First Heritage Mortgage
We analyzed every closed loan from First Heritage Mortgage — 6.1k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 34 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
First Heritage Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+9.6 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
3,762 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,399 loans · 0.06% above market
Exceptional
Top 20% of lenders
5/5
VA
894 loans · 0.44% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
62 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
USDA
25 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
6,001 loans · 0.10% above market
Exceptional
Top 20% of lenders
5/5
Refinance
141 loans · 0.01% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 35 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 | 3,762 | 61.3% | +0.203%Above | $2,649Fees | ||||
FHA Loans | 1,399 | 22.8% | +0.060%Above | $2,598Fees | ||||
VA Loans | 894 | 14.6% | -0.444%Below | $2,646Fees | ||||
Jumbo Loans | 62 | 1.0% | +0.211%Above | $1,916Fees | ||||
USDA Loans | — | 25 | 0.4% | +0.097%Above | $2,359Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume3,762
Mix61.3%
Spread
+0.203%Above
Fees
$2,649Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume1,399
Mix22.8%
Spread
+0.060%Above
Fees
$2,598Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume894
Mix14.6%
Spread
-0.444%Below
Fees
$2,646Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume62
Mix1.0%
Spread
+0.211%Above
Fees
$1,916Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume25
Mix0.4%
Spread
+0.097%Above
Fees
$2,359Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,001 | 97.7% | +0.099%Above | $2,666Fees | ||||
Refinance | 141 | 2.3% | +0.006%Above | $1,488Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume6,001
Mix97.7%
Spread
+0.099%Above
Fees
$2,666Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume141
Mix2.3%
Spread
+0.006%Above
Fees
$1,488Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,142
Applications
7,470
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.096%
vs. market APOR
Avg Net Fees
$2,629
Origination − Credits
Pullthrough Rate
82.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$420,101
Avg Borrower Income
$163,415
Avg Property Value
$519,999
Geographic Coverage
Geographic Performance
Metro Areas
34
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Full-year 2024 · HMDALoans originated
< 5050–500500–1,0001,000+None
Northeast2
NJPA
Midwest1
IL
South12
ALDCDEFLGAMDNCSCTNTXVAWV
West2
CACO
Top Metro Areas by Place Specialization Score
Showing 10 of 34 metro areas
Top States by Place Specialization Score
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.