 98 |
| Refinance | 93% | 109 / 117 | 98% | $65K | 107 |
Heartland Credit Union (Madison) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 94% | $65K | 716 | 663 |
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 Credit Union (Madison) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dane County, WI | Home improvement loans | 92% | 253 | 230 |
| Dane County, WI | Mortgage lenders | 98% | 141 | 137 |
| Dane County, WI | Refinance | 93% | 111 | 101 |
| Dane County, WI | Cash-out refinance | 91% | 93 | 84 |
| Dane County, WI | Investment cash-out refinance | 100% | 20 | 20 |
| Rock County, WI | Home improvement loans | 90% | 21 | 18 |
The county markets where Heartland Credit Union (Madison) made the most loans. Each link opens that market with every lender ranked.
Questions about Heartland Credit Union (Madison)
What is Heartland Credit Union (Madison)'s mortgage approval rate?
Heartland Credit Union (Madison) approved 93.7% of the 718 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.3 points above the 72.5% national rate for the same mix of loan types.
How often do borrowers take the loan Heartland Credit Union (Madison) offers?
Borrowers accepted 99% of the loans Heartland Credit Union (Madison) 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 Heartland Credit Union (Madison) make?
The typical home improvement loan loan Heartland Credit Union (Madison) made was $55K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heartland Credit Union (Madison) lend?
Heartland Credit Union (Madison) decided applications in 3 of the states Fat Boy Data covers, most of them in Wisconsin, Alabama and Illinois.
Can I apply to Heartland Credit Union (Madison) directly?
Yes. Heartland Credit Union (Madison) reports as a direct lender that takes applications from borrowers.
Does this page show Heartland Credit Union (Madison)'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 Credit Union (Madison) treats applications, then get a rate quote from the lender.