What loan types does Heartland Credit Union offer?

Heartland Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Heartland Credit Union offer mortgages?

Heartland Credit Union offers mortgages in 4 states: CO, KS, MO, OK.

How competitive are Heartland Credit Union's mortgage rates?

Heartland Credit Union has an overall pricing score of 27.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Heartland Credit Union?

Heartland Credit Union is a Credit Union headquartered in WINFIELD, KS.

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Heartland Credit Union

Credit Union•Winfield, KSHQ•Direct•Reviews near you on Google

Heartland Credit Union has 238 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Summary

Things to Think About

Rates typically 59 basis points above market average

Explore another lender or local market

Report Card

Heartland Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+58.8 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Acceptable	235	98.7%	+0.588%Above	$1,637Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume235

Mix98.7%

Spread

+0.588%Above

Fees

$1,637Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Acceptable	Acceptable	208	87.4%	+0.589%Above	$1,655Fees
Refinance	Acceptable	Sound	Mediocre	Sound	30	12.6%	+0.576%Above	$1,423Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume208

Mix87.4%

Spread

+0.589%Above

Fees

$1,655Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume30

Mix12.6%

Spread

+0.576%Above

Fees

$1,423Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

238

Applications

644

Volume

$44 million

Pricing & Closing

Avg Rate Spread

+0.588%

vs. market APOR

Avg Net Fees

$1,630

Origination − Credits

Pullthrough Rate

37.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$185,588

Avg Borrower Income

$90,143

Avg Property Value

$228,613

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest2

KSMO

South1

West1

Top Metro Areas by Place Specialization Score

Wichita, KSMetro

Volume 107Mix 44.96% of portfolio

79/100

Strong

Top States by Place Specialization Score

KansasState

Volume 231Mix 97.06% of portfolio

87/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.