Lenders › Heritage South Community Credi › Tennessee
Heritage South Community Credi in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Tennessee, Heritage South Community Credi reported 154 applications and 109 originations for 2024, $20m in all.
Its denial rate in the state was 17.0%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 17.0%.
The median rate spread on its Tennessee originations was 1.5 percentage points (state median 0.3).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Heritage South Community Credi, all states | United States |
|---|---|---|---|---|
| Denial rate | 17.0% | 22.6% | 17.0% | 24.3% |
| Median rate spread, pp | 1.5 | 0.3 | 1.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 64.2% | 14.7% | 64.2% | 15.6% |
| Average originated loan | $186k | $302k | $186k | $329k |
| Home purchase share | 41.3% | 55.5% | 41.3% | 57.0% |
| FHA-insured share | 0.0% | 15.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 41% (45)Home improvement 3% (3)Refinancing 15% (16)Cash-out refinancing 39% (43)Other purpose 2% (2)
By type
Conventional 100% (109)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bedford County | 76 | 57 | $10m | 13.4% |
| Rutherford County | 29 | 19 | $2.7m | 26.9% |
| Marshall County | 25 | 17 | $5.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Heritage South Community Credi originate in Tennessee in 2024?
109 loans totalling $20m, from 154 applications reported for properties in Tennessee.
What is Heritage South Community Credi's denial rate in Tennessee?
17.0% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 17.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Tennessee counties does Heritage South Community Credi lend in most?
By originations: Bedford County (57), Rutherford County (19), Marshall County (17).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Tennessee. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.