Lender in Virginia · HMDA 2025
First Heritage Mortgage, LLC mortgages in Virginia
First Heritage Mortgage, LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
First Heritage Mortgage, LLC originated 2,318 owner-occupied single-family loans in Virginia from 2,409 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $6,040 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.50% (Virginia: 6.625%).
Loans in VA
2,318
of 2,409 applications
Denial rate
3.2%
Purchase · VA 6.9%
Rate spread
+0.01 pts
Conv. · VA +0.10 pts
Loan amount
$425,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,242 | 2,161 | 3.2% | 6.500% | +0.01 pts | $6,040 | $425,000 |
| Refinance | 129 | 123 | 3.9% | 6.375% | −0.00 pts | $4,760 | $515,000 |
| Cash-out refinance | 38 | 34 | 10.5% | — | +0.03 pts | $6,400 | $375,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where First Heritage Mortgage, LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 46.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fluvanna County | 1 | 81 | 15.6% |
| Manassas Park city | 1 | 39 | 15.9% |
| Charlottesville city | 1 | 28 | 9.4% |
| Albemarle County | 2 | 112 | 7.6% |
| Prince William County | 3 | 293 | 4.3% |
| Henrico County | 4 | 220 | 4.3% |
| Alexandria city | 4 | 85 | 4.3% |
| Montgomery County | 5 | 49 | 5.5% |
| Orange County | 5 | 40 | 4.3% |
| Falls Church city | 5 | 8 | 4.4% |
| Fairfax County | 6 | 396 | 3.0% |
| Pulaski County | 6 | 19 | 4.5% |
| Greene County | 6 | 13 | 3.5% |
| Amelia County | 6 | 8 | 4.1% |
| Radford city | 6 | 7 | 4.5% |
| Loudoun County | 7 | 178 | 2.5% |
| Powhatan County | 7 | 19 | 3.4% |
| Nottoway County | 7 | 6 | 3.5% |
| Chesterfield County | 8 | 201 | 2.9% |
| Hanover County | 8 | 53 | 2.9% |
| Poquoson city | 9 | 8 | 2.7% |
| Giles County | 9 | 7 | 3.7% |
| Lancaster County | 9 | 5 | 2.5% |
| Richmond city | 10 | 69 | 2.8% |
| Petersburg city | 10 | 10 | 2.1% |
| Floyd County | 10 | 4 | 2.6% |
| Fauquier County | 11 | 25 | 2.1% |
| Middlesex County | 11 | 4 | 2.2% |
| Warren County | 12 | 14 | 1.9% |
| Waynesboro city | 13 | 10 | 2.3% |
- First Heritage Mortgage, LLC nationwide
- Virginia mortgage market
- First Heritage Mortgage, LLC in South Carolina
- First Heritage Mortgage, LLC in Maryland
- First Heritage Mortgage, LLC in North Carolina
- First Heritage Mortgage, LLC in Florida
- First Heritage Mortgage, LLC in Georgia
- First Heritage Mortgage, LLC in West Virginia
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology