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FIRST HERITAGE FINANCIAL, LLC
Independent Mortgage Company|Trevose, PA|Multi-Region
Loans Originated
354
Applications
441
Volume
$77 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
80.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
FIRST HERITAGE FINANCIAL, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 9 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$220,141
Average Borrower Income
$91,438
Average Property Value
$260,593
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Strong | 218 | 61.6% | -0.198% | $1,320 |
FHA Loans | Strong | Strong | N/A | Strong | 114 | 32.2% | -0.142% | $2,639 |
VA Loans | Sound | Sound | N/A | Strong | 15 | 4.2% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | N/A | Strong | 335 | 94.6% | -0.180% | $1,736 |
Refinance | Acceptable | Acceptable | N/A | Sound | 19 | 5.4% | — | — |
Geographic Coverage
Metro Areas
8
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Philadelphia, PA, PAMSA
Volume: 81Mix: 22.88%
Place Specialization
Strong
2
Erie, PA, PAMSA
Volume: 58Mix: 16.38%
Place Specialization
Strong
3
Scranton, PAMSA
Volume: 36Mix: 10.17%
Place Specialization
Strong
4
Pittsburgh, PA, PAMSA
Volume: 17Mix: 4.80%
Place Specialization
Sound
5
Allentown, PA-NJMSA
Volume: 12Mix: 3.39%
Place Specialization
Sound
6
St. Louis, MO, MO-ILMSA
Volume: 13Mix: 3.67%
Place Specialization
Sound
7
Chambersburg, PA, PAMSA
Volume: 10Mix: 2.82%
Place Specialization
Sound
8
Montgomery County, PAMSA
Volume: 10Mix: 2.82%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 308Mix: 87.01%
Place Specialization
Strong
2
NJState
Volume: 16Mix: 4.52%
Place Specialization
Sound
3
MOState
Volume: 14Mix: 3.95%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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