Purchase Originations
6,331
Ranked #74 nationally
Median Total Costs
$9,099
+36.2% vs national ($6,680)
↑ $438 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.230% vs prior year
Median Origination
$1,940
Median Lender Credits
$921
Cost Rank (500+ vol.)
#505
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,566 | 6.480% | $6,275 | $2,458 |
| fha | 1,786 | 5.990% | $12,978 | $1,910 |
| va | 936 | 6.062% | $11,419 | $1,782 |
| usda | 43 | 5.990% | $8,692 | $1,725 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 2,175 | 6.375% | $8,158 | #8 |
| South Carolina | 1,231 | 6.125% | $9,393 | #12 |
| Maryland | 1,025 | 6.375% | $9,394 | #11 |
| Florida | 552 | 4.990% | $12,668 | #84 |
| North Carolina | 552 | 6.480% | $6,372 | #49 |
| Georgia | 405 | 6.125% | $11,187 | #57 |
| West Virginia | 241 | 6.125% | $9,560 | #14 |
| District of Columbia | 66 | 6.375% | $7,139 | #22 |
| Pennsylvania | 42 | 6.312% | $5,444 | — |
| Massachusetts | 9 | 6.000% | $13,019 | — |
| Alabama | 7 | 6.480% | $6,411 | — |
| Colorado | 5 | 5.875% | $3,997 | — |
| Illinois | 5 | 5.875% | $8,863 | — |
| Tennessee | 5 | 6.490% | $4,344 | — |
| Texas | 4 | 6.312% | $5,944 | — |
| California | 3 | 5.980% | $9,554 | — |
| Delaware | 3 | 5.875% | $12,841 | — |
| New Jersey | 1 | 6.875% | $8,437 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,619 | 6.480% | — | 227 | −$3,480 | |
| 2 | $6,267 | 6.375% | — | 97 | −$2,832 | |
| 3 | $6,939 | 6.480% | — | 244 | −$2,160 | |
| 4 | $7,330 | 6.375% | — | 90 | −$1,769 | |
| 5 | $7,528 | 6.375% | — | 208 | −$1,571 | |
| 6 | $7,852 | 6.375% | — | 166 | −$1,247 | |
| 7 | $7,925 | 6.375% | — | 370 | −$1,174 | |
| 8 | $8,113 | 6.375% | — | 189 | −$986 | |
| 9 | $8,492 | 6.125% | — | 214 | −$607 | |
| 10 | $8,740 | 6.500% | — | 223 | −$359 | |
| 11 | $9,325 | 5.125% | — | 117 | +$226 | |
| 12 | $9,691 | 6.125% | — | 196 | +$592 | |
| 13 | $10,062 | 5.985% | — | 158 | +$963 | |
| 14 | $10,125 | 6.250% | — | 218 | +$1,026 | |
| 15 | $11,679 | 5.125% | — | 101 | +$2,580 | |
| 16 | $11,944 | 4.990% | — | 121 | +$2,845 | |
| 17 | $12,659 | 4.990% | — | 170 | +$3,560 | |
| 18 | $13,234 | 6.250% | — | 283 | +$4,135 | |
| 19 | $13,261 | 4.990% | — | 105 | +$4,162 | |
| 20 | $13,695 | 6.250% | — | 399 | +$4,596 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First Heritage Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $9,099 | $7,127 | +$1,972 (+27.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.