What loan types does First Heritage Mortgage offer?

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

Where does First Heritage Mortgage offer mortgages?

First Heritage Mortgage 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's mortgage rates?

First Heritage Mortgage has an overall pricing score of 51.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Heritage Mortgage?

First Heritage Mortgage is a Independent Mortgage Company headquartered in RESTON, VA.

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First Heritage Mortgage

Independent Mortgage Company•Reston, VAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First Heritage Mortgage — 6.1k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Multi-Region · 34 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans

Explore another lender or local market

Report Card

First Heritage Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+9.6 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 35 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Exceptional	3,762	61.3%	+0.203%Above	$2,649Fees
FHA Loans	Strong	Exceptional	Strong	Exceptional	1,399	22.8%	+0.060%Above	$2,598Fees
VA Loans	Strong	Exceptional	Sound	Exceptional	894	14.6%	-0.444%Below	$2,646Fees
Jumbo Loans	Sound	Strong	Acceptable	Strong	62	1.0%	+0.211%Above	$1,916Fees
USDA Loans	Strong	Strong	—	Strong	25	0.4%	+0.097%Above	$2,359Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume3,762

Mix61.3%

Spread

+0.203%Above

Fees

$2,649Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Exceptional

Volume1,399

Mix22.8%

Spread

+0.060%Above

Fees

$2,598Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume894

Mix14.6%

Spread

-0.444%Below

Fees

$2,646Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume62

Mix1.0%

Spread

+0.211%Above

Fees

$1,916Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume25

Mix0.4%

Spread

+0.097%Above

Fees

$2,359Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Exceptional	6,001	97.7%	+0.099%Above	$2,666Fees
Refinance	Sound	Sound	Strong	Sound	141	2.3%	+0.006%Above	$1,488Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume6,001

Mix97.7%

Spread

+0.099%Above

Fees

$2,666Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume141

Mix2.3%

Spread

+0.006%Above

Fees

$1,488Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

6,142

Applications

7,470

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.096%

vs. market APOR

Avg Net Fees

$2,629

Origination − Credits

Pullthrough Rate

82.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$420,101

Avg Borrower Income

$163,415

Avg Property Value

$519,999

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast2

NJPA

Midwest1

South12

ALDCDEFLGAMDNCSCTNTXVAWV

West2

CACO

Top Metro Areas by Place Specialization Score

1© Billy Hathorn · CC BY-SA 3.0

Arlington, VA-WVMetro

Volume 1,561Mix 25.42% of portfolio

98/100

Exceptional

2© Thomas Kirchel · CC BY-SA 4.0

Columbia, SCMetro

Volume 563Mix 9.17% of portfolio

98/100

Exceptional

3© Artaxerxes · CC BY-SA 4.0

Charlottesville, VAMetro

Volume 193Mix 3.14% of portfolio

96/100

Exceptional

Richmond, VAMetro

Volume 622Mix 10.13% of portfolio

93/100

Exceptional

Washington, DC, DC-MDMetro

Volume 454Mix 7.39% of portfolio

92/100

Exceptional

Blacksburg, VAMetro

Volume 106Mix 1.73% of portfolio

89/100

Exceptional

Frederick, MDMetro

Volume 272Mix 4.43% of portfolio

88/100

Exceptional

Augusta, GA-SCMetro

Volume 187Mix 3.04% of portfolio

85/100

Exceptional

Spartanburg, SCMetro

Volume 115Mix 1.87% of portfolio

79/100

Strong

Greenville, SCMetro

Volume 149Mix 2.43% of portfolio

77/100

Strong

Showing 10 of 34 metro areas

Top States by Place Specialization Score

VirginiaState

Volume 2,537Mix 41.31% of portfolio

97/100

Exceptional

South CarolinaState

Volume 1,089Mix 17.73% of portfolio

90/100

Exceptional

MarylandState

Volume 891Mix 14.51% of portfolio

84/100

Exceptional

West VirginiaState

Volume 175Mix 2.85% of portfolio

76/100

Strong

GeorgiaState

Volume 512Mix 8.34% of portfolio

75/100

Strong

North CarolinaState

Volume 385Mix 6.27% of portfolio

69/100

Strong

FloridaState

Volume 424Mix 6.90% of portfolio

67/100

Strong

Washington, DCState

Volume 58Mix 0.94% of portfolio

64/100

Strong

PennsylvaniaState

Volume 33Mix 0.54% of portfolio

45/100

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.