BAYER HERITAGE CREDIT UNION
BAYER HERITAGE CREDIT UNION received 547 applications in 2025 and made 371 mortgages, in 62 counties across 7 states. The median rate its borrowers got was 6.000% on a median loan of $75,000. Of 471 decisions, 100 were denials — 21.2%, most often for credit history.
| Legal Entity Identifier | 549300VIRTE6O2776X89 |
|---|---|
| Applications received | 547 |
| Mortgages made | 371 |
| Denied | 100 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 76 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.21 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 | 74 | 5.875% | $125,000 | 15.9% |
| Refinancing | 28 | 5.875% | $200,000 | 31.7% |
| Cash-out refinancing | 72 | 6.000% | $140,000 | 21.7% |
| Other purposes | 197 | 6.000% | $45,000 | 21.2% |
Where BAYER HERITAGE CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marshall County, WV | 85 | 6.000% | 12.4% |
| Wetzel County, WV | 71 | 5.875% | 17.4% |
| Tyler County, WV | 24 | 5.813% | 20.0% |
| Belmont County, OH | 23 | 6.000% | 36.1% |
| Muskingum County, OH | 20 | 6.000% | 25.9% |
| Ohio County, WV | 19 | 5.875% | 13.6% |
| Monroe County, OH | 17 | 6.000% | 26.1% |
| Berkeley County, SC | 17 | 5.250% | 32.0% |
| Allegheny County, PA | 14 | 5.500% | 6.7% |
| Harris County, TX | 6 | Under 10 loans | 33.3% |
| Chambers County, TX | 5 | Under 10 loans | 37.5% |
| Raleigh County, WV | 5 | Under 10 loans | 16.7% |
| Jefferson County, OH | 4 | Under 10 loans | 33.3% |
| Washington County, OH | 4 | Under 10 loans | 20.0% |
| Washington County, PA | 4 | Under 10 loans | 0.0% |
| Monongalia County, WV | 4 | Under 10 loans | 20.0% |
| Licking County, OH | 3 | Under 10 loans | 0.0% |
| Dorchester County, SC | 3 | Under 10 loans | 57.1% |
| Berkeley County, WV | 3 | Under 10 loans | 40.0% |
| Wyoming County, WV | 3 | Under 10 loans | 25.0% |
| Butler County, PA | 2 | Under 10 loans | 0.0% |
| Charleston County, SC | 2 | Under 10 loans | 33.3% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| Pleasants County, WV | 2 | Under 10 loans | 33.3% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Okeechobee County, FL | 1 | Under 10 loans | 0.0% |
| Caldwell County, NC | 1 | Under 10 loans | 0.0% |
| Rowan County, NC | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Guernsey County, OH | 1 | Under 10 loans | 0.0% |
| Harrison County, OH | 1 | Under 10 loans | 50.0% |
| Perry County, OH | 1 | Under 10 loans | 0.0% |
| Sandusky County, OH | 1 | Under 10 loans | 0.0% |
| Beaver County, PA | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Orangeburg County, SC | 1 | Under 10 loans | 50.0% |
| Richland County, SC | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 50.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Liberty County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Navarro County, TX | 1 | Under 10 loans | 0.0% |
| Polk County, TX | 1 | Under 10 loans | 0.0% |
| Brooke County, WV | 1 | Under 10 loans | 50.0% |
| Doddridge County, WV | 1 | Under 10 loans | 0.0% |
| Fayette County, WV | 1 | Under 10 loans | 50.0% |
| Jefferson County, WV | 1 | Under 10 loans | 0.0% |
| Marion County, WV | 1 | Under 10 loans | 0.0% |
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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.