HEARTLAND CREDIT UNION
HEARTLAND CREDIT UNION received 900 applications in 2025 and made 597 mortgages, in 65 counties across 9 states. The median rate its borrowers got was 6.990% on a median loan of $105,000. Of 733 decisions, 97 were denials — 13.2%, most often for credit history. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300CRPIDBSEMEY066 |
|---|---|
| Applications received | 900 |
| Mortgages made | 597 |
| Denied | 97 |
| Approved, not taken up | 39 |
| Withdrawn or incomplete | 167 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.428 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 251 | 6.500% | $165,000 | 2.9% |
| Refinancing | 68 | 6.625% | $125,000 | 23.2% |
| Cash-out refinancing | 44 | 7.250% | $140,000 | 31.0% |
| Other purposes | 234 | 6.990% | $55,000 | 15.1% |
Where HEARTLAND CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sedgwick County, KS | 212 | 6.990% | 13.5% |
| Reno County, KS | 209 | 6.990% | 10.7% |
| Harvey County, KS | 51 | 6.990% | 10.3% |
| Butler County, KS | 21 | 6.625% | 8.0% |
| Rice County, KS | 13 | 6.990% | 12.5% |
| Marion County, KS | 11 | 6.990% | 14.3% |
| Johnson County, KS | 9 | Under 10 loans | 10.0% |
| McPherson County, KS | 8 | Under 10 loans | 16.7% |
| Barton County, KS | 7 | Under 10 loans | 0.0% |
| Douglas County, KS | 4 | Under 10 loans | 0.0% |
| Ellis County, KS | 4 | Under 10 loans | 0.0% |
| Ness County, KS | 3 | Under 10 loans | 25.0% |
| Pratt County, KS | 3 | Under 10 loans | 0.0% |
| Rooks County, KS | 3 | Under 10 loans | 25.0% |
| Ford County, KS | 2 | Under 10 loans | 33.3% |
| Harper County, KS | 2 | Under 10 loans | 0.0% |
| Sumner County, KS | 2 | Under 10 loans | 20.0% |
| Clay County, MO | 2 | Under 10 loans | 0.0% |
| Cleveland County, OK | 2 | Under 10 loans | 0.0% |
| Tulsa County, OK | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Ellsworth County, KS | 1 | Under 10 loans | 50.0% |
| Franklin County, KS | 1 | Under 10 loans | 0.0% |
| Gove County, KS | 1 | Under 10 loans | 0.0% |
| Labette County, KS | 1 | Under 10 loans | 0.0% |
| Montgomery County, KS | 1 | Under 10 loans | 0.0% |
| Osage County, KS | 1 | Under 10 loans | 50.0% |
| Ottawa County, KS | 1 | Under 10 loans | 0.0% |
| Pawnee County, KS | 1 | Under 10 loans | 0.0% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Russell County, KS | 1 | Under 10 loans | 50.0% |
| Saline County, KS | 1 | Under 10 loans | 0.0% |
| Scott County, KS | 1 | Under 10 loans | 0.0% |
| Sheridan County, KS | 1 | Under 10 loans | 0.0% |
| Stafford County, KS | 1 | Under 10 loans | 33.3% |
| Stanton County, KS | 1 | Under 10 loans | 0.0% |
| Thomas County, KS | 1 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
| Henry County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 50.0% |
| Newton County, MO | 1 | Under 10 loans | 0.0% |
| Hamilton County, NE | 1 | Under 10 loans | 0.0% |
| Craig County, OK | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 0 | Under 10 loans | Not published |
| Barber County, KS | 0 | Under 10 loans | Not published |
| Cloud County, KS | 0 | Under 10 loans | Not published |
| Edwards County, KS | 0 | Under 10 loans | 100.0% |
| Finney County, KS | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.