{"citation":"First Heritage SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/first-heritage/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/first-heritage/","title":"First Heritage SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"NCUA credit union call report data (headquarters and website)","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"}],"data":{"lender":{"name":"First Heritage","legal_name":"First Heritage Federal Credit Union","type":"credit union","headquarters_city":"Corning","headquarters_state":"NY","fdic_certificate":null,"ncua_charter":9604,"regulator_status":"active","website":"https://www.fhfcu.org","rank_by_loans":434,"lenders_ranked":807},"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"loans":27,"dollars_approved":7129000,"median_loan":207000,"loan_25th_percentile":121000,"loan_75th_percentile":370600,"median_term_months":120,"median_starting_rate_pct":9.0,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":0.75,"sba_express_share_pct":null,"line_of_credit_share_pct":null,"loans_by_size":{"$50,000 or less":null,"$50,001 to $150,000":7,"$150,001 to $350,000":11,"$350,001 to $500,000":null,"$500,001 to $1,000,000":null,"$1,000,001 to $2,000,000":0,"Over $2,000,000":0},"loans_by_business_age":{"In business more than 2 years":6,"In business 2 years or less":null,"Startup: the loan opens the business":9,"Change of ownership":10,"Not answered":0},"top_states":{"New York":20,"Pennsylvania":7},"top_industries":{},"loans_by_fiscal_year":{"2020":null,"2021":null,"2022":null,"2023":null,"2024":12,"2025":9,"2026":6},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":9,"charged_off_pct_of_loans":0.0,"charged_off_pct_of_dollars":0.0},"all_lenders":{"median_loan":150300,"median_spread_over_prime_points":2.75,"sba_express_share_pct":35.8,"line_of_credit_share_pct":28.1,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}