Heritage Bank, Inc.
Heritage Bank, Inc. received 427 applications in 2025 and made 313 mortgages, in 20 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 397 decisions, 84 were denials — 21.2%.
| Legal Entity Identifier | 549300XT5WP4TMNXL317 |
|---|---|
| Applications received | 427 |
| Mortgages made | 313 |
| Denied | 84 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Heritage Bank, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 28 | Not published | $265,000 | 3.5% |
| Refinancing | 103 | Not published | $125,000 | 8.0% |
| Other purposes | 182 | Not published | $95,000 | 28.9% |
Where Heritage Bank, Inc. lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Boone County, KY | 81 | Not published | 21.4% |
| Kenton County, KY | 76 | Not published | 24.8% |
| Campbell County, KY | 53 | Not published | 11.7% |
| Grant County, KY | 27 | Not published | 27.0% |
| Pendleton County, KY | 26 | Not published | 3.7% |
| Hamilton County, OH | 22 | Not published | 31.3% |
| Warren County, OH | 11 | Not published | 8.3% |
| Butler County, OH | 4 | Under 10 loans | 20.0% |
| Clermont County, OH | 3 | Under 10 loans | 25.0% |
| Owen County, KY | 2 | Under 10 loans | 50.0% |
| Bracken County, KY | 1 | Under 10 loans | 66.7% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Gallatin County, KY | 1 | Under 10 loans | 0.0% |
| Russell County, KY | 1 | Under 10 loans | 0.0% |
| Adams County, OH | 1 | Under 10 loans | 0.0% |
| Greene County, OH | 1 | Under 10 loans | 66.7% |
| Montgomery County, OH | 1 | Under 10 loans | 0.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
| Switzerland County, IN | 0 | Under 10 loans | Not published |
| Brown County, OH | 0 | Under 10 loans | Not published |
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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.