Heartland Credit Union mortgage approval rate & lending review
Heartland Credit Union decided 535 mortgage applications and funded 400 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heartland Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heartland Credit Union at a glance
Approval is 8.3 points above the 81.4% 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 | 96% | 295 / 306 | 86% | $195K | 254 |
| Home improvement loans | 89% | 48 / 54 | 100% | $65K | 48 |
| Cash-out refinance | 68% | 26 / 38 | 50% | $125K | 13 |
| Refinance | 78% | 67 / 86 | 69% | $105K | 46 |
| Investment property purchase | 84% | 27 / 32 | 93% | $125K | 25 |
Heartland Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 90% | $195K | 518 | 388 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Mortgage lenders | 97% | 287 | 236 |
| Sedgwick County, KS | Home improvement loans | 88% | 50 | 44 |
| Sedgwick County, KS | Refinance | 78% | 78 | 42 |
| Sedgwick County, KS | Investment property purchase | 86% | 28 | 22 |
| Sedgwick County, KS | Cash-out refinance | 69% | 35 | 12 |
The county markets where Heartland Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Heartland Credit Union
What is Heartland Credit Union's mortgage approval rate?
Heartland Credit Union approved 89.7% of the 535 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 81.4% national rate for the same mix of loan types.
How often do borrowers take the loan Heartland Credit Union offers?
Borrowers accepted 83% of the loans Heartland Credit Union 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 Credit Union make?
The typical home purchase mortgage loan Heartland Credit Union made was $195K; across all loan types its typical loan ran from $65K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heartland Credit Union lend?
Heartland Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Oklahoma.
Can I apply to Heartland Credit Union directly?
Yes. Heartland Credit Union is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Heartland Credit Union'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 treats applications, then get a rate quote from the lender.