Heritage Bank
Heritage Bank received 645 applications in 2025 and made 372 mortgages, in 38 counties across 4 states. The median rate its borrowers got was 7.740% on a median loan of $195,000. Of 628 decisions, 227 were denials — 36.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Z2B4FHRYOXTS09 |
|---|---|
| Applications received | 645 |
| Mortgages made | 372 |
| Denied | 227 |
| Approved, not taken up | 29 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.54 points |
| FDIC-insured bank | Yes: Heritage Bank, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 63 | 7.440% | $445,000 | 27.0% |
| Refinancing | 100 | 7.740% | $255,000 | 31.4% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 208 | 7.740% | $115,000 | 40.3% |
Where Heritage Bank lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pierce County, WA | 96 | 7.740% | 36.6% |
| King County, WA | 47 | 7.740% | 40.5% |
| Island County, WA | 45 | 7.740% | 32.4% |
| Snohomish County, WA | 33 | 7.740% | 31.6% |
| Thurston County, WA | 30 | 7.740% | 35.4% |
| Skagit County, WA | 24 | 7.740% | 28.6% |
| Yakima County, WA | 11 | 7.740% | 50.0% |
| Multnomah County, OR | 10 | 6.880% | 21.4% |
| Whatcom County, WA | 10 | 7.740% | 23.1% |
| Cowlitz County, WA | 9 | Under 10 loans | 35.7% |
| Lewis County, WA | 9 | Under 10 loans | 18.2% |
| Washington County, OR | 7 | Under 10 loans | 46.2% |
| Clark County, WA | 7 | Under 10 loans | 41.7% |
| Lane County, OR | 6 | Under 10 loans | 30.0% |
| Kitsap County, WA | 4 | Under 10 loans | 50.0% |
| Clackamas County, OR | 3 | Under 10 loans | 25.0% |
| Mason County, WA | 3 | Under 10 loans | 42.9% |
| San Juan County, WA | 3 | Under 10 loans | 62.5% |
| Ada County, ID | 2 | Under 10 loans | 33.3% |
| Gallatin County, MT | 2 | Under 10 loans | 0.0% |
| Valley County, ID | 1 | Under 10 loans | 0.0% |
| Benton County, OR | 1 | Under 10 loans | 0.0% |
| Clatsop County, OR | 1 | Under 10 loans | 0.0% |
| Columbia County, OR | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Umatilla County, OR | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Clallam County, WA | 1 | Under 10 loans | 0.0% |
| Grant County, WA | 1 | Under 10 loans | 50.0% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Kittitas County, WA | 1 | Under 10 loans | 50.0% |
| Kootenai County, ID | 0 | Under 10 loans | 100.0% |
| Hood River County, OR | 0 | Under 10 loans | 100.0% |
| Linn County, OR | 0 | Under 10 loans | 100.0% |
| Chelan County, WA | 0 | Under 10 loans | 100.0% |
| Ferry County, WA | 0 | Under 10 loans | 100.0% |
| Grays Harbor County, WA | 0 | Under 10 loans | 50.0% |
| Spokane County, WA | 0 | Under 10 loans | 100.0% |
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When Heritage Bank’s figures are published for the next year, or restated.
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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.