# Heritage Mortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/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


Heritage Mortgage, LLC is a independent mortgage company, headquartered in Camden, DE, serving borrowers across 5 states, with 909 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900ERGGNLW2R5J379
- **Headquarters:** Camden, DE
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, GA, NC, TN, TX
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.042%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,769
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 909
- **Dollar Volume:** $295 million
- **Applications Received:** 1,165
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $324,054
- **Average Borrower Income:** $135,868
- **Average Property Value:** $391,249

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 486 | -0.014% | $2,738 | Strong 😀 |
| FHA | 75/100 | 276 | +0.119% | $3,549 | Strong 😀 |
| VA | 76/100 | 142 | -0.608% | $843 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 485 loans, Score: 70/100 (Strong)

**FHA:**
- Purchase: 276 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 142 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 908 | $294M | -0.043% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 397 | 0.66% | 85/100 |
| TX | 154 | 0.04% | 62/100 |
| GA | 132 | 0.10% | 65/100 |
| TN | 116 | 0.13% | 65/100 |
| NC | 110 | 0.07% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Huntsville, AL | AL | 304 | 95/100 |
| Houston | TX | 131 | 68/100 |
| Nashville | TN | 116 | 71/100 |
| Marietta, GA | GA | 112 | 75/100 |
| Non |  | 107 | 52/100 |
| Decatur, AL | AL | 56 | 83/100 |
| Raleigh | NC | 28 | 53/100 |
| San Antonio | TX | 20 | 47/100 |
| Atlanta | GA | 17 | 44/100 |
| Durham | NC | 15 | 47/100 |

## Where This Lender Ranks

Heritage Mortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Decatur, AL Mortgage Companies
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Alabama Mortgage Companies
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Huntsville, AL Mortgage Companies
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Decatur, AL
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders)
- 🥈 **#2** in Decatur, AL for VA Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Decatur, AL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Alabama
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders)
- 🥉 **#3** in Huntsville, AL
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders)
- 🥉 **#3** in Nashville Mortgage Companies
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Decatur, AL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Decatur, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Decatur, AL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Marietta, GA Mortgage Companies
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Huntsville, AL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Huntsville, AL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Alabama for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Huntsville, AL for VA Loans
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Decatur, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Alabama for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#9** in Marietta, GA
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders)

## Frequently Asked Questions

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

Heritage Mortgage, 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 Heritage Mortgage, LLC offer mortgages?

Heritage Mortgage, LLC offers mortgages in 5 states: AL, GA, NC, TN, TX.

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

Heritage Mortgage, LLC has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.042% below market average.

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

Heritage Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Camden, DE.

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

Heritage Mortgage, LLC has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/heritage-mortgage

### How to Cite

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

---

**[View Interactive Profile →](https://saferate.com/lenders/heritage-mortgage)**