# HERITAGE FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/heritage-financial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HERITAGE FINANCIAL CREDIT UNION is a credit union, headquartered in Middletown, NY, serving borrowers across 9 states, with 169 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493005ZSV53K4M63M18
- **Headquarters:** Middletown, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** CT, FL, MA, MD, NC, NJ, NY, PA, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 169
- **Dollar Volume:** $54 million
- **Applications Received:** 173
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $320,385
- **Average Borrower Income:** $153,107
- **Average Property Value:** $432,041

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 167 | +0.087% | $599 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 126 loans, Score: 51/100 (Sound)
- Refinance: 41 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 128 | $44M | -0.306% | Sound ☺️ |
| Refinance | 53/100 | 41 | $10M | +0.431% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 141 | 0.12% | 71/100 |
| PA | 12 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kiryas Joel | NY | 88 | 81/100 |
| Kingston, NY | NY | 30 | 68/100 |
| Non |  | 21 | 34/100 |

## Where This Lender Ranks

HERITAGE FINANCIAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Kingston, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Kiryas Joel Credit Unions
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Kiryas Joel for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#16** in Kingston, NY
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders)

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Middletown, NY.

### What is HERITAGE FINANCIAL CREDIT UNION's loan approval success rate?

HERITAGE FINANCIAL CREDIT UNION has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/heritage-financial-credit-union

### How to Cite

> "HERITAGE FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heritage-financial-credit-union

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