# HEARTLAND

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

> **📋 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 is a credit union, headquartered in Springfield, IL, serving borrowers across 8 states, with 157 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YPQDQJM78AYS70
- **Headquarters:** Springfield, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AR, AZ, FL, IL, NC, OH, TN, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.5%
- **Brokered/Wholesale:** 0.5%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.120%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $550
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 157
- **Dollar Volume:** $25 million
- **Applications Received:** 194
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $161,306
- **Average Borrower Income:** $98,713

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 156 | -0.125% | $551 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 121 loans, Score: 57/100 (Sound)
- Refinance: 35 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 122 | $20M | -0.115% | Sound ☺️ |
| Refinance | 58/100 | 35 | $5M | -0.141% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 150 | 0.12% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Springfield, IL | IL | 124 | 85/100 |
| Non |  | 22 | 35/100 |

## Frequently Asked Questions

### What loan types does HEARTLAND offer?

HEARTLAND offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HEARTLAND offer mortgages?

HEARTLAND offers mortgages in 8 states: AR, AZ, FL, IL, NC, OH, TN, WI.

### How competitive are HEARTLAND's mortgage rates?

HEARTLAND has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.120% below market average.

### What type of lender is HEARTLAND?

HEARTLAND is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Springfield, IL.

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

HEARTLAND has a pull-through score of 79/100 (Strong). 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

### How to Cite

> "HEARTLAND Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heartland

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