Lenders › Heartland Credit Union › Kansas
Heartland Credit Union in Kansas
HMDA record for properties in Kansas, calendar year 2024. National record · Kansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Kansas, Heartland Credit Union reported 429 applications and 279 originations for 2024, $44m in all.
Its denial rate in the state was 13.1%, below the Kansas rate of 19.2% across all lenders and compared with the lender's national rate of 27.1%.
The median rate spread on its Kansas originations was 0.7 percentage points (state median 0.4).
Applications in the state were up 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Kansas | Kansas, all lenders | Heartland Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.1% | 19.2% | 27.1% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.6% | 14.2% | 20.0% | 15.6% |
| Average originated loan | $157k | $242k | $171k | $329k |
| Home purchase share | 78.1% | 58.5% | 77.3% | 57.0% |
| FHA-insured share | 0.0% | 11.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKansas, all lenders
Loan purpose and loan type in Kansas
By purpose
Home purchase 78% (218)Refinancing 15% (43)Cash-out refinancing 6% (18)
By type
Conventional 100% (279)
Denial reasons as coded
Share of 56 denials in Kansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Reno County | 165 | 113 | $15m | 12.1% |
| Sedgwick County | 141 | 92 | $18m | 11.4% |
| Harvey County | 38 | 21 | $2.7m | 10.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Heartland Credit Union originate in Kansas in 2024?
279 loans totalling $44m, from 429 applications reported for properties in Kansas.
What is Heartland Credit Union's denial rate in Kansas?
13.1% of decided applications in Kansas were denied, against 19.2% for all lenders in the state and 27.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kansas counties does Heartland Credit Union lend in most?
By originations: Reno County (113), Sedgwick County (92), Harvey County (21).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.