Brandwave

Heartland Bank vs UDC Finance:Which is more popular?

In September 2026, Heartland Bank had more branded searches than UDC Finance among business lenders in New Zealand. Heartland Bank had about 14,900 branded searches, while UDC Finance had 9,900. Heartland Bank made up 51.5% of all business lender searches we track, and UDC Finance accounted for 34.4%. When we asked ChatGPT and Google AI Overviews about business lenders, Heartland Bank and UDC Finance each appeared in two of the five answers. Heartland Bank was mentioned before UDC Finance in two out of three answers that named either.

Among business lenders in New Zealand in September 2026

Who do people search for more?

Heartland Bank, about 50% more searches than UDC Finance

Heartland Bank 14.8K searchesUDC Finance 9.9K searches

Who does AI mention more?

Both were mentioned in 2 of 5 answers.

Heartland Bank in 2 of 5UDC Finance in 2 of 5

Who does AI recommend more?

Heartland Bank, named ahead of UDC Finance in 2 of 3 answers

Heartland Bank first in 2UDC Finance first in 1

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Top business lenders in ChatGPT and Google AI Overviews

In three ChatGPT questions and two Google AI Overviews, Heartland Bank and UDC Finance were each mentioned in two out of five: in two of the three ChatGPT answers, but not in either of the two Google AI Overviews. Heartland Bank was listed before UDC Finance in two out of three answers that named either.

Most recommended by AI

Brands get a higher ranking if they are mentioned earlier in the answers.

  1. BNZ1st
  2. ANZ2nd
  3. Prospa3rd
  4. Bizcap4th
  5. Heartland Bank5th
  6. UDC Finance6th
  7. Lending Crowd–
  8. Banjo Loans–

Mentioned by AI

Each dot is one answer, filled in when that answer mentions the brand.

  • Prospa5 of 5Named in 3 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • BNZ5 of 5Named in 3 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • Bizcap5 of 5Named in 3 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • ANZ4 of 5Named in 2 of 3 ChatGPT answersNamed in 2 of 2 Google answers
  • Heartland Bank2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • UDC Finance2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Lending Crowd0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Banjo Loans0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers

See every answer about business lenders

5 answers

Not named in any answer:

Brands are shown in the order each answer named them. The survey took place in New Zealand on October 20, 2026.

Is Heartland Bank or UDC Finance more popular in search?

This chart shows how often people search Google for Heartland Bank and UDC Finance by name. Each line represents a brand's share of searches for all eight business lenders we track, month by month, from searches in New Zealand.

Heartland Bank and UDC Finance among business lenders in New Zealand, by month

Share of searches by month for Heartland Bank, UDC Finance. The figures are in the table below the chart.

View monthly share of searches table
MonthHeartland BankUDC FinanceProspaANZBNZBizcapLending CrowdBanjo Loans
Oct 202555.7%30.3%6.7%2.7%1.5%2.2%0.97%0.04%
Nov 202556.3%30.6%6.7%2.7%1.2%1.5%0.98%0.04%
Dec 202553.4%35.6%4.9%2.6%1.1%1.4%0.92%0%
Jan 202652.1%34.7%6.1%2.5%1.1%2.5%0.91%0.04%
Feb 202656.1%30.5%6.6%2.7%1.5%1.8%0.79%0.04%
Mar 202651.5%34.2%7.2%3%1.3%2%0.73%0.03%
Apr 202652.7%35.1%6.2%2.1%1.1%2.1%0.6%0.04%
May 202655.8%30.3%6.6%2.7%1.5%2.2%0.79%0.04%
Jun 202662.2%27.6%5.1%2%0.89%1.6%0.59%0.03%
Jul 202653%35.2%5.5%2.6%1.1%2.1%0.5%0.04%
Aug 202652.8%35.2%6.4%2.1%0.92%2.1%0.5%0.04%
Sep 202651.5%34.4%6.3%2.5%2.5%2%0.73%0.03%

How has the Heartland Bank and UDC Finance comparison changed over the last 12 months?

3 findings

How did search popularity change for New Zealand business lenders in September 2026?

2 changes

  1. In September 2026, Heartland Bank lost share of searches among business lenders in New Zealand, from 52.8% to 51.5%.

  2. In September 2026, UDC Finance lost share of searches among business lenders in New Zealand, from 35.2% to 34.4%.

How are branded searches counted?

5 search terms

Brandwave collects information about searches that people make online using Heartland Bank’s and UDC Finance’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.

Heartland Bank

3 branded search terms

  • Heartland Bank
  • heartland bank loan
  • heartland business loan

UDC Finance

2 branded search terms

  • udc finance
  • udcfinance

How the Brand Demand Index is measured

Other head-to-heads among business lenders

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