Heritage Federal Credit Union
Heritage Federal Credit Union received 908 applications in 2025 and made 612 mortgages, in 35 counties across 6 states. The median rate its borrowers got was 7.125% on a median loan of $105,000. Of 808 decisions, 174 were denials — 21.5%, most often for credit history.
| Legal Entity Identifier | 254900YPMNKIA6O0HC78 |
|---|---|
| Applications received | 908 |
| Mortgages made | 612 |
| Denied | 174 |
| Approved, not taken up | 22 |
| Withdrawn or incomplete | 100 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.167 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 | 212 | 6.625% | $190,000 | 5.1% |
| Refinancing | 159 | 7.750% | $85,000 | 17.3% |
| Cash-out refinancing | 65 | 6.625% | $155,000 | 12.7% |
| Other purposes | 176 | 8.250% | $35,000 | 39.9% |
Where Heritage Federal Credit Union lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Vanderburgh County, IN | 241 | 7.000% | 24.2% |
| Warrick County, IN | 188 | 7.250% | 18.4% |
| Posey County, IN | 50 | 7.438% | 13.6% |
| Henderson County, KY | 34 | 7.813% | 22.2% |
| Daviess County, KY | 25 | 6.750% | 24.2% |
| Gibson County, IN | 22 | 7.000% | 17.9% |
| Spencer County, IN | 18 | 7.063% | 25.0% |
| McLean County, KY | 4 | Under 10 loans | 20.0% |
| White County, IL | 3 | Under 10 loans | 0.0% |
| Clark County, IN | 3 | Under 10 loans | 0.0% |
| Ohio County, KY | 3 | Under 10 loans | 20.0% |
| Gallatin County, IL | 2 | Under 10 loans | 0.0% |
| Hamilton County, IN | 2 | Under 10 loans | 0.0% |
| Pike County, IN | 2 | Under 10 loans | 20.0% |
| Muhlenberg County, KY | 2 | Under 10 loans | 33.3% |
| Webster County, KY | 2 | Under 10 loans | 60.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Richland County, IL | 1 | Under 10 loans | 0.0% |
| Daviess County, IN | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 1 | Under 10 loans | 0.0% |
| Caldwell County, KY | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Hopkins County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Livingston County, KY | 1 | Under 10 loans | 0.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Nelson County, KY | 1 | Under 10 loans | 0.0% |
| Hardin County, IL | 0 | Under 10 loans | Not published |
| Crawford County, IN | 0 | Under 10 loans | Not published |
| Dubois County, IN | 0 | Under 10 loans | 100.0% |
| Perry County, IN | 0 | Under 10 loans | Not published |
| Kenton County, KY | 0 | Under 10 loans | 100.0% |
| Union County, KY | 0 | Under 10 loans | 100.0% |
| Hennepin County, MN | 0 | Under 10 loans | Not published |
| Multnomah County, OR | 0 | Under 10 loans | Not published |
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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.