Heritage Valley mortgage approval rate & lending review
Heritage Valley decided 257 mortgage applications and funded 238 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Heritage Valley reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Heritage Valley at a glance
Approval is 27.3 points above the 65.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 94% | 198 / 211 | 100% | $45K | 198 |
| Refinance | 88% | 35 / 40 | 100% | $85K | 35 |
Heritage Valley lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 93% | $45K | 257 | 238 |
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 Valley lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, PA | Home improvement loans | 94% | 209 | 197 |
| York County, PA | Refinance | 89% | 38 | 34 |
The county markets where Heritage Valley made the most loans. Each link opens that market with every lender ranked.
Questions about Heritage Valley
What is Heritage Valley's mortgage approval rate?
Heritage Valley approved 92.6% of the 257 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 27.3 points above the 65.3% national rate for the same mix of loan types.
How often do borrowers take the loan Heritage Valley offers?
Borrowers accepted 100% of the loans Heritage Valley approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Heritage Valley make?
The typical home improvement loan loan Heritage Valley made was $45K; across all loan types its typical loan ran from $45K to $85K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Heritage Valley lend?
Heritage Valley decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to Heritage Valley directly?
Yes. Heritage Valley is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Heritage Valley'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 Valley treats applications, then get a rate quote from the lender.