Heritage Bank NA
310 1st St S, Willmar
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I would highly recommend Heritage Bank NA to anyone—especially those seeking their first home. Because my husband and I were purchasing our first house, we required more assistance and support along the way. Nikki Rydberg was a terrific … More loan officer and never hesitated to get on the phone and chat through things with us, even after hours and on the weekends. Because of Nikki’s quality service, we were able to enjoy the full process. The digital app also made reviewing documents and managing our to-do list much easier. In the end, we landed our dream house and couldn’t be more thrilled Overall, we had an exceptional experience with Heritage Bank, and particularly Nikki. Thanks for everything! -
I worked with Jean Marthaler!!!!!! For at least a year and the relationship grew as the process did not. Jean is so kind and patient, she even worked with me on her vacation through spotty service. Jean will always be a part of my story … More
My first home I bought but Jeans
Efforts were above and beyond the calling from my point of view. Highly recommend working with Jean
I can never repay what this home means to me and my family. Thank you Jean for taking us out to eat.
Thank you for your words and time.
Thank you for your hugs and laughs.
Much love and respect -
We worked with Chris Vraa at this bank with a loan recently. It was a wonderful experience. She worked quickly and efficiently to process the needed support documents and tracked the progress of the closing and beyond. She did the work … More in about 1/2 of the time estimated when we began the application. -
I suppose I don't really know how to say this any other way but these people will help you. If you think you're a "millennial" or there is no way you could possibly afford a home I would call Julie immediately she will … More make it happen as long as you have your paperwork in order! they are great people to work with, they listen to your problems and remain professional it's more than just speaking to a robot or a professional that you pay to help you when you are working with heritage bank they are there for the whole thing I will be for sure be asking in the future for any other help with loan properties or buying/selling a home. Please take this review seriously these people know what they're doing they will remind you not to be stressed have faith in the process and they stay on top of everything. you too can live the American dream and become a homeowner I thought it was impossible until now. I am so happy. -
Working with Chris Vraa at Heritage Bank was a dream. Getting your first home takes a lot of steps and hoop jumping. Chris will set you up for success and is extremely experienced and knows exactly what to look for. Could not recommend … More enough. -
**Exceptional Mortgage Lending Service – A Seamless Refinancing Experience**
I had the pleasure of working with **Julie** and her outstanding team during my recent mortgage refinancing, and I am thoroughly impressed by the level of service … More I received. From the very start of the process, Julie demonstrated exceptional professionalism, expertise, and commitment. Her team worked tirelessly around the clock, maintaining clear communication and providing timely updates at every stage. Their **attention to detail** and thorough approach ensured that the refinancing process was not only smooth but efficient and stress-free.
Having secured multiple mortgage loans in the past, I can confidently say that this experience stands out as the most seamless and well-executed. Julie and her team's **dedication to excellence**, coupled with their ability to navigate the complexities of the refinancing process, is truly unmatched in the industry. Their focus on client satisfaction and ensuring that all of my questions and concerns were addressed in real-time made a significant difference.
I wholeheartedly recommend Julie and her team for anyone seeking mortgage services. Their **commitment to delivering a top-tier customer experience**, alongside their strong work ethic and ability to meet deadlines, sets them apart in the lending space. Without a doubt, Julie has raised the bar, and I look forward to working with her again in the future.
Thank you again,
Si Tarighi -
I couldn't be happier with my experience working with Chris on my recent mortgage. From the very beginning, she was incredibly knowledgeable, patient, and always willing to go the extra mile.
Chris made the entire process stress-free … More and easy to understand. She explained everything clearly, answered all of my questions promptly, and even helped me navigate some unexpected hurdles. Her expertise and dedication were instrumental in securing a great loan that met my needs and exceeded my expectations.
I highly recommend Chris to anyone looking for a mortgage lender who truly cares about their clients and delivers exceptional service. Thank you, Chris, for making the home buying process a smooth and enjoyable experience! -
Chris Vraa was great to work with! We would highly recommend her for any of your loan needs. She found the best loan terms and interest rate for our mortgage. Chris explained in detail what each step of the loan process was and was very … More prompt on answering our questions. She is very professional and "on top" of everything for her customers! -
My husband and I recently refinanced our home and our experience couldn't have been better. Chris Vraa was so great to work with. She answered our questions, communicated with us through the entire process and made the closing go … More smoothly.
