Heritage Bank in Pennsylvania vs the state
0.0%Denial rate-18.29 pts vs state
0.0%Decision denial rate-22.21 pts vs state
50.0%Origination rate-10.96 pts vs state
—Median rate
—Rate spread (pts)
$152kMedian applicant income
4Loans originated
0Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 6 | 0.0% | 6.19% | #773 |
| 2024 | 8 | 4 | 12.5% | — | #730 |
| 2025 | 8 | 4 | 0.0% | — | #729 |
What Heritage Bank lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 2 | 1 | 0 | 0.0% |
| Lehigh County | 1 | 1 | 0 | 0.0% |
| Delaware County | 1 | 0 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Philadelphia County | 1 | 0 | 0 | 0.0% |
| Blair County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 8 applications in 2025, of which 4 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Heritage Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology