Heritage Federal Credit Union mortgage approval rate & lending review
Heritage Federal Credit Union decided 761 mortgage applications and funded 625 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heritage Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heritage Federal Credit Union at a glance
Approval is 7.1 points above the 77.3% 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 | 95% | 302 / 318 | 97% | $175K | 293 |
| Home improvement loans | 67% | 113 / 168 | 99% | $35K | 112 |
| Cash-out refinance | 83% | 72 / 87 | 99% | $95K | 71 |
| Refinance | 82% | 129 / 158 | 97% | $75K | 125 |
Heritage Federal Credit Union 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 Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Vanderburgh County, IN | Mortgage lenders | 95% | 290 | 267 |
| Vanderburgh County, IN | Refinance | 80% | 141 | 110 |
| Vanderburgh County, IN | Home improvement loans | 70% | 150 | 104 |
| Vanderburgh County, IN | Cash-out refinance | 82% | 79 | 64 |
| Daviess County, KY | Mortgage lenders | 95% | 22 | 21 |
The county markets where Heritage Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Heritage Federal Credit Union
What is Heritage Federal Credit Union's mortgage approval rate?
Heritage Federal Credit Union approved 84.4% of the 761 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points above the 77.3% national rate for the same mix of loan types.
How often do borrowers take the loan Heritage Federal Credit Union offers?
Borrowers accepted 97% of the loans Heritage Federal Credit Union 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 Federal Credit Union make?
The typical home purchase mortgage loan Heritage Federal Credit Union made was $175K; across all loan types its typical loan ran from $35K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heritage Federal Credit Union lend?
Heritage Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Indiana, Kentucky and Florida.
Can I apply to Heritage Federal Credit Union directly?
Yes. Heritage Federal Credit Union is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Heritage Federal Credit Union'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 Federal Credit Union treats applications, then get a rate quote from the lender.