HERITAGE SOUTH COMMUNITY CU
HERITAGE SOUTH COMMUNITY CU received 151 applications in 2025 and made 113 mortgages, in 12 counties across 1 state. The median rate its borrowers got was 8.270% on a median loan of $145,000. Of 151 decisions, 21 were denials — 13.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006MRGHEPWMR2015 |
|---|---|
| Applications received | 151 |
| Mortgages made | 113 |
| Denied | 21 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.5 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 45 | 8.270% | $205,000 | 16.7% |
| Refinancing | 28 | 8.460% | $120,000 | 5.9% |
| Cash-out refinancing | 37 | 7.710% | $95,000 | 10.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 57.1% |
Where HERITAGE SOUTH COMMUNITY CU lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bedford County, TN | 41 | 8.100% | 16.4% |
| Marshall County, TN | 31 | 8.200% | 10.0% |
| Rutherford County, TN | 21 | 8.450% | 16.1% |
| Coffee County, TN | 6 | Under 10 loans | 14.3% |
| Lincoln County, TN | 5 | Under 10 loans | 0.0% |
| Maury County, TN | 2 | Under 10 loans | 0.0% |
| Moore County, TN | 2 | Under 10 loans | 0.0% |
| Cannon County, TN | 1 | Under 10 loans | 50.0% |
| Franklin County, TN | 1 | Under 10 loans | 0.0% |
| Giles County, TN | 1 | Under 10 loans | 50.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
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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.