HERITAGE FINANCIAL CREDIT UNION
HERITAGE FINANCIAL CREDIT UNION received 507 applications in 2025 and made 441 mortgages, in 36 counties across 9 states. The median rate its borrowers got was 7.000% on a median loan of $115,000. Of 507 decisions, 66 were denials — 13.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005ZSV53K4M63M18 |
|---|---|
| Applications received | 507 |
| Mortgages made | 441 |
| Denied | 66 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.588 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 | 116 | 6.125% | $355,000 | 0.9% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 26 | 6.625% | $235,000 | 0.0% |
| Other purposes | 292 | 7.500% | $75,000 | 18.2% |
Where HERITAGE FINANCIAL CREDIT UNION lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orange County, NY | 233 | 7.000% | 11.7% |
| Pike County, PA | 59 | 7.250% | 20.3% |
| Ulster County, NY | 45 | 6.750% | 10.0% |
| Dutchess County, NY | 27 | 7.250% | 10.0% |
| Sullivan County, NY | 21 | 7.000% | 22.2% |
| Sussex County, NJ | 11 | 7.250% | 15.4% |
| Rockland County, NY | 7 | Under 10 loans | 12.5% |
| Albany County, NY | 4 | Under 10 loans | 20.0% |
| Putnam County, NY | 3 | Under 10 loans | 0.0% |
| Westchester County, NY | 3 | Under 10 loans | 0.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 2 | Under 10 loans | 0.0% |
| Bergen County, NJ | 2 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Ocean County, NJ | 1 | Under 10 loans | 0.0% |
| Passaic County, NJ | 1 | Under 10 loans | 0.0% |
| Columbia County, NY | 1 | Under 10 loans | 50.0% |
| Essex County, NY | 1 | Under 10 loans | 0.0% |
| Greene County, NY | 1 | Under 10 loans | 0.0% |
| Herkimer County, NY | 1 | Under 10 loans | 0.0% |
| Nassau County, NY | 1 | Under 10 loans | 0.0% |
| Saratoga County, NY | 1 | Under 10 loans | 0.0% |
| Seneca County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Rowan County, NC | 1 | Under 10 loans | 0.0% |
| Lorain County, OH | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Wayne County, PA | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 0 | Under 10 loans | 100.0% |
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When HERITAGE FINANCIAL 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.