HERITAGE COMMUNITY CREDIT UNION
HERITAGE COMMUNITY CREDIT UNION received 121 applications in 2025 and made 84 mortgages, in 21 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 105 decisions, 21 were denials — 20.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300P7QM2ETZZY0323 |
|---|---|
| Applications received | 121 |
| Mortgages made | 84 |
| Denied | 21 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 21 |
| Median rate spread over the prime offer rate | 1.449 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Other purposes | 76 | 7.290% | $105,000 | 15.6% |
Where HERITAGE COMMUNITY CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sacramento County, CA | 54 | 7.250% | 15.6% |
| El Dorado County, CA | 12 | 7.695% | 14.3% |
| Placer County, CA | 10 | 7.270% | 9.1% |
| San Joaquin County, CA | 3 | Under 10 loans | 40.0% |
| San Francisco County, CA | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 0 | Under 10 loans | Not published |
| Lake County, CA | 0 | Under 10 loans | Not published |
| Los Angeles County, CA | 0 | Under 10 loans | 100.0% |
| Monterey County, CA | 0 | Under 10 loans | 100.0% |
| Orange County, CA | 0 | Under 10 loans | Not published |
| San Bernardino County, CA | 0 | Under 10 loans | Not published |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| San Mateo County, CA | 0 | Under 10 loans | Not published |
| Santa Barbara County, CA | 0 | Under 10 loans | Not published |
| Santa Clara County, CA | 0 | Under 10 loans | 100.0% |
| Sonoma County, CA | 0 | Under 10 loans | Not published |
| Sutter County, CA | 0 | Under 10 loans | 100.0% |
| Yolo County, CA | 0 | Under 10 loans | Not published |
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When HERITAGE COMMUNITY CREDIT UNION’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.