Heritage Community Bank
Heritage Community Bank received 225 applications in 2025 and made 215 mortgages, in 26 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $185,000. Of 225 decisions, 3 were denials — 1.3%.
| Legal Entity Identifier | 5493004Z2SGQGCU5RB44 |
|---|---|
| Applications received | 225 |
| Mortgages made | 215 |
| Denied | 3 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Heritage Community Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 137 | Not published | $185,000 | 1.4% |
| Refinancing | 77 | Not published | $165,000 | 1.2% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Heritage Community Bank lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MO | 53 | Not published | 1.8% |
| Franklin County, MO | 37 | Not published | 2.5% |
| Jefferson County, MO | 20 | Not published | 0.0% |
| Warren County, MO | 20 | Not published | 0.0% |
| St. Louis city, MO | 18 | Not published | 0.0% |
| St. Charles County, MO | 15 | Not published | 0.0% |
| Cole County, MO | 9 | Under 10 loans | 0.0% |
| Osage County, MO | 8 | Under 10 loans | 0.0% |
| Gasconade County, MO | 7 | Under 10 loans | 0.0% |
| Montgomery County, MO | 5 | Under 10 loans | 0.0% |
| Audrain County, MO | 2 | Under 10 loans | 0.0% |
| Boone County, MO | 2 | Under 10 loans | 0.0% |
| Crawford County, MO | 2 | Under 10 loans | 0.0% |
| Lincoln County, MO | 2 | Under 10 loans | 0.0% |
| Miller County, MO | 2 | Under 10 loans | 33.3% |
| Ralls County, MO | 2 | Under 10 loans | 0.0% |
| St. Francois County, MO | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Callaway County, MO | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Henry County, MO | 1 | Under 10 loans | 0.0% |
| Monroe County, MO | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Pettis County, MO | 1 | Under 10 loans | 0.0% |
| Washington County, MO | 1 | Under 10 loans | 0.0% |
| Wayne County, MO | 1 | Under 10 loans | 0.0% |
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When Heritage Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.