HERITAGE VALLEY
HERITAGE VALLEY received 227 applications in 2025 and made 177 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 6.490% on a median loan of $55,000. Of 211 decisions, 34 were denials — 16.1%, most often for credit history. 29 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300JUZBXW5SUK5V79 |
|---|---|
| Applications received | 227 |
| Mortgages made | 177 |
| Denied | 34 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.49 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 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Refinancing | 11 | 6.490% | $95,000 | 26.7% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 162 | 6.490% | $55,000 | 15.2% |
Where HERITAGE VALLEY lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| York County, PA | 169 | 6.490% | 8.6% |
| Lancaster County, PA | 2 | Under 10 loans | 0.0% |
| Adams County, PA | 1 | Under 10 loans | 50.0% |
| Potter County, PA | 0 | Under 10 loans | 100.0% |
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When HERITAGE VALLEY’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.