What loan types does First Heritage Financial offer?

First Heritage Financial offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does First Heritage Financial offer mortgages?

First Heritage Financial offers mortgages in 11 states: DE, IL, MD, MO, NC, NJ, OH, PA, SC, VA, WV.

What type of lender is First Heritage Financial?

First Heritage Financial is a Independent Mortgage Company headquartered in Trevose, PA.

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First Heritage Financial

Independent Mortgage Company•Trevose, PAHQ•Direct & Wholesale•Reviews near you on Google

First Heritage Financial has 354 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

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Sound

3/5

Multi-Region · 8 mkts

Summary

What They Do Well

Strong pull through performance

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Report Card

First Heritage Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 9 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	Strong	Sound	—	Strong	218	61.6%	-0.198%Below	$1,320Fees
FHA Loans	Strong	Strong	—	Strong	114	32.2%	-0.142%Below	$2,639Fees
VA Loans	Strong	Sound	—	Strong	15	4.2%	—	—

Conventional

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume218

Mix61.6%

Spread

-0.198%Below

Fees

$1,320Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume114

Mix32.2%

Spread

-0.142%Below

Fees

$2,639Fees

VA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume15

Mix4.2%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	—	Strong	335	94.6%	-0.180%Below	$1,736Fees
Refinance	Acceptable	Acceptable	—	Sound	19	5.4%	—	—

Purchase

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume335

Mix94.6%

Spread

-0.180%Below

Fees

$1,736Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume19

Mix5.4%

Spread—

Fees—

At a Glance

Lender Overview

Lending Activity

Loans Originated

354

Applications

441

Volume

$77 million

Pricing & Closing

Pullthrough Rate

80.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$220,141

Avg Borrower Income

$91,438

Avg Property Value

$260,593

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast2

NJPA

Midwest3

ILMOOH

South6

DEMDNCSCVAWV

Top Metro Areas by Place Specialization Score

1© 颐园居 · CC BY-SA 4.0

Philadelphia, PAMetro

Volume 81Mix 22.88% of portfolio

73/100

Strong

2© User:Cards84664 · CC BY-SA 4.0

Erie, PAMetro

Volume 58Mix 16.38% of portfolio

72/100

Strong

Scranton, PAMetro

Volume 36Mix 10.17% of portfolio

64/100

Strong

Pittsburgh, PAMetro

Volume 17Mix 4.80% of portfolio

49/100

Sound

Allentown, PA-NJMetro

Volume 12Mix 3.39% of portfolio

46/100

Sound

St. Louis, MO, MO-ILMetro

Volume 13Mix 3.67% of portfolio

45/100

Sound

Chambersburg, PAMetro

Volume 10Mix 2.82% of portfolio

44/100

Sound

Montgomery County, PAMetro

Volume 10Mix 2.82% of portfolio

42/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 308Mix 87.01% of portfolio

79/100

Strong

New JerseyState

Volume 16Mix 4.52% of portfolio

45/100

Sound

MissouriState

Volume 14Mix 3.95% of portfolio

43/100

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.