Heritage to introduce new origination platform subscribe A A The non-major bank has teamed up with a credit reporting firm to launch a new origination platform. Heritage Bank has partnered with global information services company Experian to introduce a new loans origination platform, which it said would cut the processing time for an average home loan application by up to 80 per cent. Heritage Bank and Experian will work closely together over the next 12 months to roll out the platform, which will be used for both home loans and personal loans. According to Heritage Bank, the platform would cut the average time needed to load, process and assess a standard application through its branches from about five business days to roughly one business day.