FIRST HERITAGE FEDERAL CREDIT UNION
FIRST HERITAGE FEDERAL CREDIT UNION received 712 applications in 2025 and made 477 mortgages, in 22 counties across 2 states. The median rate its borrowers got was 6.250% on a median loan of $85,000. Of 653 decisions, 157 were denials — 24.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300H0B8QZSS10X971 |
|---|---|
| Applications received | 712 |
| Mortgages made | 477 |
| Denied | 157 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 59 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0065 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 185 | 6.375% | $135,000 | 10.5% |
| Refinancing | 73 | 6.240% | $75,000 | 14.6% |
| Cash-out refinancing | 40 | 7.250% | $105,000 | 25.5% |
| Other purposes | 179 | 6.240% | $45,000 | 36.1% |
Where FIRST HERITAGE FEDERAL CREDIT UNION lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chemung County, NY | 179 | 6.240% | 23.1% |
| Steuben County, NY | 133 | 6.375% | 27.4% |
| Tioga County, PA | 102 | 6.240% | 22.3% |
| Potter County, PA | 18 | 6.433% | 5.0% |
| Allegany County, NY | 10 | 6.245% | 23.1% |
| Bradford County, PA | 9 | Under 10 loans | 21.4% |
| Schuyler County, NY | 7 | Under 10 loans | 30.0% |
| Livingston County, NY | 4 | Under 10 loans | 0.0% |
| Lycoming County, PA | 3 | Under 10 loans | 33.3% |
| Monroe County, NY | 2 | Under 10 loans | 33.3% |
| Tioga County, NY | 2 | Under 10 loans | 0.0% |
| Yates County, NY | 2 | Under 10 loans | 33.3% |
| Albany County, NY | 1 | Under 10 loans | 0.0% |
| Sullivan County, NY | 1 | Under 10 loans | 0.0% |
| Tompkins County, NY | 1 | Under 10 loans | 0.0% |
| Wyoming County, NY | 1 | Under 10 loans | 0.0% |
| Mifflin County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 50.0% |
| Broome County, NY | 0 | Under 10 loans | Not published |
| Cayuga County, NY | 0 | Under 10 loans | 100.0% |
| Seneca County, NY | 0 | Under 10 loans | 100.0% |
| Wayne County, PA | 0 | Under 10 loans | 100.0% |
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When FIRST HERITAGE FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.