Lender profile · HMDA 2023–2025
Heritage Federal Credit Union mortgage approval rates & lending data
Heritage Federal Credit Union decided 761 mortgage applications and funded 625 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 302 / 318 | 97% | $175K | 293 |
| Home improvement loans | 67% | 113 / 168 | 99% | $35K | 112 |
| Cash-out refinance | 83% | 72 / 87 | 99% | $95K | 71 |
| Refinance | 82% | 129 / 158 | 97% | $75K | 125 |
Heritage Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 85% | $95K | 687 | 567 |
| Kentucky | 80% | $105K | 71 | 56 |
| Florida | 100% | $205K | 2 | 1 |
| Minnesota | 100% | $245K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.