Lenders › First Heritage Mortgage, LLC › Virginia
First Heritage Mortgage, LLC in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Virginia, First Heritage Mortgage, LLC reported 3,108 applications and 2,635 originations for 2024, $1.3bn in all.
Its denial rate in the state was 1.1%, below the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 1.9%.
The median rate spread on its Virginia originations was 0.1 percentage points (state median 0.3).
Applications in the state were up 31% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | First Heritage Mortgage, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.1% | 22.1% | 1.9% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.7% | 16.5% | 1.6% | 15.6% |
| Average originated loan | $475k | $352k | $413k | $329k |
| Home purchase share | 96.4% | 55.8% | 96.8% | 57.0% |
| FHA-insured share | 14.1% | 11.7% | 22.5% | 13.4% |
| VA-guaranteed share | 14.0% | 16.4% | 14.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 96% (2,541)Home improvement 0% (2)Refinancing 2% (62)Cash-out refinancing 1% (30)
By type
Conventional 72% (1,885)FHA 14% (372)VA 14% (368)USDA 0% (10)
Denial reasons as coded
Share of 29 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fairfax County | 554 | 471 | $269m | 1.3% |
| Prince William County | 389 | 338 | $210m | 1.4% |
| Henrico County | 392 | 331 | $125m | 1.2% |
| Loudoun County | 319 | 281 | $172m | 0.4% |
| Chesterfield County | 213 | 175 | $63m | 1.1% |
| Albemarle County | 162 | 144 | $62m | 0.0% |
| Montgomery County | 93 | 83 | $28m | 0.0% |
| Alexandria city | 88 | 80 | $49m | 0.0% |
| Manassas Park city | 78 | 70 | $32m | 0.0% |
| Richmond city | 74 | 56 | $21m | 5.1% |
| Arlington County | 57 | 47 | $26m | 0.0% |
| Stafford County | 57 | 44 | $22m | 2.2% |
| Spotsylvania County | 36 | 31 | $13m | 0.0% |
| Charlottesville city | 36 | 31 | $13m | 0.0% |
| Fauquier County | 32 | 25 | $11m | 0.0% |
| Hanover County | 31 | 22 | $7.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Heritage Mortgage, LLC originate in Virginia in 2024?
2,635 loans totalling $1.3bn, from 3,108 applications reported for properties in Virginia.
What is First Heritage Mortgage, LLC's denial rate in Virginia?
1.1% of decided applications in Virginia were denied, against 22.1% for all lenders in the state and 1.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Virginia counties does First Heritage Mortgage, LLC lend in most?
By originations: Fairfax County (471), Prince William County (338), Henrico County (331), Loudoun County (281), Chesterfield County (175).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.