# First Heritage Mortgage, LLC

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


> **📋 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 Mortgage, LLC is a independent mortgage company, headquartered in RESTON, VA, serving borrowers across 17 states, with 6,142 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 11% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EM8ID8J7F8OM55
- **Headquarters:** RESTON, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AL, CA, CO, DC, DE, FL, GA, IL, MD, NC, NJ, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 35
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.096%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,629
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,142
- **Dollar Volume:** $2.6 billion
- **Applications Received:** 7,470
- **Market Share:** 17.00%

## Typical Borrower Profile

- **Average Loan Amount:** $420,101
- **Average Borrower Income:** $163,415
- **Average Property Value:** $519,999

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (76%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **Purchase Gold Superstar** (76%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 3,762 | +0.203% | $2,649 | Exceptional 🤩 |
| FHA | 84/100 | 1,399 | +0.060% | $2,598 | Exceptional 🤩 |
| VA | 85/100 | 894 | -0.444% | $2,646 | Exceptional 🤩 |
| Jumbo | 76/100 | 62 | +0.211% | $1,916 | Strong 😀 |
| USDA | 76/100 | 25 | +0.097% | $2,359 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,658 loans, Score: 86/100 (Exceptional)
- Refinance: 104 loans, Score: 57/100 (Sound)

**FHA:**
- Purchase: 1,372 loans, Score: 85/100 (Exceptional)
- Refinance: 27 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 885 loans, Score: 85/100 (Exceptional)

**Jumbo:**
- Purchase: 61 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 25 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 6,001 | $2.5B | +0.099% | Exceptional 🤩 |
| Refinance | 58/100 | 141 | $59M | +0.006% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 2,537 | 2.35% | 97/100 |
| SC | 1,089 | 1.36% | 90/100 |
| MD | 891 | 1.26% | 84/100 |
| GA | 512 | 0.37% | 75/100 |
| FL | 424 | 0.14% | 67/100 |
| NC | 385 | 0.26% | 69/100 |
| WV | 175 | 1.13% | 76/100 |
| DC | 58 | 1.01% | 64/100 |
| PA | 33 | 0.03% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 1,561 | 98/100 |
| Richmond, VA | VA | 622 | 93/100 |
| Columbia, SC | SC | 563 | 98/100 |
| Washington, DC | DC-MD | 454 | 92/100 |
| Frederick | MD | 272 | 88/100 |
| Atlanta | GA | 230 | 71/100 |
| Charlottesville, VA | VA | 193 | 96/100 |
| Augusta | GA-SC | 187 | 85/100 |
| Raleigh | NC | 177 | 73/100 |
| Marietta, GA | GA | 175 | 76/100 |
| Orlando | FL | 173 | 69/100 |
| Baltimore | MD | 170 | 70/100 |
| Greenville | SC | 149 | 77/100 |
| Non |  | 147 | 49/100 |
| Spartanburg, SC | SC | 115 | 79/100 |

## Where This Lender Ranks

First Heritage Mortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Virginia for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Virginia for FHA Loans
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Virginia for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Arlington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Arlington for FHA Loans
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Arlington for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in South Carolina for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in South Carolina for FHA Loans
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in South Carolina for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Maryland for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Maryland for FHA Loans
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Maryland for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Richmond, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Richmond, VA for FHA Loans
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Richmond, VA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Columbia, SC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Columbia, SC for FHA Loans
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Columbia, SC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Washington, DC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Washington, DC for FHA Loans
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does First Heritage Mortgage, LLC offer?

First Heritage Mortgage, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Heritage Mortgage, LLC offer mortgages?

First Heritage Mortgage, LLC offers mortgages in 17 states: AL, CA, CO, DC, DE, FL, GA, IL, MD, NC, NJ, PA, SC, TN, TX, VA, WV.

### How competitive are First Heritage Mortgage, LLC's mortgage rates?

First Heritage Mortgage, LLC has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.096% above market average.

### What type of lender is First Heritage Mortgage, LLC?

First Heritage Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in RESTON, VA.

### What is First Heritage Mortgage, LLC's loan approval success rate?

First Heritage Mortgage, LLC has a pull-through score of 89/100 (Exceptional). 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-mortgage

### How to Cite

> "First Heritage Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-heritage-mortgage

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