FIRST HERITAGE FINANCIAL, LLC
FIRST HERITAGE FINANCIAL, LLC received 498 applications in 2025 and made 417 mortgages, in 71 counties across 12 states. The median rate its borrowers got was 6.300% on a median loan of $205,000. Of 480 decisions, 61 were denials — 12.7%, most often for credit application incomplete. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493001E3OD1D4Y8KX63 |
|---|---|
| Applications received | 498 |
| Mortgages made | 417 |
| Denied | 61 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.211 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 | 382 | 6.250% | $215,000 | 11.9% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Cash-out refinancing | 26 | 6.625% | $175,000 | 21.2% |
Where FIRST HERITAGE FINANCIAL, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Philadelphia County, PA | 102 | 6.250% | 8.9% |
| Erie County, PA | 58 | 6.375% | 9.4% |
| Franklin County, PA | 35 | 6.625% | 2.8% |
| Luzerne County, PA | 16 | 6.500% | 23.8% |
| Northumberland County, PA | 16 | 6.375% | 15.8% |
| Delaware County, PA | 12 | 6.187% | 7.7% |
| Lackawanna County, PA | 11 | 6.525% | 0.0% |
| Montgomery County, PA | 10 | 6.375% | 16.7% |
| New Castle County, DE | 9 | Under 10 loans | 0.0% |
| Lebanon County, PA | 8 | Under 10 loans | 0.0% |
| Montour County, PA | 7 | Under 10 loans | 0.0% |
| Northampton County, PA | 7 | Under 10 loans | 30.0% |
| Schuylkill County, PA | 7 | Under 10 loans | 0.0% |
| Jefferson County, MO | 6 | Under 10 loans | 14.3% |
| St. Charles County, MO | 6 | Under 10 loans | 0.0% |
| Cumberland County, PA | 6 | Under 10 loans | 14.3% |
| Bucks County, PA | 5 | Under 10 loans | 0.0% |
| York County, PA | 5 | Under 10 loans | 28.6% |
| Sussex County, DE | 4 | Under 10 loans | 0.0% |
| St. Louis County, MO | 4 | Under 10 loans | 0.0% |
| Cape May County, NJ | 4 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 4 | Under 10 loans | 0.0% |
| Clearfield County, PA | 4 | Under 10 loans | 0.0% |
| Crawford County, PA | 4 | Under 10 loans | 0.0% |
| Lehigh County, PA | 4 | Under 10 loans | 33.3% |
| Union County, PA | 4 | Under 10 loans | 0.0% |
| Berks County, PA | 3 | Under 10 loans | 25.0% |
| Blair County, PA | 3 | Under 10 loans | 40.0% |
| Cambria County, PA | 3 | Under 10 loans | 25.0% |
| Chester County, PA | 3 | Under 10 loans | 0.0% |
| Columbia County, PA | 3 | Under 10 loans | 57.1% |
| Lycoming County, PA | 3 | Under 10 loans | 25.0% |
| Atlantic County, NJ | 2 | Under 10 loans | 0.0% |
| Burlington County, NJ | 2 | Under 10 loans | 33.3% |
| Essex County, NJ | 2 | Under 10 loans | 0.0% |
| Mercer County, NJ | 2 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 2 | Under 10 loans | 50.0% |
| Lancaster County, PA | 2 | Under 10 loans | 33.3% |
| Monroe County, PA | 2 | Under 10 loans | 0.0% |
| Washington County, PA | 2 | Under 10 loans | 0.0% |
| Wayne County, PA | 2 | Under 10 loans | 0.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Monroe County, IL | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 1 | Under 10 loans | 0.0% |
| Washington County, MD | 1 | Under 10 loans | 0.0% |
| St. Louis city, MO | 1 | Under 10 loans | 0.0% |
| Cumberland County, NJ | 1 | Under 10 loans | 66.7% |
| Monmouth County, NJ | 1 | Under 10 loans | 0.0% |
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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.