American Heritage Fcu Mortgage Rates, Fees & Info
Philadelphia, PALEI: 549300N5GF79IZ5Y7G10
Tax ID: 23-1370526
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Mortgage Data
Review & Overview
American Heritage Fcu is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. American Heritage Fcu has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, New York, Allentown, Ocean City, and Reading among others. We have data for 82 markets. (Some data included below & more in-depth data is available with an active subscription.)American Heritage Fcu has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. American Heritage Fcu is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.01% | 4/21/24 |
| 30 Year Conventional Purchase | 6.66% | 4/21/24 |
| 30 Year Conventional Refi | 6.55% | 4/21/24 |
| 30 Year Cash-out Refi | 6.72% | 4/21/24 |
| 30 Year FHA Purchase | 7.29% | 4/21/24 |
| 30 Year FHA Refi | 7.42% | 4/21/24 |
| 30 Year VA Purchase | 6.57% | 4/21/24 |
| 15 Year Conventional Purchase | 6.70% | 4/21/24 |
| 15 Year Conventional Refi | 6.58% | 4/21/24 |
| 15 Year Cash-out Refi | 6.58% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
American Heritage Fcu Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,508Origination Dollar Volume (All Markets)
$528,110,000Awards
AMERICAN HERITAGE FCU - 2021
AMERICAN HERITAGE FCU is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3,076 | $424,050,000 | $137,858 | $2,014 | 3.81% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 46 | $39,530,000 | $859,348 | $1,697 | 3.78% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 83 | $12,395,000 | $149,337 | $1,714 | 3.65% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 38 | $9,820,000 | $258,421 | $2,973 | 3.60% |
| READING, PA (FHA|USDA|VA) | 59 | $7,105,000 | $120,424 | $1,893 | 3.81% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 8 | $5,570,000 | $696,250 | $2,273 | 3.56% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 26 | $5,070,000 | $195,000 | $2,576 | 3.49% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $2,565,000 | $855,000 | $12,082 | 3.33% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 21 | $1,995,000 | $95,000 | $704 | 4.15% |
| Outside of Metro Areas | 13 | $1,655,000 | $127,308 | $2,284 | 3.55% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $1,295,000 | $143,889 | $885 | 3.70% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $2,467 | 3.40% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $786 | 3.86% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $1,610 | 4.13% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,171 | 3.54% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,321 | 4.68% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $8,335 | 2.38% |
| OCALA, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,949 | 3.06% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,504 | 2.96% |
| DOVER, DE (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $3,456 | 4.34% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,461 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,337 | 2.55% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 3.99% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,023 | 3.21% |
| Indiana, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,333 | 2.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,238 | 2.95% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,180 | 3.62% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,984 | 3.18% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $1,272 | 3.23% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,114 | 4.93% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 5.49% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $0 | 4.55% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,712 | 3.60% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,554 | 3.87% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,223 | 4.37% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $2,780 | 4.45% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,550 | 4.56% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $2,684 | 3.58% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $3,106 | 3.55% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 3.75% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.13% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,196 | 3.50% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 4.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,420 | 3.13% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,989 | 3.30% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,739 | 3.88% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,782 | 3.43% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,446 | 2.98% |
| Pottsville, PA (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $3,312 | 3.71% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 3.37% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,270 | 2.98% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,059 | 3.13% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,172 | 3.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,454 | 3.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,832 | 3.15% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,898 | 3.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $4,258 | 3.31% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $1,035 | 3.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,931 | 3.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.24% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,281 | 2.98% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.74% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,207 | 3.25% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,210 | 2.15% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,582 | 2.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.74% |
| Elkins, WV (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 2.88% |
| Easton, MD (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.74% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.74% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.74% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.24% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.24% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.24% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.74% |
| Sanford, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.24% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.74% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.74% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $312 | 3.99% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.24% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 3.74% |
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Product Mix
For 2021, American Heritage Fcu's most frequently originated type of loan was Conventional, with 2,192 originations. Their 2nd most popular type was HELOC, with 1,237 originations.
Loan Reason
For 2021, American Heritage Fcu's most frequently cited loan purpose was Home Improvement, with 1,065 originations. The 2nd most popular reason was Refi, with 979 originations.
Loan Duration/Length
For 2021, American Heritage Fcu's most frequently cited loan duration was 15 Year, with 857 originations. The 2nd most popular length was 10 Year, with 830 originations.
Origination Fees/Closing Costs
American Heritage Fcu's average total fees were $3,313, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,808 originations.
Interest Rates
During 2021, American Heritage Fcu's average interest rate for loans was 3.39%, while their most frequently originated rate bucket for loans was 3-4%, with 1,588 originations.
Loan Sizing
2021 saw American Heritage Fcu place emphasis on $100,000 or less loans with 1,675 originations, totaling $78,175,000 in origination value.
Applicant Income
American Heritage Fcu lent most frequently to those with incomes in the $100k-150k range, with 867 originations. The second most popular income band? $50k-75k, with 673 originations.
Applicant Debt to Income Ratio
American Heritage Fcu lent most frequently to those with DTI ratios of 20-30%, with 856 originations. The next most common DTI ratio? 30-36%, with 674 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.98%
American Heritage Fcu has a below average approval rate.
Pick Rate
Approvals leading to origination81.70%
American Heritage Fcu has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 11 | $465,000 | $42,273 |
| NA | 3,497 | $527,645,000 | $150,885 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN PACIFIC MORTGAGE | Conventional home mortgage | Closing on a mortgage | 1 | 3.6% |
| AMERICAN PACIFIC MORTGAGE | VA mortgage | Closing on a mortgage | 1 | 3.6% |
| AMERICAN PACIFIC MORTGAGE | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 3.6% |
| AMERICAN PACIFIC MORTGAGE | FHA mortgage | Trouble during payment process | 1 | 3.6% |
| AMERICAN PACIFIC MORTGAGE | FHA mortgage | Closing on a mortgage | 1 | 3.6% |
| AMERICAN PACIFIC MORTGAGE | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.6% |
| AMERICAN PACIFIC MORTGAGE | Conventional home mortgage | Incorrect information on your report | 1 | 3.6% |
| AMERICAN PACIFIC MORTGAGE | Conventional home mortgage | Trouble during payment process | 21 | 75.0% |