Applications / Mortgage Analytics / Lenders / Tennessee / Heritage South Community Credit Union
Shelbyville, TN · Credit union · NCUA · $358 million assets · 113 loans in 2025
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113
loans originated, 2025
151
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage South Community Credit Union, a Tennessee credit union, makes bigger loans than most similar lenders and does more manufactured-home lending than almost any of them.
Its typical loan was $145,000, against $105,000 at similar credit unions (those making between half and twice as many loans), higher than more than three-quarters of them. So its 113 loans came to $23.5 million where peers typically lent $14.8 million. Refinances made up 57.5% of its lending.
Manufactured homes made up 16.8% of its loans, against none at the typical peer, a higher share than nearly all similar credit unions. Its lending is centered on rural Tennessee, where it ranks 111 of 746 lenders.
Its loans rose 4% in 2025, to 113, against 8% at the typical peer and 10% for the whole market. It made 218 loans in 2021 and 176 in 2022 before falling back to 91 in 2023; it has grown each year since.
Some 21.2% of its loans went to low- and moderate-income borrowers, against 29.8% at similar credit unions, lower than about three-quarters of them, and down from 25.7% a year before. Its larger typical loan may point to borrowers with higher incomes; on 113 loans a few loans also move the share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 South Community Credit Union took 151 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.5% · Purchase 39.8% · Other 1.8% · Home improvement 0.9%
Conventional 100.0% · of 113 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 | 113 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 25 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006MRGHEPWMR2015 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 539498 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567748 | 2007–2017 |
Established 1 January 1957. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Heritage South Community Credit Union's data.
Heritage South Community Credit Union's data
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Heritage South Community Credit Union 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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