# FIRST HERITAGE FINANCIAL, LLC

> **Canonical URL:** https://saferate.com/lenders/first-heritage-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIRST HERITAGE FINANCIAL, LLC is a independent mortgage company, headquartered in Trevose, PA, serving borrowers across 11 states, with 354 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001E3OD1D4Y8KX63
- **Headquarters:** Trevose, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** DE, IL, MD, MO, NC, NJ, OH, PA, SC, VA, WV
- **Markets (MSAs):** 9
- **Primary Channel:** mix
- **Direct Origination:** 62.1%
- **Brokered/Wholesale:** 37.9%

## Safe Rate Ratings

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 354
- **Dollar Volume:** $78 million
- **Applications Received:** 441
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $220,141
- **Average Borrower Income:** $91,438
- **Average Property Value:** $260,593

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 218 | -0.198% | $1,320 | Sound ☺️ |
| FHA | 70/100 | 114 | -0.142% | $2,639 | Strong 😀 |
| VA | 57/100 | 15 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 209 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 104 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 335 | $73M | -0.180% | Strong 😀 |
| Refinance | 27/100 | 19 | $5M | - | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 308 | 0.25% | 79/100 |
| NJ | 16 | 0.02% | 45/100 |
| MO | 14 | 0.02% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Philadelphia, PA | PA | 81 | 73/100 |
| Non |  | 60 | 48/100 |
| Erie, PA | PA | 58 | 72/100 |
| Scranton | PA | 36 | 64/100 |
| Pittsburgh, PA | PA | 17 | 49/100 |
| St. Louis, MO | MO-IL | 13 | 45/100 |
| Allentown | PA-NJ | 12 | 46/100 |
| Chambersburg, PA | PA | 10 | 44/100 |
| Montgomery County | PA | 10 | 42/100 |

## Where This Lender Ranks

FIRST HERITAGE FINANCIAL, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Erie, PA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Erie, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Erie, PA for VA Loans
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/va-loans)
- 🏆 **#14** in Erie, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Erie, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Erie, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Erie, PA
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders)
- 🏆 **#20** in Chambersburg, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRST HERITAGE FINANCIAL, LLC offer?

FIRST HERITAGE FINANCIAL, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST HERITAGE FINANCIAL, LLC offer mortgages?

FIRST HERITAGE FINANCIAL, LLC offers mortgages in 11 states: DE, IL, MD, MO, NC, NJ, OH, PA, SC, VA, WV.

### What type of lender is FIRST HERITAGE FINANCIAL, LLC?

FIRST HERITAGE FINANCIAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Trevose, PA.

### What is FIRST HERITAGE FINANCIAL, LLC's loan approval success rate?

FIRST HERITAGE FINANCIAL, LLC has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-heritage-financial

### How to Cite

> "FIRST HERITAGE FINANCIAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-heritage-financial

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