United Heritage mortgage approval rate & lending review
United Heritage decided 966 mortgage applications and funded 613 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Heritage reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Heritage at a glance
Approval is 2.0 points below the 65.8% 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 | 58% | 41 / 71 | 100% | $195K | 41 |
| Home improvement loans | 70% | 482 / 689 | 99% | $105K | 479 |
| Cash-out refinance | 46% | 88 / 193 | 100% | $195K | 88 |
United Heritage lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 64% | $105K | 966 | 613 |
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 United Heritage lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Travis County, TX | Home improvement loans | 64% | 245 | 157 |
| Williamson County, TX | Home improvement loans | 70% | 166 | 116 |
| Hays County, TX | Home improvement loans | 70% | 93 | 65 |
| Smith County, TX | Home improvement loans | 80% | 66 | 52 |
| Travis County, TX | Cash-out refinance | 47% | 76 | 36 |
| Williamson County, TX | Cash-out refinance | 47% | 43 | 20 |
The county markets where United Heritage made the most loans. Each link opens that market with every lender ranked.
Questions about United Heritage
What is United Heritage's mortgage approval rate?
United Heritage approved 63.8% of the 966 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.0 points below the 65.8% national rate for the same mix of loan types.
How often do borrowers take the loan United Heritage offers?
Borrowers accepted 100% of the loans United Heritage 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 United Heritage make?
The typical home improvement loan loan United Heritage made was $105K; across all loan types its typical loan ran from $105K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Heritage lend?
United Heritage decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to United Heritage directly?
Yes. United Heritage is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Heritage'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 United Heritage treats applications, then get a rate quote from the lender.