Heritage Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Heritage Bank & Trust of Columbia, TN reported 131 mortgage applications totaling $39.7 million, up 12% from 2024. The average application was for $303,091, and applicants reported an average income of $151,450. 75% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (60), Florence-Muscle Shoals, AL (3) and Albany, GA (1) (applications in parentheses).
| Mortgage Company & Address | Heritage Bank & Trust 217 S James Campbell Blvd Columbia, TN 38401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 131 |
| Total Mortgage Loan Application Amount | $39,705,000 |
| Average Mortgage Loan Application Amount | $303,091 |
| Highest Mortgage Loan Application Amount | $2,245,000 |
| Average Applicant Income | $151,450 |
| Highest Applicant Income | $721,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Heritage Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Heritage Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 81 | $27,795,000 | $343,000 | $2,245,000 | $160,000 | $654,000 |
| Refinancing | 34 | $7,980,000 | $234,000 | $505,000 | $139,000 | $721,000 |
| Cash-out Refinancing | 15 | $3,845,000 | $256,000 | $625,000 | $139,000 | $543,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $69,000 | $69,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 110 | $31,990,000 | $290,000 | $2,245,000 | $148,000 | $721,000 |
| Not Provided | 8 | $2,290,000 | $286,000 | $655,000 | $228,000 | $545,000 |
| Black or African American | 5 | $945,000 | $189,000 | $245,000 | $61,000 | $127,000 |
| Hispanic | 4 | $710,000 | $177,000 | $195,000 | $197,000 | $439,000 |
| Asian | 2 | $940,000 | $470,000 | $555,000 | $149,000 | $183,000 |
| Not applicable | 2 | $2,830,000 | $1,415,000 | $1,585,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 124 | $38,260,000 | $308,000 | $2,245,000 | $156,000 | $721,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,445,000 | $206,000 | $275,000 | $64,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 98 | $31,120,000 | $317,000 | $2,245,000 | $160,000 | $721,000 |
| Application Withdrawn By Applicant | 17 | $4,995,000 | $293,000 | $655,000 | $155,000 | $508,000 |
| Application Denied By Financial Institution | 15 | $3,385,000 | $225,000 | $465,000 | $94,000 | $543,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $146,000 | $146,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 131 | $39,705,000 | $303,000 | $2,245,000 | $151,000 | $721,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heritage Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Heritage Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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