Applications / Mortgage Analytics / Lenders / Tennessee / Heritage Community Bank
Greeneville, TN · Depository institution · FDIC · 53 loans in 2025
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53
loans originated, 2025
58
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Community Bank, of Greeneville, Tennessee, filed its first HMDA report in 2025, with 53 home loans spread over 13 counties in two states.
Because 2025 is its first reported year, there is no earlier year to compare it with. Its 53 loans were fewer than the 87 made by the typical similar lender (the 15 depository institutions of the same type making between a quarter and four times as many loans), and came to $14.1 million.
Its typical loan was $205,000, against $155,000 at similar lenders, higher than about two-thirds of them. More than half its loans (54.7%) were refinances. Manufactured homes made up 9.4% of its lending, against 1.8% at peers.
It ranks 65 of 287 lenders in Johnson City, with 0.3% of the market, 96 of 268 in Morristown and 127 of 324 in Kingsport-Bristol. Eastman Credit Union leads both Johnson City and Kingsport-Bristol.
Some 26.4% of its loans went to low- and moderate-income (LMI) neighborhoods, against 10.5% at similar lenders, higher than about seven in ten of them. Its share to LMI borrowers, 18.8%, was a little below the 21.7% at peers. On 53 loans, a few loans either way move these shares.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage Community Bank took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.7% · Purchase 43.4% · Home improvement 1.9%
Conventional 100.0% · of 53 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 | 50 | 94.3% |
| Virginia | 3 | 5.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnson City | 14 |
| Kingsport-Bristol | 7 |
| Morristown | 2 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500QC0C65HO7V5165 | 2025–2025 |
Established date not on record. Reported under HMDA in 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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