Purchase Originations
227
Median Total Costs
$3,434
−48.6% vs national ($6,680)
↑ $102 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,380
Median Lender Credits
$200
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 227 | 6.500% | $3,434 | $1,380 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,025 | 6.000% | — | 1 | −$1,409 | |
| 2 | $2,361 | 6.812% | — | 2 | −$1,073 | |
| 3 | $2,559 | 7.750% | — | 1 | −$875 | |
| 4 | $2,990 | 5.875% | — | 2 | −$444 | |
| 5 | $3,077 | 6.625% | — | 1 | −$357 | |
| 6 | $3,100 | 6.625% | — | 65 | −$334 | |
| 7 | $3,113 | 6.125% | — | 5 | −$321 | |
| 8 | $3,158 | 6.250% | — | 1 | −$276 | |
| 9 | $3,182 | 6.562% | — | 2 | −$252 | |
| 10 | $3,373 | 6.500% | — | 16 | −$61 | |
| 11 | $3,374 | 6.625% | — | 4 | −$60 | |
| 12 | $3,472 | 6.625% | — | 4 | +$38 | |
| 13 | $3,583 | 6.438% | — | 18 | +$149 | |
| 14 | $3,637 | 6.500% | — | 96 | +$203 | |
| 15 | $3,744 | 6.375% | — | 1 | +$310 | |
| 16 | $3,757 | 6.500% | — | 1 | +$323 | |
| 17 | $3,867 | 6.875% | — | 1 | +$433 | |
| 18 | $4,016 | 6.375% | — | 1 | +$582 | |
| 19 | $4,961 | 6.625% | — | 2 | +$1,527 | |
| 20 | $7,406 | 5.625% | — | 1 | +$3,972 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Heartland Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $3,434 | $7,127 | −$3,693 (−51.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.