Heartland Credit Union
Heartland Credit Union received 160 applications in 2025 and made 112 mortgages, in 19 counties across 2 states. The median rate its borrowers got was 7.390% on a median loan of $60,000. Of 131 decisions, 16 were denials — 12.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900PUAN5SKAJB2J42 |
|---|---|
| Applications received | 160 |
| Mortgages made | 112 |
| Denied | 16 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 6.59 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Refinancing | 13 | 7.590% | $105,000 | 12.5% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 98 | 7.340% | $55,000 | 12.3% |
Where Heartland Credit Union lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dakota County, MN | 26 | 7.240% | 20.6% |
| Le Sueur County, MN | 15 | 7.690% | 16.7% |
| Washington County, MN | 13 | 7.750% | 7.1% |
| Hennepin County, MN | 11 | 6.790% | 15.4% |
| Scott County, MN | 11 | 7.690% | 0.0% |
| Anoka County, MN | 8 | Under 10 loans | 10.0% |
| Ramsey County, MN | 7 | Under 10 loans | 20.0% |
| St. Croix County, WI | 5 | Under 10 loans | 0.0% |
| Chisago County, MN | 2 | Under 10 loans | 0.0% |
| Martin County, MN | 2 | Under 10 loans | 0.0% |
| Nicollet County, MN | 2 | Under 10 loans | 0.0% |
| Rice County, MN | 2 | Under 10 loans | 0.0% |
| Wright County, MN | 2 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Pierce County, WI | 1 | Under 10 loans | 0.0% |
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When Heartland Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.