Heritage Community Bank in Missouri vs the state
1.3%Denial rate-13.73 pts vs state
1.3%Decision denial rate-17.36 pts vs state
95.5%Origination rate+32.88 pts vs state
—Median rate
—Rate spread (pts)
$85kMedian applicant income
214Loans originated
3Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 187 | 0.5% | — | #153 |
| 2024 | 193 | 187 | 0.0% | — | #168 |
| 2025 | 224 | 214 | 1.3% | — | #170 |
What Heritage Community Bank lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Heritage Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 57 | 53 | 1 | 1.8% |
| Franklin County | 40 | 37 | 1 | 2.5% |
| Warren County | 20 | 20 | 0 | 0.0% |
| Jefferson County | 20 | 20 | 0 | 0.0% |
| St. Louis city | 18 | 18 | 0 | 0.0% |
| St. Charles County | 16 | 15 | 0 | 0.0% |
| Osage County | 9 | 8 | 0 | 0.0% |
| Cole County | 9 | 9 | 0 | 0.0% |
| Gasconade County | 7 | 7 | 0 | 0.0% |
| Montgomery County | 5 | 5 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 224 applications in 2025, of which 214 were originated and 3 denied.
1.3% of all applications, or 1.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Heritage Community Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology