What loan types does First Heritage Federal Credit Union offer?

First Heritage Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First Heritage Federal Credit Union offer mortgages?

First Heritage Federal Credit Union offers mortgages in 2 states: NY, PA.

How competitive are First Heritage Federal Credit Union's mortgage rates?

First Heritage Federal Credit Union has an overall pricing score of 80.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Heritage Federal Credit Union?

First Heritage Federal Credit Union is a Credit Union headquartered in Corning, NY.

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First Heritage Federal Credit Union

Credit Union•Corning, NYHQ•Direct•Reviews near you on Google

First Heritage Federal Credit Union has 163 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

First Heritage Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+20.5 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

163 loans · 0.20% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

124 loans · 0.11% above market

Sound

Top 60% of lenders

3/5

Refinance

39 loans · 0.47% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Exceptional	Strong	163	100.0%	+0.205%Above	$333Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume163

Mix100.0%

Spread

+0.205%Above

Fees

$333Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	124	76.1%	+0.109%Above	$406Fees
Refinance	Sound	Strong	Sound	Strong	39	23.9%	+0.468%Above	$132Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume124

Mix76.1%

Spread

+0.109%Above

Fees

$406Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume39

Mix23.9%

Spread

+0.468%Above

Fees

$132Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

163

Applications

236

Volume

$23 million

Pricing & Closing

Avg Rate Spread

+0.205%

vs. market APOR

Avg Net Fees

$333

Origination − Credits

Pullthrough Rate

69.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$146,718

Avg Borrower Income

$100,693

Avg Property Value

$193,037

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

Northeast2

NYPA

Top Metro Areas by Place Specialization Score

Elmira, NYMetro

Volume 82Mix 50.31% of portfolio

100/100

Exceptional

Top States by Place Specialization Score

New YorkState

Volume 133Mix 81.60% of portfolio

71/100

Strong

PennsylvaniaState

Volume 30Mix 18.40% of portfolio

53/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.