First Heritage Mortgage, LLC
7,383 mortgages originated in 2025 across 8 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,383
- Median rate
- 6.375%
- Median lender fees
- $8,595
- Median loan amount
- $365,000
- Median spread over APOR
- 0.066
- Paid discount points
- 46.4%
- Received lender credits
- 57.8%
- Purchases / refinances
- 95% / 5%
- Conventional / FHA / VA
- 61.2% / 24.9% / 13.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95.8% of loans here — see methodology.
Where First Heritage Mortgage, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 2,637 | $7,289 | 6.375% |
| South Carolina | 1,380 | $9,031 | 6.250% |
| Maryland | 1,160 | $8,881 | 6.375% |
| North Carolina | 691 | $6,374 | 6.500% |
| Florida | 603 | $12,550 | 4.990% |
| Georgia | 452 | $10,976 | 6.250% |
| West Virginia | 267 | $9,494 | 6.200% |
| District of Columbia | 86 | $6,868 | 6.375% |