Heritage Bank, Inc. mortgage approval rate & lending review
Heritage Bank, Inc. decided 310 mortgage applications and funded 274 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heritage Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heritage Bank, Inc. at a glance
Approval is 13.0 points above the 75.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 33 / 34 | 100% | $365K | 33 |
| Home improvement loans | 67% | 43 / 64 | 98% | $65K | 42 |
| Refinance | 92% | 133 / 145 | 100% | $155K | 133 |
| Investment property purchase | 100% | 46 / 46 | 100% | $135K | 46 |
Heritage Bank, Inc. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Heritage Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kenton County, KY | Refinance | 98% | 56 | 55 |
| Boone County, KY | Refinance | 90% | 59 | 53 |
| Kenton County, KY | Investment property purchase | 100% | 23 | 23 |
| Kenton County, KY | Home improvement loans | 62% | 29 | 17 |
The county markets where Heritage Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Heritage Bank, Inc.
What is Heritage Bank, Inc.'s mortgage approval rate?
Heritage Bank, Inc. approved 88.7% of the 310 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.0 points above the 75.7% national rate for the same mix of loan types.
How often do borrowers take the loan Heritage Bank, Inc. offers?
Borrowers accepted 100% of the loans Heritage Bank, Inc. approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Heritage Bank, Inc. make?
The typical mortgage refinance loan Heritage Bank, Inc. made was $155K; across all loan types its typical loan ran from $65K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heritage Bank, Inc. lend?
Heritage Bank, Inc. decided applications in 4 of the states Fat Boy Data covers, most of them in Kentucky, Ohio and Florida.
Can I apply to Heritage Bank, Inc. directly?
Yes. Heritage Bank, Inc. is a bank or credit union with 110 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Heritage Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Heritage Bank, Inc. treats applications, then get a rate quote from the lender.