Heritage Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
80th1.3% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 201 | 189 | 0.5% | 0.5% | — | $36M |
| 2024 | 194 | 188 | 0.0% | 0.0% | — | $38M |
| 2025 | 225 | 215 | 1.3% | 1.3% | — | $51M |
What Heritage Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 11 manufactured homes, 173 investment properties.
Who gets approved at Heritage Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 23 | 7.7% |
| $50k – $100k | 33 | 32 | 0.0% |
| $150k – $250k | 21 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 29 | 27 | 3.5% |
| 45–54 | 23 | 21 | 4.4% |
| 55–64 | 29 | 28 | 0.0% |
Where Heritage Community Bank lends
2 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 224 | 214 | 1.3% | — | #170 |
Frequently asked questions
Heritage Community Bank denied 1.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of investment-property lenders.
In 2025, 64% of its applications were for home purchases, 36% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.