Heritage Bank & Trust
Heritage Bank & Trust received 131 applications in 2025 and made 98 mortgages, in 16 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $245,000. Of 114 decisions, 15 were denials — 13.2%.
| Legal Entity Identifier | 5493000QUE28T1SH6H86 |
|---|---|
| Applications received | 131 |
| Mortgages made | 98 |
| Denied | 15 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Heritage Bank & Trust, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 61 | Not published | $245,000 | 10.1% |
| Refinancing | 24 | Not published | $235,000 | 17.2% |
| Cash-out refinancing | 12 | Not published | $220,000 | 20.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Heritage Bank & Trust lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lawrence County, TN | 39 | Not published | 14.9% |
| Maury County, TN | 28 | Not published | 15.2% |
| Hickman County, TN | 12 | Not published | 7.7% |
| Giles County, TN | 4 | Under 10 loans | 20.0% |
| Perry County, TN | 3 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 2 | Under 10 loans | 33.3% |
| Dickson County, TN | 2 | Under 10 loans | 0.0% |
| Lewis County, TN | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Worth County, GA | 1 | Under 10 loans | 0.0% |
| Coffee County, TN | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Marshall County, TN | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 0 | Under 10 loans | Not published |
| Williamson County, TN | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.