Lender profile · HMDA 2023–2025
Heritage Bank mortgage approval rates & lending data
Heritage Bank decided 1,130 mortgage applications and funded 722 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 | 74% | 159 / 216 | 94% | $455K | 150 |
| Home improvement loans | 66% | 328 / 498 | 93% | $105K | 304 |
| Refinance | 67% | 171 / 256 | 94% | $225K | 161 |
| Investment property purchase | 80% | 52 / 65 | 96% | $435K | 50 |
| Investment refinance | 93% | 38 / 41 | 95% | $255K | 36 |
| Investment home improvement | 41% | 19 / 46 | 84% | $155K | 16 |
Heritage Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 68% | $225K | 1,019 | 648 |
| Oregon | 70% | $405K | 92 | 61 |
| Idaho | 62% | $375K | 13 | 8 |
| Montana | 100% | $535K | 4 | 4 |
| Arizona | 100% | $1.75M | 1 | 1 |
| California | 0% | — | 1 | 0 |
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.