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Heritage Mortgage

Independent Mortgage Company•Camden, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Heritage Mortgage — 909 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 9 mkts
Safe Rate Awards
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 4.20 basis points below market average
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

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Report Card

Heritage Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 4.2 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 10 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume486
Mix53.5%
Spread
-0.014%Below
Fees
$2,738Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume276
Mix30.4%
Spread
+0.119%Above
Fees
$3,549Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume142
Mix15.6%
Spread
-0.608%Below
Fees
$843Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume908
Mix99.9%
Spread
-0.043%Below
Fees
$2,772Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
909
Applications
1,165
Volume
$294 million
Pricing & Closing
Avg Rate Spread
-0.042%
vs. market APOR
Avg Net Fees
$2,769
Origination − Credits
Pullthrough Rate
78.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$324,054
Avg Borrower Income
$135,868
Avg Property Value
$391,249

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South5
ALGANCTNTX

Top Metro Areas by Place Specialization Score

1© Unknown authorUnknown author · Public domain
Huntsville, ALMetro
Volume 304Mix 33.44% of portfolio
95/100
Exceptional
2© Dan · CC BY 2.0
Decatur, ALMetro
Volume 56Mix 6.16% of portfolio
83/100
Exceptional
3© Bubba73 · CC BY-SA 3.0
Marietta, GAMetro
Volume 112Mix 12.32% of portfolio
75/100
Strong
4© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 116Mix 12.76% of portfolio
71/100
Strong
5© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 131Mix 14.41% of portfolio
68/100
Strong
6© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 28Mix 3.08% of portfolio
53/100
Sound
7© Atlpedia · CC BY-SA 3.0
Durham, NCMetro
Volume 15Mix 1.65% of portfolio
47/100
Sound
8© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 20Mix 2.20% of portfolio
47/100
Sound
9© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 17Mix 1.87% of portfolio
44/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 397Mix 43.67% of portfolio
85/100
Exceptional
Tennessee
Tennessee
2
TennesseeState
Volume 116Mix 12.76% of portfolio
65/100
Strong
Georgia
Georgia
3
GeorgiaState
Volume 132Mix 14.52% of portfolio
65/100
Strong
Texas
Texas
4
TexasState
Volume 154Mix 16.94% of portfolio
62/100
Strong
North Carolina
North Carolina
5
North CarolinaState
Volume 110Mix 12.10% of portfolio
61/100
Strong

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.