First Heritage Mortgage in Pennsylvania vs the state
3.9%Denial rate-14.44 pts vs state
4.2%Decision denial rate-18.04 pts vs state
88.5%Origination rate+27.50 pts vs state
6.38%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.17 pts vs state
$94kMedian applicant income
46Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 34 | 2.4% | 6.56% | #503 |
| 2024 | 40 | 33 | 0.0% | 6.50% | #511 |
| 2025 | 52 | 46 | 3.9% | 6.38% | #489 |
What First Heritage Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Heritage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 15 | 14 | 0 | 0.0% |
| York County | 13 | 11 | 0 | 0.0% |
| Franklin County | 5 | 5 | 0 | 0.0% |
| Adams County | 5 | 5 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Beaver County | 2 | 2 | 0 | 0.0% |
| Delaware County | 2 | 1 | 0 | 0.0% |
| Chester County | 1 | 1 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Philadelphia County | 1 | 0 | 1 | 100.0% |
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: 52 applications in 2025, of which 46 were originated and 2 denied.
3.9% of all applications, or 4.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Heritage Mortgage originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First Heritage Mortgage'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