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 score and performance metrics.

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 an overall pricing score of 75.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Heartland Credit Union (Madison) is a Credit Union headquartered in Madison, WI.

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Heartland Credit Union (Madison)

Credit Union•Madison, WIHQ•Direct•Reviews near you on Google

Heartland Credit Union (Madison) has 116 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

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Heartland Credit Union (Madison) performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+2.9 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

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	113	97.4%	+0.031%Above	$612Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume113

Mix97.4%

Spread

+0.031%Above

Fees

$612Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	97	83.6%	+0.032%Above	$625Fees
Refinance	Sound	Acceptable	—	Sound	19	16.4%	+0.011%Above	$472Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume97

Mix83.6%

Spread

+0.032%Above

Fees

$625Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume19

Mix16.4%

Spread

+0.011%Above

Fees

$472Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

116

Applications

158

Volume

$31 million

Pricing & Closing

Avg Rate Spread

+0.029%

vs. market APOR

Avg Net Fees

$601

Origination − Credits

Pullthrough Rate

73.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$274,655

Avg Borrower Income

$127,095

Avg Property Value

$381,810

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

Midwest1

Top Metro Areas by Place Specialization Score

Madison, WIMetro

Volume 64Mix 55.17% of portfolio

69/100

Strong

Top States by Place Specialization Score

WisconsinState

Volume 116Mix 100.00% of portfolio

72/100

Strong

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.