What loan types does Heartland offer?

Heartland offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Heartland offer mortgages?

Heartland offers mortgages in 8 states: AR, AZ, FL, IL, NC, OH, TN, WI.

How competitive are Heartland's mortgage rates?

Heartland has an overall pricing score of 93/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Heartland?

Heartland is a Credit Union headquartered in Springfield, IL.

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Heartland

Credit Union•Springfield, ILHQ•Direct•Reviews near you on Google

Heartland has 157 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 12.00 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Heartland performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 12.0 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

156 loans · 0.13% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

122 loans · 0.12% below market

Sound

Top 60% of lenders

3/5

Refinance

35 loans · 0.14% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	156	99.4%	-0.125%Below	$551Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume156

Mix99.4%

Spread

-0.125%Below

Fees

$551Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	122	77.7%	-0.115%Below	$546Fees
Refinance	Strong	Sound	Exceptional	Strong	35	22.3%	-0.141%Below	$569Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume122

Mix77.7%

Spread

-0.115%Below

Fees

$546Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume35

Mix22.3%

Spread

-0.141%Below

Fees

$569Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

157

Applications

194

Volume

$25 million

Pricing & Closing

Avg Rate Spread

-0.120%

vs. market APOR

Avg Net Fees

$550

Origination − Credits

Pullthrough Rate

80.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$161,306

Avg Borrower Income

$98,713

Avg Property Value

$219,968

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

8Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest3

ILOHWI

South4

ARFLNCTN

West1

Top Metro Areas by Place Specialization Score

Springfield, ILMetro

Volume 124Mix 78.98% of portfolio

85/100

Exceptional

Top States by Place Specialization Score

IllinoisState

Volume 150Mix 95.54% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.