Lender in Pennsylvania · HMDA 2025
First Heritage Financial, LLC mortgages in Pennsylvania
First Heritage Financial, LLC's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
First Heritage Financial, LLC originated 342 owner-occupied single-family loans in Pennsylvania from 400 completed applications.
Its median conventional purchase loan costs were $4,950 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
342
of 400 applications
Denial rate
13.2%
Purchase · PA 6.7%
Rate spread
+0.22 pts
Conv. · PA +0.17 pts
Loan amount
$205,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 370 | 320 | 13.2% | 6.500% | +0.22 pts | $4,950 | $205,000 |
| Refinance | 9 | 7 | — | — | — | — | — |
| Cash-out refinance | 21 | 15 | 28.6% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where First Heritage Financial, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montour County | 6 | 7 | 3.7% |
| Northumberland County | 12 | 16 | 2.4% |
| Erie County | 14 | 56 | 2.2% |
| Franklin County | 16 | 33 | 1.6% |
| Union County | 18 | 4 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology