Heritage Bank, N.A.: 2025 mortgage rates, costs & approvals
How Heritage Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Heritage Bank National Association · LEI 549300KUIZTYQRC0R888
In 2025, Heritage Bank, N.A. originated 185 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 39 states — 1308th by volume among the 2,017 lenders profiled here.
It denied 7.6% of completed home-purchase applications (all lenders: 8.5%).
How Heritage Bank, N.A. priced home-purchase loans
| Purchase loans, 2025 | Heritage Bank, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Heritage Bank, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Minnesota | 73 | 81 | 4.5% | — | — |
| Iowa | 16 | 18 | — | — | — |
| Texas | 11 | 15 | — | — | — |
| South Dakota | 10 | 10 | — | — | — |
| Florida | 7 | 7 | — | — | — |
| New York | 6 | 7 | — | — | — |
| Arizona | 5 | 6 | — | — | — |
| Washington | 4 | 5 | — | — | — |
| Georgia | 4 | 4 | — | — | — |
| Massachusetts | 4 | 4 | — | — | — |
| Pennsylvania | 4 | 4 | — | — | — |
| North Carolina | 3 | 4 | — | — | — |
| California | 3 | 3 | — | — | — |
| Illinois | 2 | 3 | — | — | — |
| Michigan | 2 | 3 | — | — | — |
| New Jersey | 2 | 3 | — | — | — |
| Nevada | 2 | 3 | — | — | — |
| Indiana | 2 | 2 | — | — | — |
| Kansas | 2 | 2 | — | — | — |
| Montana | 2 | 2 | — | — | — |
| Oklahoma | 2 | 2 | — | — | — |
| Oregon | 2 | 2 | — | — | — |
| Wisconsin | 2 | 2 | — | — | — |
| West Virginia | 2 | 2 | — | — | — |
| Alabama | 1 | 2 | — | — | — |
| Missouri | 1 | 2 | — | — | — |
| Ohio | 1 | 2 | — | — | — |
| Alaska | 1 | 1 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Hawaii | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
| Rhode Island | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
| Nebraska | 0 | 2 | — | — | — |
| Utah | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Heritage Bank, N.A.'s page for that state.
Counties where Heritage Bank, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kandiyohi County, MN | 3 | 31 | 6.8% |
| Fallon County, MT | 7 | 1 | 5.9% |
| Charles Mix County, SD | 7 | 2 | 4.9% |
| Chippewa County, MN | 8 | 4 | 3.8% |
| Ochiltree County, TX | 21 | 1 | 1.7% |
| Plymouth County, IA | 15 | 4 | 1.5% |
| Renville County, MN | 20 | 2 | 1.4% |
| Kodiak Island Borough, AK | 24 | 1 | 1.0% |
| Woodbury County, IA | 20 | 10 | 0.8% |
Check Heritage Bank, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300KUIZTYQRC0R888.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Heritage Bank, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology