American Heritage Capital L.p. Mortgage Rates, Fees & Info
DALLAS, TXLEI: 549300Z0ZUTDURG4KA31
Tax ID: 03-0488052
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Mortgage Data
Review & Overview
American Heritage Capital L.p. is a smaller mortgage company specializing in Refi and Home Purchase loans. American Heritage Capital L.p. has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Houston, Austin, San Antonio, and Los Angeles among others. We have data for 50 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 a below 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.
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Originations
727Origination Dollar Volume (All Markets)
$220,895,000Awards
AMERICAN HERITAGE CAPITAL L.P. - 2019
AMERICAN HERITAGE CAPITAL L.P. is a 2019 , due to their low .
For 2019, 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 311 | $92,045,000 | $295,965 | $4,323 | 3.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 148 | $42,610,000 | $287,905 | $4,175 | 3.66% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 64 | $19,270,000 | $301,094 | $3,799 | 3.82% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 34 | $9,520,000 | $280,000 | $5,103 | 3.59% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 21 | $8,715,000 | $415,000 | $3,354 | 3.65% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 20 | $8,020,000 | $401,000 | $3,785 | 3.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 19 | $6,205,000 | $326,579 | $1,999 | 3.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $4,185,000 | $380,455 | $3,443 | 3.48% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 9 | $3,695,000 | $410,556 | $3,765 | 3.71% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 8 | $2,690,000 | $336,250 | $3,112 | 3.59% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $3,051 | 3.50% |
| WACO, TX (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $5,158 | 3.73% |
| Outside of Metro Areas | 5 | $1,155,000 | $231,000 | $2,680 | 3.85% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $6,311 | 3.47% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,687 | 3.71% |
| VICTORIA, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $7,321 | 3.71% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $3,897 | 3.78% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $1,336 | 3.71% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,013 | 3.69% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,847 | 3.71% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,782 | 3.75% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,158 | 3.56% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,197 | 3.56% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,793 | 3.71% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,042 | 3.81% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,974 | 4.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,670 | 3.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,895 | 3.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,255 | 4.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,348 | 3.38% |
| TYLER, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,735 | 3.88% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,341 | 4.50% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,279 | 3.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,707 | 4.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,795 | 4.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,565 | 4.42% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,422 | 3.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,994 | 4.13% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,151 | 3.50% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,810 | 3.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,205 | 3.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,653 | 4.44% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,940 | 3.75% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,032 | 4.13% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,329 | 4.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,678 | 2.75% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,732 | 3.63% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,429 | 3.50% |
| Brenham, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,458 | 4.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,065 | 4.50% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 727 | $220,895,000 | $303,845 | $4,131 | 3.73% |
For 2019, American Heritage Capital L.p.'s most frequently originated type of loan was Conventional, with 727 originations.
Loan Reason
For 2019, American Heritage Capital L.p.'s most frequently cited loan purpose was Refi, with 467 originations. The 2nd most popular reason was Home Purchase, with 259 originations.
Loan Duration/Length
For 2019, American Heritage Capital L.p.'s most frequently cited loan duration was 30 Year, with 552 originations. The 2nd most popular length was 15 Year, with 127 originations.
Origination Fees/Closing Costs
American Heritage Capital L.p.'s average total fees were $4,168, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 321 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 544 | $171,820,000 | $315,846 |
| 4-5% | 135 | $35,825,000 | $265,370 |
| 2.5-3% | 38 | $11,330,000 | $298,158 |
| 5-6% | 10 | $1,920,000 | $192,000 |
During 2019, American Heritage Capital L.p.'s average interest rate for loans was 3.85%, while their most frequently originated rate bucket for loans was 3-4%, with 544 originations.
Loan Sizing
2019 saw American Heritage Capital L.p. place emphasis on $200k-400k loans with 465 originations, totaling $135,875,000 in origination value.
Applicant Income
American Heritage Capital L.p. lent most frequently to those with incomes in the $100k-150k range, with 293 originations. The second most popular income band? $150k-250k, with 197 originations.
Applicant Debt to Income Ratio
American Heritage Capital L.p. lent most frequently to those with DTI ratios of 20-30%, with 205 originations. The next most common DTI ratio? 30-36%, with 138 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.02%
American Heritage Capital L.p. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination87.07%
American Heritage Capital L.p. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 727 | $220,895,000 | $303,845 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 727 | $220,895,000 | $303,845 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| American Heritage Capital, LP | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |