Applications / Mortgage Analytics / Lenders / Kansas / Heartland Credit Union
Hutchinson, KS · Credit union · NCUA · $690 million assets · 597 loans in 2025
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597
loans originated, 2025
1,095
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heartland Credit Union, a Kansas credit union, more than doubled its loans in 2025, to 597 from 286, and about doubled its share of the Wichita market.
Originations rose 109%, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. The rise follows a fall from 879 in 2021 to 256 in 2023, and 2025 is still below its 2020 count of 767. Dollar volume rose to $87.3 million from $48.9 million.
In Wichita, KS, its largest market, it ranked 18 of 367 lenders, with 1.5% of the market, up from 0.8%; Peoples Bank and Trust Company led. In non-metro Kansas it ranked 11 of 398. It has lent in Wichita since 1991.
Home purchases were 42.0% of its loans, home improvement 24.0%, refinances 18.8% and other purposes 15.2%, all conventional. Its typical loan, $105,000, matched its peers'. Its purchase denial rate, 4.6%, was lower than at most peers.
LMI (low- and moderate-income) borrowers took 33.6% of its loans, against 27.1% at peers, higher than about three in four of them, though down from 45.9% in 2024. LMI areas took 12.4%, against 15.1%; a possible reason is the mix of areas in its Kansas markets.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heartland Credit Union took 1,095 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.0% · Home improvement 24.0% · Refinance 18.8% · Other 15.2%
Conventional 100.0% · of 597 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 581 | 97.3% |
| Missouri | 6 | 1.0% |
| Oklahoma | 5 | 0.8% |
| Arkansas | 1 | 0.2% |
| Nebraska | 1 | 0.2% |
| Texas | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 286 |
| Kansas City | 14 |
| Lawrence | 4 |
| Oklahoma City | 2 |
| Tulsa | 2 |
| Dallas-Plano-Irving | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Joplin | 1 |
| Manhattan | 1 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CRPIDBSEMEY066 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 177498 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562031 | 1991–2017 |
Established 1 January 1948. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Heartland Credit Union's data.
Heartland Credit Union's data
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Heartland Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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