FIRST HERITAGE FINANCIAL, LLC closing costs and rates (2024)
In 2024, FIRST HERITAGE FINANCIAL, LLC originated 334 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $5,577. That is $1,164 below the national median of $6,741. FIRST HERITAGE FINANCIAL, LLC is most active in Pennsylvania with 297 originations there.
Purchase Originations
334
Median Total Costs
$5,577
−17.3% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,295
Median Lender Credits
$151
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 208 | 6.625% | $4,478 | $1,335 |
| fha | 106 | 6.188% | $7,853 | $1,295 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 297 | 6.500% | $5,382 | #71 |
| Missouri | 13 | 6.875% | $5,852 | — |
| New Jersey | 13 | 6.500% | $10,764 | — |
| Delaware | 2 | 6.045% | $7,711 | — |
| Maryland | 2 | 7.000% | $4,709 | — |
| Virginia | 2 | 6.058% | $7,205 | — |
| Florida | 1 | 7.500% | $5,557 | — |
| Illinois | 1 | 5.750% | $9,638 | — |
| North Carolina | 1 | 6.900% | $3,800 | — |
| Ohio | 1 | 6.625% | $4,148 | — |
| West Virginia | 1 | 5.875% | $7,745 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,853 | 6.875% | — | 8 | −$1,724 | |
| 2 | $4,147 | 6.625% | — | 7 | −$1,430 | |
| 3 | $4,149 | 6.625% | — | 10 | −$1,428 | |
| 4 | $4,250 | 6.625% | — | 23 | −$1,327 | |
| 5 | $4,334 | 6.938% | — | 6 | −$1,243 | |
| 6 | $4,347 | 6.625% | — | 5 | −$1,230 | |
| 7 | $4,635 | 6.438% | — | 4 | −$942 | |
| 8 | $4,805 | 6.625% | — | 57 | −$772 | |
| 9 | $4,970 | 6.562% | — | 8 | −$607 | |
| 10 | $5,097 | 6.438% | — | 8 | −$480 | |
| 11 | $5,147 | 6.495% | — | 6 | −$430 | |
| 12 | $5,522 | 6.875% | — | 5 | −$55 | |
| 13 | $5,585 | 6.125% | — | 5 | +$8 | |
| 14 | $6,814 | 6.490% | — | 5 | +$1,237 | |
| 15 | $6,857 | 6.000% | — | 69 | +$1,280 | |
| 16 | $7,491 | 6.125% | — | 5 | +$1,914 | |
| 17 | $8,821 | 6.000% | — | 6 | +$3,244 | |
| 18 | $9,096 | 6.250% | — | 12 | +$3,519 | |
| 19 | $9,773 | 5.938% | — | 6 | +$4,196 | |
| 20 | $13,433 | 6.625% | — | 5 | +$7,856 |
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.