Heritage Federal Credit Union has 301 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
Explore another lender or local market
Report Card
Heritage Federal Credit Union performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 297 | 98.7% | +0.385%Above | $593Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 193 | 64.1% | +0.371%Above | $690Fees | ||||
Refinance | 108 | 35.9% | +0.403%Above | $412Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
3Full-year 2024 · HMDATop Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Heritage Federal Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.