Heritage Bank National Association mortgage approval rate & lending review
Heritage Bank National Association decided 579 mortgage applications and funded 514 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heritage Bank National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heritage Bank National Association at a glance
Approval is 3.9 points above the 86.3% 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 | 91% | 463 / 508 | 99% | $325K | 458 |
Heritage Bank National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 92% | $145K | 130 | 118 |
| Minnesota | 93% | $245K | 84 | 75 |
| Texas | 89% | $545K | 61 | 53 |
| Florida | 97% | $565K | 29 | 27 |
| California | 76% | $915K | 25 | 19 |
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 National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Woodbury County, IA | Mortgage lenders | 93% | 116 | 107 |
The county markets where Heritage Bank National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Heritage Bank National Association
What is Heritage Bank National Association's mortgage approval rate?
Heritage Bank National Association approved 90.2% of the 579 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.9 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Heritage Bank National Association offers?
Borrowers accepted 98% of the loans Heritage Bank National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Heritage Bank National Association make?
The typical home purchase mortgage loan Heritage Bank National Association made was $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heritage Bank National Association lend?
Heritage Bank National Association decided applications in 42 of the states Fat Boy Data covers, most of them in Iowa, Minnesota and Texas.
Can I apply to Heritage Bank National Association directly?
Yes. Heritage Bank National Association 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 National Association'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 National Association treats applications, then get a rate quote from the lender.