Lender in Kansas · HMDA 2025
Heartland Credit Union mortgages in Kansas
Heartland Credit Union's 2025 home-purchase and refinance lending in Kansas, compared with all lenders in the state.
Heartland Credit Union originated 285 owner-occupied single-family loans in Kansas from 356 completed applications.
Its median conventional purchase loan costs were $3,400 versus $3,290 for all Kansas lenders, at a median 30-year fixed rate of 6.625% (Kansas: 6.625%).
Loans in KS
285
of 356 applications
Denial rate
2.5%
Purchase · KS 6.6%
Rate spread
+0.40 pts
Conv. · KS +0.18 pts
Loan amount
$175,000
Purchase · KS $255,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 244 | 221 | 2.5% | 6.625% | +0.40 pts | $3,400 | $175,000 |
| Refinance | 77 | 47 | 23.4% | 6.625% | +0.33 pts | $3,470 | $135,000 |
| Cash-out refinance | 35 | 17 | 40.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kansas counties where Heartland Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Reno County | 2 | 90 | 12.3% |
| Ness County | 2 | 2 | 10.5% |
| Harvey County | 4 | 21 | 4.7% |
| Rice County | 4 | 4 | 5.3% |
| Rooks County | 4 | 3 | 12.5% |
| Sheridan County | 5 | 1 | 7.1% |
| Marion County | 7 | 5 | 4.2% |
| Pratt County | 10 | 2 | 2.6% |
| Russell County | 10 | 1 | 2.3% |
| Stafford County | 10 | 1 | 4.5% |
| Scott County | 12 | 1 | 4.0% |
| Ellsworth County | 13 | 1 | 4.2% |
| Ottawa County | 14 | 1 | 1.6% |
| Barton County | 16 | 3 | 1.4% |
| Sedgwick County | 17 | 118 | 1.6% |
| Harper County | 18 | 1 | 1.9% |
| Butler County | 20 | 15 | 1.4% |
| McPherson County | 25 | 2 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology