First Heritage Mortgage, LLC closing costs and rates (2024)
In 2024, First Heritage Mortgage, LLC originated 5,432 purchase mortgages at a median interest rate of 6.48% and median total closing costs of $8,661. That ranks #90 nationally by origination volume. For total closing costs among lenders with 500+ originations, First Heritage Mortgage, LLC ranks #480. That is $1,920 above the national median of $6,741. First Heritage Mortgage, LLC is most active in Virginia with 2,179 originations there.
Purchase Originations
5,432
Ranked #90 nationally
Median Total Costs
$8,661
+28.5% vs national ($6,741)
Median Rate
6.480%
−2.1% vs national (6.620%)
Median Origination
$2,392
Median Lender Credits
$980
Cost Rank (500+ vol.)
#480
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,172 | 6.625% | $5,864 | $2,319 |
| fha | 1,352 | 6.125% | $13,266 | $2,228 |
| va | 884 | 6.188% | $11,780 | $3,142 |
| usda | 24 | 6.188% | $7,702 | $1,525 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 2,179 | 6.480% | $7,259 | #8 |
| South Carolina | 1,018 | 6.500% | $8,895 | #13 |
| Maryland | 817 | 6.375% | $8,900 | #17 |
| Georgia | 421 | 6.250% | $11,145 | #62 |
| Florida | 396 | 5.312% | $12,646 | #106 |
| North Carolina | 332 | 6.625% | $5,810 | #70 |
| West Virginia | 157 | 6.125% | $10,380 | #23 |
| District of Columbia | 52 | 6.375% | $9,181 | #26 |
| Pennsylvania | 30 | 6.490% | $5,199 | — |
| Alabama | 8 | 5.375% | $15,972 | — |
| Texas | 7 | 6.500% | $6,785 | — |
| New Jersey | 4 | 6.740% | $5,664 | — |
| Colorado | 3 | 6.500% | $3,649 | — |
| Illinois | 3 | 6.375% | $6,522 | — |
| Delaware | 2 | 6.558% | $6,241 | — |
| Tennessee | 2 | 6.188% | $2,847 | — |
| California | 1 | 5.980% | $6,054 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,276 | 6.625% | — | 129 | −$3,385 | |
| 2 | $5,354 | 6.500% | — | 113 | −$3,307 | |
| 3 | $5,509 | 6.625% | — | 235 | −$3,152 | |
| 4 | $5,767 | 6.500% | — | 199 | −$2,894 | |
| 5 | $6,482 | 6.500% | — | 111 | −$2,179 | |
| 6 | $7,179 | 6.500% | — | 245 | −$1,482 | |
| 7 | $7,742 | 6.562% | — | 110 | −$919 | |
| 8 | $7,877 | 6.480% | — | 142 | −$784 | |
| 9 | $8,025 | 6.480% | — | 409 | −$636 | |
| 10 | $8,642 | 6.625% | — | 184 | −$19 | |
| 11 | $8,917 | 6.625% | — | 90 | +$256 | |
| 12 | $9,310 | 6.312% | — | 110 | +$649 | |
| 13 | $10,407 | 6.480% | — | 331 | +$1,746 | |
| 14 | $11,093 | 5.990% | — | 129 | +$2,432 | |
| 15 | $12,220 | 4.990% | — | 91 | +$3,559 | |
| 16 | $12,645 | 6.375% | — | 310 | +$3,984 | |
| 17 | $12,982 | 5.875% | — | 76 | +$4,321 | |
| 18 | $13,314 | 5.250% | — | 135 | +$4,653 | |
| 19 | $13,324 | 6.250% | — | 338 | +$4,663 | |
| 20 | $17,626 | 6.250% | — | 114 | +$8,965 |
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.