Applications / Mortgage Analytics / Lenders / Pennsylvania / First Heritage Financial
Trevose, PA · Independent non-bank lender · CFPB · 417 loans in 2025
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417
loans originated, 2025
501
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Heritage Financial, an independent mortgage company in Trevose, Pennsylvania, lends far more to home buyers of modest means than similar lenders do, and its lending grew faster than that of similar lenders in 2025.
Borrowers with low or moderate incomes (LMI) took 45.9% of its loans, against 23.6% at similar lenders, meaning independent lenders making between half and twice as many loans. That is more than at nine in ten of them. In LMI neighborhoods the gap was as wide: 32.4% of its loans, against 17.5%, among the highest of its peers.
Loans insured by the Federal Housing Administration (FHA) made up 36.0% of its lending, against 18.5% at similar lenders. Its typical loan was $205,000, against $335,000. Purchases were 91.6% of its loans. Smaller, government-backed purchase loans are the usual business of a lender serving lower-income buyers.
Its loans rose 13% in 2025, to 417, while similar lenders' rose 2% and the whole market grew 10%. That was its second year of growth after 302 loans in 2023, though it remains well below the 1,126 it made in 2020.
In Chambersburg its share rose from 0.3% to 1.1%, placing it 24th of 228 lenders in a market led by Farmers and Merchants Trust Company of Chambersburg. In Erie its share slipped from 1.2% to 0.9%, though it also ranked 24th there, of 224 lenders, and a share that small can move on a few loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Financial took 501 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.6% · Refinance 8.4%
Conventional 61.2% · FHA 36.0% · VA 1.9% · USDA (RHS or FSA) 1.0% · of 417 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 |
|---|---|---|
| Pennsylvania | 356 | 85.4% |
| New Jersey | 20 | 4.8% |
| Missouri | 17 | 4.1% |
| Delaware | 14 | 3.4% |
| Illinois | 3 | 0.7% |
| Virginia | 2 | 0.5% |
| Florida | 1 | 0.2% |
| Maryland | 1 | 0.2% |
| North Carolina | 1 | 0.2% |
| New York | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 114 |
| Erie | 58 |
| Chambersburg | 35 |
| Scranton--Wilkes-Barre | 27 |
| St. Louis | 20 |
| Montgomery County-Bucks County-Chester County | 18 |
| Allentown-Bethlehem-Easton | 12 |
| Wilmington | 9 |
| Lebanon | 8 |
| Harrisburg-Carlisle | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001E3OD1D4Y8KX63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4534053 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7233102701 | |
| Respondent ID (the HMDA filer code before 2018) | 5233102701 | 2012–2016 |
Established 26 November 2001. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: First Heritage Financial's data.
First Heritage Financial's data
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First Heritage Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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