Lender profile · HMDA 2023–2025
Heartland Credit Union mortgage approval rates & lending data
Heartland Credit Union decided 535 mortgage applications and funded 400 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 295 / 306 | 86% | $195K | 254 |
| Home improvement loans | 89% | 48 / 54 | 100% | $65K | 48 |
| Cash-out refinance | 68% | 26 / 38 | 50% | $125K | 13 |
| Refinance | 78% | 67 / 86 | 69% | $105K | 46 |
| Investment property purchase | 84% | 27 / 32 | 93% | $125K | 25 |
Heartland Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 90% | $195K | 518 | 388 |
| Missouri | 86% | $195K | 7 | 5 |
| Oklahoma | 100% | $215K | 6 | 5 |
| Colorado | 0% | — | 2 | 0 |
| Arkansas | 100% | $385K | 1 | 1 |
| Texas | 100% | $205K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.