United Heritage Credit Union 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
25th32.8% deniedPricingmedian rate spread over APOR, weight 30%
76th-0.39 ptsProcesswithdrawn + incomplete share, weight 15%
75th8.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 572 | 330 | 33.4% | 36.7% | 8.45% | $40M |
| 2024 | 555 | 321 | 33.5% | 36.5% | 8.50% | $40M |
| 2025 | 508 | 313 | 30.1% | 32.8% | 7.15% | $41M |
What United Heritage Credit Union 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: 508 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why United Heritage Credit Union denies applications
Primary reason reported for each of the 153 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at United Heritage Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 10 | 63.0% |
| $50k – $100k | 124 | 73 | 34.2% |
| $100k – $150k | 144 | 90 | 32.6% |
| $150k – $250k | 136 | 99 | 22.1% |
| Over $250k | 72 | 41 | 36.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 21 | 25.0% |
| 35–44 | 123 | 79 | 29.8% |
| 45–54 | 149 | 84 | 38.7% |
| 55–64 | 109 | 74 | 27.5% |
| 65–74 | 62 | 38 | 33.3% |
| Over 74 | 34 | 17 | 41.4% |
Where United Heritage Credit Union lends
1 states and 47 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 508 | 313 | 30.1% | 7.15% | #258 |
Frequently asked questions
United Heritage Credit Union denied 32.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of home-equity (HELOC) lenders.
The most common reason United Heritage Credit Union gave in 2025 was "debt-to-income ratio", cited on 48.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans United Heritage Credit Union originated in 2025 was 7.15%, and its median rate spread over the average prime offer rate was -0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 4% of its applications were for home purchases, 15% for refinancing (including cash-out), and 81% 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.