{"citation":"Heritage Bank (Burlington, KY) SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/heritage-bank-ky/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/heritage-bank-ky/","title":"Heritage Bank (Burlington, KY) SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"FDIC BankFind: institution directory (headquarters and website)","url":"https://banks.data.fdic.gov/bankfind-suite/bankfind"}],"data":{"lender":{"name":"Heritage Bank","legal_name":"Heritage Bank Inc","type":"bank","headquarters_city":"Burlington","headquarters_state":"KY","fdic_certificate":33119,"ncua_charter":null,"regulator_status":"active","website":"https://www.ourheritage.bank","rank_by_loans":44,"lenders_ranked":807},"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"loans":422,"dollars_approved":206854800,"median_loan":150000,"loan_25th_percentile":150000,"loan_75th_percentile":558750,"median_term_months":120,"median_starting_rate_pct":11.5,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":3.75,"sba_express_share_pct":null,"line_of_credit_share_pct":0.0,"loans_by_size":{"$50,000 or less":null,"$50,001 to $150,000":272,"$150,001 to $350,000":15,"$350,001 to $500,000":18,"$500,001 to $1,000,000":64,"$1,000,001 to $2,000,000":35,"Over $2,000,000":17},"loans_by_business_age":{"In business more than 2 years":328,"In business 2 years or less":25,"Startup: the loan opens the business":28,"Change of ownership":41,"Not answered":0},"top_states":{"California":51,"Florida":47,"Texas":32,"New York":30,"Illinois":20},"top_industries":{"Full-Service Restaurants":27,"Limited-Service Restaurants":15,"General Freight Trucking, Long-Distance, Truckload":13,"Offices of Dentists":13,"All Other Professional, Scientific, and Technical Services":12},"loans_by_fiscal_year":{"2020":0,"2021":null,"2022":null,"2023":135,"2024":219,"2025":149,"2026":54},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":6,"charged_off_pct_of_loans":0.0,"charged_off_pct_of_dollars":0.0},"all_lenders":{"median_loan":150300,"median_spread_over_prime_points":2.75,"sba_express_share_pct":35.8,"line_of_credit_share_pct":28.1,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}