First Heritage Financial in Pennsylvania vs the state
13.3%Denial rate-5.00 pts vs state
13.8%Decision denial rate-8.44 pts vs state
83.0%Origination rate+22.02 pts vs state
6.38%Median rate-0.25 pts vs state
0.20Rate spread (pts)-0.04 pts vs state
$74kMedian applicant income
356Loans originated
57Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 315 | 273 | 8.3% | 6.75% | #200 |
| 2024 | 384 | 318 | 9.1% | 6.50% | #177 |
| 2025 | 429 | 356 | 13.3% | 6.38% | #174 |
What First Heritage Financial lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Heritage Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 117 | 102 | 10 | 8.5% |
| Erie County | 68 | 58 | 6 | 8.8% |
| Franklin County | 36 | 35 | 1 | 2.8% |
| Luzerne County | 21 | 16 | 5 | 23.8% |
| Northumberland County | 19 | 16 | 3 | 15.8% |
| Montgomery County | 14 | 10 | 2 | 14.3% |
| Delaware County | 13 | 12 | 1 | 7.7% |
| Lackawanna County | 12 | 11 | 0 | 0.0% |
| Northampton County | 10 | 7 | 3 | 30.0% |
| Montour County | 8 | 7 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 429 applications in 2025, of which 356 were originated and 57 denied.
13.3% of all applications, or 13.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Heritage Financial originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First Heritage Financial's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology