Heritage Bank National Association
Heritage Bank National Association received 376 applications in 2025 and made 232 mortgages, in 181 counties across 46 states. The median rate its borrowers got was Not published on a median loan of $320,000. Of 270 decisions, 32 were denials — 11.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300KUIZTYQRC0R888 |
|---|---|
| Applications received | 376 |
| Mortgages made | 232 |
| Denied | 32 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 106 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Heritage Bank, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 200 | Not published | $325,000 | 7.7% |
| Refinancing | 11 | Not published | $365,000 | 42.9% |
| Cash-out refinancing | 10 | Not published | $205,000 | 16.7% |
| Other purposes | 11 | Not published | $125,000 | 23.5% |
Where Heritage Bank National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kandiyohi County, MN | 43 | Not published | 8.5% |
| Woodbury County, IA | 17 | Not published | 10.5% |
| Plymouth County, IA | 7 | Under 10 loans | 0.0% |
| Anoka County, MN | 5 | Under 10 loans | 0.0% |
| Stearns County, MN | 5 | Under 10 loans | 16.7% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Chippewa County, MN | 4 | Under 10 loans | 0.0% |
| Washington County, MN | 4 | Under 10 loans | 0.0% |
| Lincoln County, SD | 4 | Under 10 loans | 0.0% |
| Douglas County, MN | 3 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Ramsey County, MN | 3 | Under 10 loans | 20.0% |
| Clark County, NV | 3 | Under 10 loans | 40.0% |
| Minnehaha County, SD | 3 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 0.0% |
| Kossuth County, IA | 2 | Under 10 loans | 0.0% |
| Suffolk County, MA | 2 | Under 10 loans | 0.0% |
| Benton County, MN | 2 | Under 10 loans | 0.0% |
| Dakota County, MN | 2 | Under 10 loans | 0.0% |
| Isanti County, MN | 2 | Under 10 loans | 0.0% |
| Meeker County, MN | 2 | Under 10 loans | 0.0% |
| Olmsted County, MN | 2 | Under 10 loans | 0.0% |
| Renville County, MN | 2 | Under 10 loans | 0.0% |
| Swift County, MN | 2 | Under 10 loans | 0.0% |
| Wright County, MN | 2 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 2 | Under 10 loans | 0.0% |
| Charles Mix County, SD | 2 | Under 10 loans | 0.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Tarrant County, TX | 2 | Under 10 loans | 0.0% |
| King County, WA | 2 | Under 10 loans | 33.3% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Kodiak Island Borough, AK | 1 | Under 10 loans | 0.0% |
| Coconino County, AZ | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 50.0% |
| Sebastian County, AR | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Adams County, CO | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 0.0% |
| Floyd County, GA | 1 | Under 10 loans | 0.0% |
| Laurens County, GA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.