Heartland Credit Union in Kansas vs the state
10.8%Denial rate-4.20 pts vs state
13.3%Decision denial rate-5.01 pts vs state
66.5%Origination rate+2.66 pts vs state
6.99%Median rate+0.37 pts vs state
0.44Rate spread (pts)+0.14 pts vs state
$86kMedian applicant income
583Loans originated
95Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 400 | 254 | 11.8% | 7.13% | #55 |
| 2024 | 429 | 279 | 13.1% | 7.00% | #56 |
| 2025 | 877 | 583 | 10.8% | 6.99% | #27 |
What Heartland Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Heartland Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 312 | 212 | 36 | 11.5% |
| Reno County | 297 | 209 | 26 | 8.8% |
| Harvey County | 74 | 51 | 6 | 8.1% |
| Butler County | 31 | 21 | 2 | 6.5% |
| Rice County | 22 | 13 | 2 | 9.1% |
| McPherson County | 18 | 8 | 2 | 11.1% |
| Marion County | 17 | 11 | 2 | 11.8% |
| Johnson County | 10 | 9 | 1 | 10.0% |
| Barton County | 9 | 7 | 0 | 0.0% |
| Sumner County | 6 | 2 | 1 | 16.7% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 877 applications in 2025, of which 583 were originated and 95 denied.
10.8% of all applications, or 13.3% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Heartland Credit Union originated in Kansas in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Heartland Credit Union's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology