FIRST HERITAGE FEDERAL CREDIT UNION closing costs and rates (2024)
In 2024, FIRST HERITAGE FEDERAL CREDIT UNION originated 127 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $3,072. That is $3,669 below the national median of $6,741. FIRST HERITAGE FEDERAL CREDIT UNION is most active in New York with 106 originations there.
Purchase Originations
127
Median Total Costs
$3,072
−54.4% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$400
Median Lender Credits
$70
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 127 | 6.500% | $3,072 | $400 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 106 | 6.500% | $3,127 | #119 |
| Pennsylvania | 21 | 6.625% | $2,769 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,664 | 6.183% | — | 2 | −$1,408 | |
| 2 | $1,746 | 6.750% | — | 1 | −$1,326 | |
| 3 | $2,568 | 6.625% | — | 16 | −$504 | |
| 4 | $2,603 | 6.125% | — | 1 | −$469 | |
| 5 | $3,106 | 6.500% | — | 28 | +$34 | |
| 6 | $3,139 | 6.125% | — | 1 | +$67 | |
| 7 | $3,153 | 6.500% | — | 69 | +$81 | |
| 8 | $3,238 | 6.500% | — | 3 | +$166 | |
| 9 | $3,327 | 6.750% | — | 2 | +$255 | |
| 10 | $3,410 | 6.625% | — | 1 | +$338 | |
| 11 | $3,570 | 6.500% | — | 3 | +$498 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.