Get & compare mortgage quotes anonymously Start in My Home
FHFC
Unclaimed

First Heritage Federal Credit Union

Credit Union•Corning, NYHQ•Direct•Reviews near you on Google

First Heritage Federal Credit Union has 163 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Exceptional
5/5
Regional · 1 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

First Heritage Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+20.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume163
Mix100.0%
Spread
+0.205%Above
Fees
$333Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume124
Mix76.1%
Spread
+0.109%Above
Fees
$406Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume39
Mix23.9%
Spread
+0.468%Above
Fees
$132Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
163
Applications
236
Volume
$23 million
Pricing & Closing
Avg Rate Spread
+0.205%
vs. market APOR
Avg Net Fees
$333
Origination − Credits
Pullthrough Rate
69.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$146,718
Avg Borrower Income
$100,693
Avg Property Value
$193,037

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NYPA

Top Metro Areas by Place Specialization Score

1© Kenneth C. Zirkel · CC BY 4.0
Elmira, NYMetro
Volume 82Mix 50.31% of portfolio
100/100
Exceptional

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 133Mix 81.60% of portfolio
71/100
Strong
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 30Mix 18.40% of portfolio
53/100
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.

Looking for a different lender?

Are you the owner of First Heritage Federal Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.