# HEARTLAND CREDIT UNION

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

> **📋 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 is a credit union, headquartered in WINFIELD, KS, serving borrowers across 4 states, with 238 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300CRPIDBSEMEY066
- **Headquarters:** WINFIELD, KS
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CO, KS, MO, OK
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.588%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,630
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 238
- **Dollar Volume:** $44 million
- **Applications Received:** 644
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $185,588
- **Average Borrower Income:** $90,143

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 235 | +0.588% | $1,637 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 208 loans, Score: 56/100 (Sound)
- Refinance: 27 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 208 | $36M | +0.589% | Sound ☺️ |
| Refinance | 44/100 | 30 | $8M | +0.576% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 231 | 0.77% | 87/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 124 | 61/100 |
| Wichita, KS | KS | 107 | 79/100 |

## Frequently Asked Questions

### What loan types does HEARTLAND CREDIT UNION offer?

HEARTLAND CREDIT UNION 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 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 a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.588% above market average.

### What type of lender is HEARTLAND CREDIT UNION?

HEARTLAND CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in WINFIELD, KS.

### What is HEARTLAND CREDIT UNION's loan approval success rate?

HEARTLAND CREDIT UNION has a pull-through score of 44/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/heartland-credit-union

### How to Cite

> "HEARTLAND CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heartland-credit-union

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