Applications / Mortgage Analytics / Lenders / Tennessee / Heritage Bank & Trust
Columbia, TN · State non-member bank · FDIC · $406 million assets · 98 loans in 2025
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98
loans originated, 2025
131
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Bank & Trust, a Tennessee bank, grew its lending by a third in 2025 and makes much of it in poorer neighborhoods.
Its loans rose 32%, to 98 from 74, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. About four in five peers grew more slowly. The rise follows a slump: it made 151 loans in 2022.
Of its loans, 31.6% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 18.3% at the typical similar lender, a higher share than at about four in five of them. The year before it was 38.4%. Its share of loans to LMI borrowers, 27.1%, was near the middle.
Its typical loan was $245,000, against $175,000 for similar lenders, larger than at about four in five of them. Home purchases made up 62.2% of its lending and refinances 36.7%.
Its largest markets are non-metro Tennessee, where it ranks 113 of 746 lenders, and Nashville-Davidson--Murfreesboro--Franklin, where it holds 0.1%. It first reported in 2014. In 2025 it made its first loans around Knoxville and Albany, Georgia, too few so far to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Heritage Bank & Trust took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.2% · Refinance 36.7% · Home improvement 1.0%
Conventional 96.9% · USDA (RHS or FSA) 3.1% · of 98 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 |
|---|---|---|
| Tennessee | 94 | 95.9% |
| Alabama | 3 | 3.1% |
| Georgia | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 43 |
| Florence-Muscle Shoals | 2 |
| Albany | 1 |
| Birmingham | 1 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000QUE28T1SH6H86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3429219 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358220 | 2014–2017 |
Established 6 March 2006. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Heritage Bank & Trust's data.
Heritage Bank & Trust's data
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Heritage Bank & Trust 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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