What loan types does Heritage South Community CU offer?

Heritage South Community CU offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Heritage South Community CU offer mortgages?

Heritage South Community CU offers mortgages in 1 states: TN.

What type of lender is Heritage South Community CU?

Heritage South Community CU is a Credit Union headquartered in Shelbyville, TN.

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Heritage South Community CU

Credit Union•Shelbyville, TNHQ•Direct•Reviews near you on Google

Heritage South Community CU has 26 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Active

Single State

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Heritage South Community CU performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Mediocre

Bottom 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Mediocre

Bottom 20% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Mediocre	Mediocre	—	Mediocre	26	100.0%	+1.135%Above	$646Fees

Conventional

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume26

Mix100.0%

Spread

+1.135%Above

Fees

$646Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	12	46.2%	+1.099%Above	$500Fees
Refinance	Acceptable	Acceptable	—	Acceptable	14	53.8%	+1.148%Above	$694Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume12

Mix46.2%

Spread

+1.099%Above

Fees

$500Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume14

Mix53.8%

Spread

+1.148%Above

Fees

$694Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$4 million

Pricing & Closing

Pullthrough Rate

42.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$175,000

Avg Borrower Income

$102,769

Avg Property Value

$298,462

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

South1

Top States by Place Specialization Score

TennesseeState

Volume 26Mix 100.00% of portfolio

58/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.