Applications / Mortgage Analytics / Lenders / Virginia / First Heritage Mortgage
Fairfax, VA · Independent non-bank lender · CFPB · 7,383 loans in 2025
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7,383
loans originated, 2025
9,119
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Heritage Mortgage is a Virginia-based purchase lender that grew 16% in 2025 and ranks among the top ten lenders in Washington, Richmond and Columbia, SC.
Originations rose 16% to 7,383, against 14% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market, near the middle of the group. Home purchases were 95.0% of its lending and refinancing 5.0%. Its volume has risen two years running from 4,452 in 2023, though it remains below the 10,158 loans of 2020.
VA loans (guaranteed by the Department of Veterans Affairs) were 13.3% of its lending, against 7.7%, more than about four in five similar lenders. Only 1.0% of its loans were higher-priced (a rate well above the average for similar loans), against 3.5%, and its typical rate, 6.38%, was lower than about four in five similar lenders' 6.62%.
It made 39.2% of its loans in majority-minority areas, against 25.3% at similar lenders, more than about four in five of them. Its share to LMI (low- and moderate-income) borrowers, 27.6%, was a little below their 29.9%, possibly because its typical loan, $365,000, was larger than theirs, $315,000.
It ranked 8 of 757 lenders in Washington-Arlington-Alexandria, 9 of 551 in Richmond and 6 of 515 in Columbia, SC, markets it has served since 2005 or 2006. Its share in Raleigh-Cary rose from 0.5% to 0.8%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Heritage Mortgage took 9,119 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.0% · Refinance 5.0% · Home improvement 0.1%
Conventional 61.2% · FHA 24.9% · VA 13.3% · USDA (RHS or FSA) 0.6% · of 7,383 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 2,637 | 35.7% |
| South Carolina | 1,380 | 18.7% |
| Maryland | 1,160 | 15.7% |
| North Carolina | 691 | 9.4% |
| Florida | 603 | 8.2% |
| Georgia | 452 | 6.1% |
| West Virginia | 267 | 3.6% |
| District of Columbia | 86 | 1.2% |
| Pennsylvania | 46 | 0.6% |
| Massachusetts | 17 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 1,470 |
| Richmond | 769 |
| Washington | 579 |
| Columbia | 526 |
| Frederick-Gaithersburg-Bethesda | 381 |
| Raleigh-Cary | 323 |
| Charlottesville | 258 |
| Augusta-Richmond County | 254 |
| Greenville-Anderson-Greer | 254 |
| Orlando-Kissimmee-Sanford | 238 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EM8ID8J7F8OM55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882524 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7541822464 |
Established 23 August 1996. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: First Heritage Mortgage's data.
First Heritage Mortgage's data
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