Heartland Credit Union (Madison)
Heartland Credit Union (Madison) received 655 applications in 2025 and made 456 mortgages, in 38 counties across 4 states. The median rate its borrowers got was 6.990% on a median loan of $85,000. Of 513 decisions, 54 were denials — 10.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LENIDYCDF93Y54 |
|---|---|
| Applications received | 655 |
| Mortgages made | 456 |
| Denied | 54 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 142 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.123 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 |
|---|---|---|---|---|
| Home purchase | 106 | 6.500% | $225,000 | 6.1% |
| Refinancing | 43 | 6.990% | $65,000 | 8.5% |
| Cash-out refinancing | 48 | 6.995% | $95,000 | 2.0% |
| Other purposes | 259 | 7.365% | $55,000 | 13.9% |
Where Heartland Credit Union (Madison) lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dane County, WI | 250 | 6.990% | 9.0% |
| Grant County, WI | 63 | 6.990% | 8.7% |
| Iowa County, WI | 31 | 6.990% | 16.2% |
| Rock County, WI | 19 | 7.490% | 9.5% |
| Columbia County, WI | 18 | 7.490% | 25.0% |
| Green County, WI | 11 | 6.990% | 8.3% |
| Sauk County, WI | 10 | 6.990% | 9.1% |
| Lafayette County, WI | 8 | Under 10 loans | 0.0% |
| Jefferson County, WI | 7 | Under 10 loans | 12.5% |
| Richland County, WI | 5 | Under 10 loans | 16.7% |
| Crawford County, WI | 4 | Under 10 loans | 20.0% |
| Washington County, WI | 4 | Under 10 loans | 0.0% |
| Waukesha County, WI | 4 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 3 | Under 10 loans | 0.0% |
| Adams County, WI | 2 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 2 | Under 10 loans | 0.0% |
| Oneida County, WI | 2 | Under 10 loans | 0.0% |
| Calumet County, WI | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
| Dodge County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Green Lake County, WI | 1 | Under 10 loans | 0.0% |
| Jackson County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Taylor County, WI | 1 | Under 10 loans | 0.0% |
| Vernon County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 0 | Under 10 loans | 100.0% |
| McHenry County, IL | 0 | Under 10 loans | 100.0% |
| Jones County, IA | 0 | Under 10 loans | 100.0% |
| Douglas County, WI | 0 | Under 10 loans | Not published |
| Dunn County, WI | 0 | Under 10 loans | Not published |
| Manitowoc County, WI | 0 | Under 10 loans | Not published |
| Marquette County, WI | 0 | Under 10 loans | 100.0% |
| Winnebago County, WI | 0 | Under 10 loans | Not published |
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When Heartland Credit Union (Madison)’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.