What loan types does Heritage Financial Credit Union offer?

Heritage Financial Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Heritage Financial Credit Union offer mortgages?

Heritage Financial Credit Union offers mortgages in 9 states: CT, FL, MA, MD, NC, NJ, NY, PA, WA.

What type of lender is Heritage Financial Credit Union?

Heritage Financial Credit Union is a Credit Union headquartered in Middletown, NY.

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Heritage Financial Credit Union

Credit Union•Middletown, NYHQ•Direct•Reviews near you on Google

Heritage Financial Credit Union has 169 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

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Report Card

Heritage Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

167 loans · 0.09% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

128 loans · 0.31% below market

Sound

Top 60% of lenders

3/5

Refinance

41 loans · 0.43% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	—	Strong	167	98.8%	+0.087%Above	$599Fees

Conventional

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume167

Mix98.8%

Spread

+0.087%Above

Fees

$599Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	—	Strong	128	75.7%	-0.306%Below	$900Fees
Refinance	Strong	Sound	—	Exceptional	41	24.3%	+0.431%Above	$334Fees

Purchase

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume128

Mix75.7%

Spread

-0.306%Below

Fees

$900Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Exceptional

Volume41

Mix24.3%

Spread

+0.431%Above

Fees

$334Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

169

Applications

173

Volume

$54 million

Pricing & Closing

Pullthrough Rate

97.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$320,385

Avg Borrower Income

$153,107

Avg Property Value

$432,041

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

9Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast5

CTMANJNYPA

South3

FLMDNC

West1

Top Metro Areas by Place Specialization Score

Kiryas Joel, NYMetro

Volume 88Mix 52.07% of portfolio

81/100

Exceptional

Kingston, NYMetro

Volume 30Mix 17.75% of portfolio

68/100

Strong

Top States by Place Specialization Score

New YorkState

Volume 141Mix 83.43% of portfolio

71/100

Strong

PennsylvaniaState

Volume 12Mix 7.10% of portfolio

42/100

Sound

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)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.