We highly recommend Chris and Heritage Bank! -
Nikki and her team helped us secure a physician loan when we didn’t think we could qualify to buy a house and other lenders couldn’t help us. It took a lot of effort and attention to details due to our unique situation, but it paid off. … More We are happy to finally be reunited after a cross country move. -
Working with Teresa made buying a house smooth and simple. I couldn’t be more thankful for her time and patience. I can’t fully put into words how thankful I am for her. Just thank you so much. If you haven’t worked with Teresa at Heritage … More please do so, you wouldn’t regret it. Any future transactions just know I will be calling you😊 -
Thank you to team at Heritage.They where very helpful and understanding. I appreciate there work. It was unique experience.I am now one step closer to my future goals..Thank you again. It was great working with them. -
Nikki helped me through the mortgage lending process. She helped me achieve one of my life goals of owning my own property, made the lending process easy, and answered any question that I had throughout the process. I would highly recommend … More her! -
I bought my first house back in December. Working with Nikki Rydberg made the process so easy. She was able to answer all my questions and get information to me quickly. Highly recommend working with Nikki and Heritage Bank!!! -
Chris Vraa was beyond wonderful to work with! She always responded in a timely manner and she was great about making sure everyone is on the same page. I strongly recommend talking to her about any of your mortgage questions. -
I had an outstanding experience working with Julie as my buyers lender! Throughout the entire process, she maintained clear and effective communication, keeping both the buyer and me informed every step of the way. Julie's dedication … More and professionalism were evident, and she went above and beyond to ensure a smooth transaction.
One of the remarkable aspects of Julie's service was her efficiency. She managed to clear the file two weeks before the scheduled closing, providing the buyer with the opportunity to close early. This not only demonstrated her expertise but also showcased a commitment to delivering exceptional results in a timely manner.
If you're in search of a reliable and proactive lender, I highly recommend Julie. Her attention to detail, proactive communication, and ability to expedite the closing process make her an excellent choice for anyone navigating the complexities of real estate financing. Thank you, Julie, for your outstanding service! -
We worked with Jean at PhysicianBank to purchase our new home and we are very pleased with the experience. She is friendly and helpful and works hard to make sure everything is completed in a timely manner. She is responsive after hours … More and worked hard to ensure everything was set for our desired closing date. The Interest rate on the mortgage was extremely competitive and they offered incentives to even further reduce it. We enjoyed working with Juanita on the banking side as well. Thank you!! -
Easy to get in contact with! Chris was very helpful and explained everything that needed to be. I appreciate all Heritage and Chris did! -
Very helpful and great communication! Teresa made our first time home buying experience quick and easy. I was given knowledge and answers to questions when needed. I never felt like I couldn’t rely on her at anytime if I had any concerns! … More Her eagerness to help us was very helpful and great! -
We have had a great experience with Heritage Bank as a whole. Their customer service is top notch, their employees are very knowledgeable. The reason I gave four stars is due to the fact they recently changed to third party mortgage processing … More and got rid of their app. I prefer to deal local, that was one of the main reasons we went with them to begin with. Overall a great company to work with. -
Very thankful for my experience. I got a great person named Julie Velline. She has no idea how much i appreciate her. Made it so easy to work with and accomplish my goal. Plus side for me I ended up in a better position than I expected. … More It was above and beyond. -
I recently had fraud on my card. Heritage was very quick to close my card, issue a new one, and give me a credit for monies lost until the fraud dispute was complete. -
To Julie Vellines's supervisor/upper management.
I don't usually reach out this way, but I felt compelled to do so after my last experience working with Julie Velline. We have worked with Julie in the past with the purchase of … More our home in 2019. She was then and always since then has been a tremendous help with every question I have ever contacted her with. She always answers in a quick and timely manner. Always professional always a pleasure to communicate with. This time she went over and beyond with her customer service she has to be the most understanding, caring, intelligent, human being I have ever had the pleasure of working with. To give you just a little insight to how wonderful this person is we were starting a home equity loan at the beginning of September. And of course I contacted Julie for her assistance in the matter. Well shortly after I contacted her there were some traumatic events that occurred to do with my family. One of which was the death of my mother needless to say I was a mess. And with all the paperwork and everything I was constantly calling and texting her not knowing what certain documents look like, how to send them, ect.. My emotional state was abit erratic to say the least. But with her patience and caring and understanding heart. She got us threw the process in a timely manner. She always remained professional. But truly knew she also cared. I will refer everyone I know to her as a lender. And I will always go to her for any of our family business. Thank you for your time in reading this. I just really wanted you to know what a wonderful person you have representing Heritage Bank.
