Heritage Bank
Heritage Bank received 112 applications in 2025 and made 93 mortgages, in 25 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 103 decisions, 6 were denials — 5.8%.
| Legal Entity Identifier | 5493000H7FLU47PQYQ10 |
|---|---|
| Applications received | 112 |
| Mortgages made | 93 |
| Denied | 6 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| 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 | 49 | Not published | $135,000 | 5.5% |
| Refinancing | 25 | Not published | $195,000 | 3.9% |
| Other purposes | 19 | Not published | $55,000 | 9.1% |
Where Heritage Bank lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hall County, NE | 15 | Not published | 0.0% |
| Adams County, NE | 14 | Not published | 5.6% |
| Madison County, NE | 9 | Under 10 loans | 0.0% |
| Webster County, NE | 9 | Under 10 loans | 16.7% |
| Hamilton County, NE | 6 | Under 10 loans | 14.3% |
| Lancaster County, NE | 5 | Under 10 loans | 0.0% |
| Buffalo County, NE | 4 | Under 10 loans | 0.0% |
| Howard County, NE | 4 | Under 10 loans | 0.0% |
| Merrick County, NE | 4 | Under 10 loans | 0.0% |
| Antelope County, NE | 3 | Under 10 loans | 0.0% |
| Douglas County, NE | 3 | Under 10 loans | 0.0% |
| Cheyenne County, CO | 2 | Under 10 loans | 0.0% |
| Clay County, NE | 2 | Under 10 loans | 0.0% |
| Dawson County, NE | 2 | Under 10 loans | 33.3% |
| Lincoln County, NE | 2 | Under 10 loans | 0.0% |
| Nodaway County, MO | 1 | Under 10 loans | 0.0% |
| Custer County, NE | 1 | Under 10 loans | 0.0% |
| Franklin County, NE | 1 | Under 10 loans | 0.0% |
| Kearney County, NE | 1 | Under 10 loans | 0.0% |
| Stanton County, NE | 1 | Under 10 loans | 0.0% |
| Wayne County, NE | 1 | Under 10 loans | 0.0% |
| York County, NE | 1 | Under 10 loans | 0.0% |
| Yankton County, SD | 1 | Under 10 loans | 50.0% |
| Erath County, TX | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 0 | Under 10 loans | Not published |
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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.