Lender profile · HMDA 2023–2025
Heritage Financial Credit Union mortgage approval rates & lending data
Heritage Financial Credit Union decided 1,441 mortgage applications and funded 1,292 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 301 / 304 | 100% | $345K | 301 |
| Home improvement loans | 84% | 551 / 657 | 100% | $85K | 551 |
| Cash-out refinance | 100% | 28 / 28 | 100% | $205K | 28 |
| Refinance | 92% | 349 / 379 | 100% | $95K | 349 |
| Investment property purchase | 97% | 28 / 29 | 100% | $185K | 28 |
| Investment home improvement | 72% | 18 / 25 | 100% | $85K | 18 |
Heritage Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 90% | $95K | 1,325 | 1,189 |
| New Jersey | 83% | $85K | 66 | 55 |
| Florida | 95% | $115K | 20 | 19 |
| Pennsylvania | 100% | $55K | 6 | 6 |
| North Carolina | 100% | $195K | 5 | 5 |
| Connecticut | 100% | $205K | 3 | 3 |
| Maryland | 100% | $155K | 2 | 2 |
| Massachusetts | 50% | $405K | 2 | 1 |
| South Carolina | 100% | $65K | 2 | 2 |
| Virginia | 100% | $35K | 2 | 2 |
| Washington | 100% | $55K | 2 | 2 |
| California | 100% | $245K | 1 | 1 |
| Missouri | 100% | $55K | 1 | 1 |
| New Hampshire | 100% | $125K | 1 | 1 |
| Ohio | 100% | $105K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.