# Heartland Credit Union (Madison)

> **Canonical URL:** https://saferate.com/lenders/heartland-credit-union-madison


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Heartland Credit Union (Madison) is a credit union, headquartered in Madison, WI, with 116 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300LENIDYCDF93Y54
- **Headquarters:** Madison, WI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.029%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $601
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 116
- **Dollar Volume:** $32 million
- **Applications Received:** 158
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $274,655
- **Average Borrower Income:** $127,095
- **Average Property Value:** $381,810

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 113 | +0.031% | $612 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 95 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 97 | $28M | +0.032% | Sound ☺️ |
| Refinance | 37/100 | 19 | $4M | +0.011% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 116 | 0.18% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Madison, WI | WI | 64 | 69/100 |
| Non |  | 41 | 47/100 |

## Where This Lender Ranks

Heartland Credit Union (Madison) appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Madison, WI Credit Unions
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Madison, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Madison, WI
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Heartland Credit Union (Madison) offer?

Heartland Credit Union (Madison) offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Heartland Credit Union (Madison) offer mortgages?

Heartland Credit Union (Madison) offers mortgages in 1 states: WI.

### How competitive are Heartland Credit Union (Madison)'s mortgage rates?

Heartland Credit Union (Madison) has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.029% above market average.

### What type of lender is Heartland Credit Union (Madison)?

Heartland Credit Union (Madison) is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Madison, WI.

### What is Heartland Credit Union (Madison)'s loan approval success rate?

Heartland Credit Union (Madison) has a pull-through score of 51/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/heartland-credit-union-madison

### How to Cite

> "Heartland Credit Union (Madison) Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heartland-credit-union-madison

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