Heritage Federal Credit Union closing costs and rates (2024)
In 2024, Heritage Federal Credit Union originated 200 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $2,545. That is $4,196 below the national median of $6,741. Heritage Federal Credit Union is most active in Indiana with 175 originations there.
Purchase Originations
200
Median Total Costs
$2,545
−62.3% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$649
Median Lender Credits
$25
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 200 | 6.625% | $2,545 | $649 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,130 | 6.000% | — | 1 | −$415 | |
| 2 | $2,136 | 6.875% | — | 1 | −$409 | |
| 3 | $2,283 | 7.000% | — | 3 | −$262 | |
| 4 | $2,285 | 7.000% | — | 11 | −$260 | |
| 5 | $2,307 | 6.000% | — | 1 | −$238 | |
| 6 | $2,327 | 6.375% | — | 10 | −$218 | |
| 7 | $2,424 | 7.062% | — | 2 | −$121 | |
| 8 | $2,458 | 6.500% | — | 1 | −$87 | |
| 9 | $2,470 | 6.875% | — | 7 | −$75 | |
| 10 | $2,512 | 6.750% | — | 89 | −$33 | |
| 11 | $2,525 | 6.625% | — | 44 | −$20 | |
| 12 | $2,560 | 6.375% | — | 3 | +$15 | |
| 13 | $2,581 | 6.875% | — | 1 | +$36 | |
| 14 | $2,668 | 6.875% | — | 1 | +$123 | |
| 15 | $2,695 | 6.875% | — | 1 | +$150 | |
| 16 | $2,896 | 6.625% | — | 11 | +$351 | |
| 17 | $2,900 | 6.750% | — | 10 | +$355 | |
| 18 | $3,035 | 7.375% | — | 1 | +$490 | |
| 19 | $3,067 | 6.625% | — | 1 | +$522 | |
| 20 | $3,289 | 6.875% | — | 1 | +$744 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.