Thank you Jeanie Schalow. -
I have worked with Chris Vraa on several mortgage/refinancing transactions. She was very friendly, helpful and kept us informed at every step. Would highly recommend. -
Ryan and his team were amazing to work with! They made the home buying process a breeze!! He was well organized and took care of every detail. -
My experience with Heritage Bank has been wonderful. They have such great and caring staff there that are always there to help their customers, as well as take care of their staff like family. Adam was wonderful to work with, always went … More above and beyond, and always took the time to answer any questions. He was not only a great at his job, but an awesome human being as well. He is greatly missed. -
Heritage Bank has been my bank for my business and personal for over 10 years. What a personal and professional experience each and every time I go in. The staff always is there to help. Could not recommend them enough for both business … More or personal banking. Truly the best bank I have ever worked with! -
Our experience with Heritage Bank has been wonderful. My husband and I refinanced our home in 2020 and the entire process was seamless! At every step our mortgage lender, Julie Velline, was in constant contact, answered all of our questions, … More was on top of every issue, and an absolute joy to work with! We closed on time and Heritage Bank has continued its excellent customer service. I cannot recommend this bank highly enough. -
My husband and I bought a house 7 months ago and got our mortgage through Heritage Bank. We were very happy with their service, especially Julie Velline. She was very helpful and has been great following up to see if we have any other … More needs. Highly recommend. -
I would highly recommend Heritage Bank to everyone. The mortgage department went the extra mile to assure my mortgage was serviced properly. The staff were incredible to work with. They were always available when I had questions. Thank … More you for your fantastic customer service. -
Had a great experience with Ryan Kaufmann! We had an odd situation where we were partially built before starting and then took longer than expected to finish still and they were flexible with us and made everything as easy as possible. … More Ryan was super responsive(definitely more than expected, replying to things on weekends even) which kept things moving when necessary! Would definitely recommend. -
Becky was super helpful when our mortgage had a series of changes to it. Instead of losing our insurance we were able to reinstate the policy. We struggled with being able to fix the situation until Becky helped us out. Without her help … More I am convinced that we would have lost our insurance. She was an essential part in recovering during the transition. Thank you for having her on your team! I thoroughly enjoy the fact that you have such great people working for you who can provide amazing customer service support. Thank you Becky! You were a lifesaver for us in our time of need. -
Heritage bank has been a huge factor in the growth of our real estate portfolio. They took a chance and trusted us on our first apartment purchase in 2020 when other banks wouldn’t. Since then, they have financed all of our apartment purchases … More since and continue to do a great job as we continue to grow our portfolio. Scott, their portfolio manager has been a great source of knowledge when it comes to analyzing our deals and putting the proper debt structure in place to make sure the project is set up for success every time. Highly recommend -
Awesome place to bank with wonderful people. They don't just talk the talk they also walk the walk. Scott is great to work with, and regardless of who you talk to you are always greeted with a smile and can talk to a real person who … More genuinely cares about your needs. If I could give more than 5 stars I definitely would! -
We were very satisfied with the service we got from Heritage Bank NA. We wanted to improve our dairy operation by putting in a milking parlor and this bank made it happen. This has made our work load on the farm so much easier and better … More for us. We are more than satisfied with the service they gave us. They kept in close contact with us and were very friendly to work with. -
I have had several dealings with Heritage Bank over the past several years and they have been fantastic to work with. Always coming up with creative solutions and offerings to solve for what I was trying to do and saving me money. I highly … More recommend Joyce and her team! -
My husband and I did our refinance with Heritage Bank we had a great experience with Joyce and Ryun. They were both professional and very helpful in finding us the best rate. The process was fast and easy and Ryun was always available … More to help when we had questions. I've referred several friends and family to Heritage Bank. 5 Stars for sure! -
What an incredible app! I was surprised at the ease of doing business from my phone. The mortgage lender always responded quickly, even during the evening of a holiday weekend. I would highly recommend Heritage Bank and the app in the future … More to family and friends. Well done! -
Working with Heritage Bank to refinance was super easy, efficient, and had a clear/well communicated process. We felt like we were heard when we had questions and we never once felt like we didn’t know where we were in the overall timeline. … More We would definitely use Heritage Bank again for any mortgage needs. -
I'm at Jean Marthaler at my work she is a very good customer .... She has talked about her job several times and I was like hey I need to find a house she's like oh please let me know I'd be willing to help you... Oh my gosh … More that is great so we set up a time and became looking for approval for doing the house gave her all the information that I needed to give her and she's always so excited just to get everything done for the customer trying to stay on top of everything that is possible to help somebody out... She stays up late hours working hard on helping the customer I would recommend her to anyone she's just willing to help out anybody that is willing and need of a house thank you so much Jean for once again for helping me I could not have done it without you -
