Applications / Mortgage Analytics / Lenders / Missouri / Heritage Community Bank
Union, MO · State non-member bank · FDIC · $327 million assets · 215 loans in 2025
Heritage Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
215
loans originated, 2025
225
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Community Bank, a Missouri bank, makes about half its loans to low- and moderate-income borrowers, a higher share than at nearly all similar lenders.
Low- and moderate-income (LMI) borrowers took 49.5% of its loans, against 28.0% at similar lenders (state non-member banks making between half and twice as many loans). In 2020 the figure was 28.1%. LMI neighborhoods took 26.9%, higher than at about three-quarters of similar lenders. Its markets and its moderate loan sizes, typically $185,000, are possible reasons.
Its loans rose 14% to 215, while similar lenders grew 9%. The amount it lent rose to $51.1 million from $37.9 million.
Its share of Jefferson City rose to 0.5% from 0.2%, ranking 28 of 189 lenders. Flat Branch Mortgage and The Central Trust Bank lead there. In St. Louis it ranks 84 of 637 with an unchanged 0.2%.
All its loans were conventional, as at most similar lenders. Purchases were 63.7% of its loans and refinances 35.8%. Manufactured homes were 3.7%, close to similar lenders' 2.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage Community Bank took 225 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.7% · Refinance 35.8% · Other 0.5%
Conventional 100.0% · of 215 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 214 | 99.5% |
| Alabama | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 165 |
| Jefferson City | 18 |
| Columbia | 2 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004Z2SGQGCU5RB44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 499743 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315282 | 2010–2017 |
Established 19 August 1935. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Heritage Community Bank's data.
Heritage Community Bank's data
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Heritage Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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