Mortgage Lender Index

Heritage Bank

Heritage Bank received 645 applications in 2025 and made 372 mortgages, in 38 counties across 4 states. The median rate its borrowers got was 7.740% on a median loan of $195,000. Of 628 decisions, 227 were denials — 36.2%, most often for debt-to-income ratio.

Legal Entity Identifier549300Z2B4FHRYOXTS09
Applications received645
Mortgages made372
Denied227
Approved, not taken up29
Withdrawn or incomplete17
Loans bought from other lenders0
Median rate spread over the prime offer rate0.54 points
FDIC-insured bankYes: Heritage Bank, 20 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase63 7.440%$445,000 27.0%
Refinancing100 7.740%$255,000 31.4%
Cash-out refinancing1 Under 10 loansUnder 10 loans 0.0%
Other purposes208 7.740%$115,000 40.3%

Where Heritage Bank lends most

The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Pierce County, WA 967.740%36.6%
King County, WA 477.740%40.5%
Island County, WA 457.740%32.4%
Snohomish County, WA 337.740%31.6%
Thurston County, WA 307.740%35.4%
Skagit County, WA 247.740%28.6%
Yakima County, WA 117.740%50.0%
Multnomah County, OR 106.880%21.4%
Whatcom County, WA 107.740%23.1%
Cowlitz County, WA 9Under 10 loans35.7%
Lewis County, WA 9Under 10 loans18.2%
Washington County, OR 7Under 10 loans46.2%
Clark County, WA 7Under 10 loans41.7%
Lane County, OR 6Under 10 loans30.0%
Kitsap County, WA 4Under 10 loans50.0%
Clackamas County, OR 3Under 10 loans25.0%
Mason County, WA 3Under 10 loans42.9%
San Juan County, WA 3Under 10 loans62.5%
Ada County, ID 2Under 10 loans33.3%
Gallatin County, MT 2Under 10 loans0.0%
Valley County, ID 1Under 10 loans0.0%
Benton County, OR 1Under 10 loans0.0%
Clatsop County, OR 1Under 10 loans0.0%
Columbia County, OR 1Under 10 loans0.0%
Deschutes County, OR 1Under 10 loans0.0%
Umatilla County, OR 1Under 10 loans0.0%
Yamhill County, OR 1Under 10 loans0.0%
Clallam County, WA 1Under 10 loans0.0%
Grant County, WA 1Under 10 loans50.0%
Jefferson County, WA 1Under 10 loans0.0%
Kittitas County, WA 1Under 10 loans50.0%
Kootenai County, ID 0Under 10 loans100.0%
Hood River County, OR 0Under 10 loans100.0%
Linn County, OR 0Under 10 loans100.0%
Chelan County, WA 0Under 10 loans100.0%
Ferry County, WA 0Under 10 loans100.0%
Grays Harbor County, WA 0Under 10 loans50.0%
Spokane County, WA 0Under 10 loans100.0%

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When Heritage Bank’s figures are published for the next year, or restated.

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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.