I appreciate that Heritage is small enough that I'm recognized and greeted when I come in. I also appreciate the online banking piece to keep track of my money. The only drawback is the location closest to me is open the same exact … More hours that I work, including not being open on Saturday or Sunday. There is no ATM at the location closest to me so I really have no access to my money via an ATM because the nearest one is a 20 minute drive. -
Monica is so on top of EVERYTHING in the mortgage process...no need to worry about anything! She takes care of it ALL! And she does it with a smile on her face! You will NOT be disappointed by this hard working lender! Don't just … More look at rates -- look at the process, it will be sooo worth it in the long run to have Monica help you with your loan! You won't regret it! -
Monica did an amazing job always communicating with both me as the agent and the buyer. This transaction was not easy with Monica assisting with both FHA & MyPad grant. She was always on top of everything and always made herself accessible … More when we had concerns and questions. I would recommend her to anyone! -
Heritage helped me open up my first checking account. This stuff is like a foreign language to me. They really took the time to walk me through how to get a debit card, sign up for online banking and how to get my paycheck direct deposited. … More I would recommend this bank to ANYONE! They have excellent online banking and always someone to talk to if I need help. -
I liked banking with Heritage for a few years. The staff were always accessible, and very helpful to me on the phone. But, when they changed the requirements and lowered the interest rate, I felt it necessary to leave the bank for another … More one. I would come back if the requirements went back and increased the interest rate! -
Staff at Heritage Bank made our refinancing experience so smooth. We had some apprehension and they were always available to answer questions to ease any concern. Joyce and Jeff continue to be readily available to answer questions or run … More scenarios to determine our current best options for home buying! -
Heritage bank made it easy to open a bank account and I really like how user friendly their bank app has been! I also got a mortgage through them and they made the process smooth and easy with the help of their online portal. Everyone … More has been great to work with, especially Kaylee and Teresa! -
Sara Sangwin was the best. Helped me every step of the way. Even when I wasn’t sure I was going to be able to, she was there. Amazing work!! -
Mary Scmidt at the pennock location has been extremely helpful. She is always willing to help and is quick to get the paperwork and information needed. She has helped my niece and nephew navigate through closing out and setting up estate … More accounts. She is awesome. Janet Jansen -
Best experience I've ever had purchasing a home...and I've purchased at least 6 with several refis. Matt, Julie, Tanya, & Joyce are ones to have on your side and I couldn't recommend them more. Thank you! -
Mary Schmidt has been super to work with every time I go into the Pennock Branch location. She recently helped my son and I set up a business account for his lawn care business. I really enjoy working with Mary as she is organized and … More very friendly. -
Best place to bank & work - ever! Its like a family! A team who looks to give the best customer service ever! -
Christine Vraa was an absolute joy to work with.... Lucky to have her help us! -
Chris is always on top of communication and what is happening with your Mortgage Loan. Highly recommend! -
I would give almost a perfect review except the ATM is out of money alot. Otherwise I've had them for years and they are great! I'm even moving where there isn't a heritage bank and I'm still keeping my bank here. The … More customer service is always outstanding! -
Excellent service. Chris simplified the entire refinancing process for us. -
My husband and I were trying to find a place to live upon me finishing veterinary school. Originally, we had planned to rent, but soon found that wouldn't be an option for us in the small town we were moving to. We tried to obtain … More a loan with our parents as co-signers from our bank back home, but that bank would only offer a small loan, with a 20% down payment and very high interest rate.
We began searching online for other options and happened upon Heritage Bank. We found that, as a veterinarian, I qualified for their Physicians Loan, which was a home loan with 0% down payment, a low fixed interest rate for the first several years, and offered more than enough loan money to purchase a home. This was such a relief, as though we would have little income just coming out of veterinary school, this would allow us to invest in a home that we knew we could pay off once I started working. Our representative, Sara Sangwin, was absolutely wonderful to work with, answering all of our questions as new homeowners (and at any time of day/night!).
Heritage Bank was truly a blessing to us in a most stressful time of transition in our lives, and one year later we still cannot believe how wonderful it is to be in our own home! I would (and have!) recommend Heritage Bank to other veterinarians/physicians that are struggling to find a home during that transition period of student to doctor. They truly are there to help and couldn't be more wonderful during the entire process. Thank you again to Sara and the team at Heritage Bank! -
Great local bank, looks very sharp after the recent remodel. Also love their debit card design.