Heritage Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
68th5.8% deniedProcesswithdrawn + incomplete share, weight 15%
67th8.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 65 | 49 | 6.2% | 6.8% | — | $6.8M |
| 2024 | 88 | 80 | 2.3% | 2.3% | — | $13M |
| 2025 | 112 | 93 | 5.4% | 5.8% | — | $17M |
What Heritage Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 50 investment properties.
Who gets approved at Heritage Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 23 | 15 | 5.6% |
Where Heritage Bank lends
6 states and 25 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nebraska | 105 | 88 | 4.8% | — | #103 |
Frequently asked questions
Heritage Bank denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of small mortgage lenders.
In 2025, 55% of its applications were for home purchases, 24% for refinancing (including cash-out), and 21% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.