American Heritage Capital L.p. Mortgage Rates, Fees & Info

DALLAS, TX

LEI: 549300Z0ZUTDURG4KA31

Tax ID: 03-0488052

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    American Heritage Capital L.p. is a smaller mortgage company specializing in Home Purchase loans. American Heritage Capital L.p. has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Austin, Houston, San Antonio, and Tyler among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American Heritage Capital L.p. has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. American Heritage Capital L.p. 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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    Originations

    86

    Origination Dollar Volume (All Markets)

    $25,130,000
    Show all (6) awards

    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
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 31 $9,465,000 $305,323 $3,828 4.34%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 19 $5,845,000 $307,632 $4,402 4.22%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 17 $4,855,000 $285,588 $5,172 4.24%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,030,000 $253,750 $5,677 4.19%
    TYLER, TX (FHA|USDA|VA) 2 $700,000 $350,000 $3,814 4.50%
    MIDLAND, TX (FHA|USDA|VA) 2 $460,000 $230,000 $5,378 3.75%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $355,000 $355,000 $1,668 4.00%
    EL PASO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $3,302 4.00%
    LUBBOCK, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,239 4.13%
    Outside of Metro Areas 1 $255,000 $255,000 $4,856 4.50%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,352 4.25%
    Gainesville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,779 4.50%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,183 4.38%
    American Heritage Capital L.p.'s top markets include Dallas, Austin, Houston, San Antonio, and Tyler among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against AMERICAN HERITAGE CAPITAL L.P. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    McCoy Federal Credit Union
    Similarity Rank: 60
    NEIGHBORHOOD
    Similarity Rank: 200
    LBS FINANCIAL
    Similarity Rank: 210
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 216
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 255
    CORNERSTONE MORTGAGE PROVIDERS
    Similarity Rank: 291
    Sno Falls Credit Union
    Similarity Rank: 309
    We Florida Financial
    Similarity Rank: 312
    Bank of Clarke County
    Similarity Rank: 320
    LA Financial Federal Credit Union
    Similarity Rank: 321

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 86 $25,130,000 $292,209 $4,458 4.26%

    For 2018, American Heritage Capital L.p.'s most frequently originated type of loan was Conventional, with 86 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 77 $22,445,000 $291,494 $4,565 4.27%
    Refi 6 $1,970,000 $328,333 $3,575 4.21%
    Cash Out Refi 3 $715,000 $238,333 $3,485 4.25%

    For 2018, American Heritage Capital L.p.'s most frequently cited loan purpose was Home Purchase, with 77 originations. The 2nd most popular reason was Refi, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 73 $21,715,000 $297,466 $4,497 4.35%
    15 Year 12 $3,120,000 $260,000 $4,361 3.74%
    20 Year 1 $295,000 $295,000 $2,810 4.38%

    For 2018, American Heritage Capital L.p.'s most frequently cited loan duration was 30 Year, with 73 originations. The 2nd most popular length was 15 Year, with 12 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 41 $13,325,000 $325,000
    $1k-2k 30 $6,990,000 $233,000
    $3k-4k 6 $2,010,000 $335,000
    $2k-3k 5 $1,605,000 $321,000
    $4k-5k 3 $875,000 $291,667
    $5k+ 1 $325,000 $325,000

    American Heritage Capital L.p.'s average total fees were $4,497, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 41 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 63 $18,685,000 $296,587
    3-4% 21 $6,125,000 $291,667
    5-6% 2 $320,000 $160,000

    During 2018, American Heritage Capital L.p.'s average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 63 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 67 $19,755,000 $294,851 $4,568 4.26%
    $100k-200k 11 $1,855,000 $168,636 $3,828 4.33%
    $400k-600k 8 $3,520,000 $440,000 $4,407 4.17%

    2018 saw American Heritage Capital L.p. place emphasis on $200k-400k loans with 67 originations, totaling $19,755,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 32 $9,380,000 $293,125 $4,628 4.36%
    $150k-250k 24 $8,340,000 $347,500 $4,186 4.23%
    $75k-100k 14 $3,790,000 $270,714 $4,849 4.12%
    $50k-75k 10 $2,120,000 $212,000 $3,860 4.23%
    $250k+ 4 $1,010,000 $252,500 $4,968 4.31%
    $50k or less 2 $490,000 $245,000 $4,255 4.31%

    American Heritage Capital L.p. lent most frequently to those with incomes in the $100k-150k range, with 32 originations. The second most popular income band? $150k-250k, with 24 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 21 $5,725,000 $272,619 $4,112 4.40%
    30-36% 13 $3,615,000 $278,077 $3,993 4.28%
    37% 6 $2,020,000 $336,667 $4,451 4.06%
    46% 6 $1,530,000 $255,000 $5,593 4.23%
    41% 5 $1,705,000 $341,000 $4,919 4.53%
    38% 4 $980,000 $245,000 $3,767 4.34%
    48% 4 $1,380,000 $345,000 $4,873 4.00%
    43% 4 $1,080,000 $270,000 $5,196 4.34%
    39% 4 $1,330,000 $332,500 $3,138 4.19%
    40% 4 $1,090,000 $272,500 $5,084 4.22%
    <20% 3 $805,000 $268,333 $5,792 3.75%
    44% 2 $750,000 $375,000 $4,148 4.38%
    42% 2 $690,000 $345,000 $3,186 4.31%
    47% 2 $640,000 $320,000 $5,662 4.69%
    36% 2 $360,000 $180,000 $4,044 3.94%
    49% 2 $780,000 $390,000 $3,272 4.00%
    >60% 2 $650,000 $325,000 $7,025 3.94%

    American Heritage Capital L.p. lent most frequently to those with DTI ratios of 20-30%, with 21 originations. The next most common DTI ratio? 30-36%, with 13 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 56 $16,450,000 $293,750 $4,343 4.28%
    Not provided 17 $4,805,000 $282,647 $4,528 4.21%
    Asian 12 $3,450,000 $287,500 $5,051 4.25%
    Black 1 $425,000 $425,000 $2,606 4.25%

    Approval Rates

    Total approvals of all applications
    95.00%

    American Heritage Capital L.p. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    94.19%

    American Heritage Capital L.p. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 86 $25,130,000 $292,209

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 86 $25,130,000 $292,209

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1 $175,000 $175,000 $3,422 3.88%
    40-60% 7 $1,775,000 $253,571 $3,494 4.34%
    60-80% 40 $12,160,000 $304,000 $4,365 4.29%
    80-100% 38 $11,020,000 $290,000 $4,761 4.23%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    AMERICAN PACIFIC MORTGAGE Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 25.0%
    AMERICAN PACIFIC MORTGAGE Other type of mortgage Closing on a mortgage 1 12.5%
    AMERICAN PACIFIC MORTGAGE FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 12.5%
    AMERICAN PACIFIC MORTGAGE Conventional home mortgage Trouble during payment process 2 25.0%
    AMERICAN PACIFIC MORTGAGE Conventional home mortgage Closing on a mortgage 2 25.0%