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

DALLAS, TX

LEI: 549300Z0ZUTDURG4KA31

Tax ID: 03-0488052

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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 Refi loans. American Heritage Capital L.p. has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Houston, Austin, Washington, and San Antonio among others. We have data for 54 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    Originations

    1,280

    Origination Dollar Volume (All Markets)

    $398,300,000
    Show all (20) 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) 496 $151,660,000 $305,766 $2,541 2.89%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 309 $93,115,000 $301,343 $2,678 2.85%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 122 $39,110,000 $320,574 $2,492 2.89%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 70 $25,550,000 $365,000 $1,898 2.86%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 35 $11,075,000 $316,429 $2,822 2.83%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 24 $7,020,000 $292,500 $2,857 2.81%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 18 $6,650,000 $369,444 $2,023 2.97%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 18 $6,410,000 $356,111 $1,604 3.09%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 23 $6,025,000 $261,957 $2,454 2.99%
    RICHMOND, VA (FHA|USDA|VA) 16 $4,520,000 $282,500 $2,318 2.89%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 14 $4,410,000 $315,000 $2,975 3.20%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $4,205,000 $382,273 $1,124 2.86%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 9 $3,725,000 $413,889 $2,697 2.81%
    JACKSONVILLE, FL (FHA|USDA|VA) 11 $3,435,000 $312,273 $2,788 3.07%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $3,055,000 $339,444 $2,174 3.14%
    STOCKTON, CA (FHA|USDA|VA) 6 $2,510,000 $418,333 $1,224 2.94%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $2,060,000 $343,333 $1,942 2.83%
    WACO, TX (FHA|USDA|VA) 5 $1,665,000 $333,000 $2,117 3.05%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,600,000 $266,667 $3,435 3.04%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $1,500,000 $375,000 $1,306 2.84%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $1,455,000 $291,000 $1,801 3.28%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,410,000 $235,000 $2,939 2.85%
    Outside of Metro Areas 6 $1,360,000 $226,667 $2,501 2.94%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,325,000 $265,000 $2,058 3.03%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,325,000 $441,667 $990 2.71%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,260,000 $315,000 $2,056 3.03%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,105,000 $368,333 $2,364 2.88%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $885,000 $295,000 $2,727 2.71%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $780,000 $390,000 $1,508 3.25%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $570,000 $285,000 $3,092 2.81%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $550,000 $275,000 $1,257 2.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $525,000 $175,000 $3,487 3.29%
    LUBBOCK, TX (FHA|USDA|VA) 2 $470,000 $235,000 $2,611 2.56%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $425,000 $425,000 $2,690 3.50%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $395,000 $395,000 $1,288 2.50%
    MIDLAND, TX (FHA|USDA|VA) 1 $395,000 $395,000 $1,738 2.75%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $365,000 $365,000 $6,839 2.00%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $350,000 $175,000 $3,277 3.94%
    Lufkin, TX (FHA|USDA|VA) 1 $315,000 $315,000 $3,671 2.88%
    Fredericksburg, TX (FHA|USDA|VA) 1 $315,000 $315,000 $2,712 2.63%
    Key West, FL (FHA|USDA|VA) 1 $295,000 $295,000 $2,520 3.63%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $285,000 $285,000 $1,016 2.25%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $285,000 $285,000 $1,953 2.75%
    FRESNO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $935 3.25%
    AMARILLO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,179 2.88%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,687 2.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,576 3.38%
    ODESSA, TX (FHA|USDA|VA) 1 $235,000 $235,000 $1,274 2.75%
    Brenham, TX (FHA|USDA|VA) 1 $225,000 $225,000 $1,992 3.00%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,640 3.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,186 3.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $205,000 $205,000 $1,880 2.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,585 3.75%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $165,000 $165,000 $1,470 3.50%
    American Heritage Capital L.p.'s top markets include Dallas, Houston, Austin, Washington, and San Antonio among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Washington (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.

    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 304
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 330
    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 372
    TRISTAR FINANCE, INC.
    Similarity Rank: 378
    We Florida Financial
    Similarity Rank: 638
    United Heritage Credit Union
    Similarity Rank: 657
    Christian Community Credit Union
    Similarity Rank: 716
    POWER FINANCIAL
    Similarity Rank: 870
    THE MONEY HOUSE INC.
    Similarity Rank: 946
    CHOICE LENDING CORP.
    Similarity Rank: 1035

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,280 $398,300,000 $311,172 $2,497 2.89%

    For 2020, American Heritage Capital L.p.'s most frequently originated type of loan was Conventional, with 1,280 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,194 $372,150,000 $311,683 $2,396 2.89%
    Home Purchase 57 $17,195,000 $301,667 $4,256 3.11%
    Cash Out Refi 29 $8,955,000 $308,793 $3,173 2.66%

    For 2020, American Heritage Capital L.p.'s most frequently cited loan purpose was Refi, with 1,194 originations. The 2nd most popular reason was Home Purchase, with 57 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 875 $278,265,000 $318,017 $2,471 2.98%
    15 Year 313 $91,725,000 $293,051 $2,594 2.60%
    20 Year 48 $14,490,000 $301,875 $2,725 2.98%
    Other 40 $12,400,000 $310,000 $1,959 2.97%
    10 Year 4 $1,420,000 $355,000 $3,115 3.00%

    For 2020, American Heritage Capital L.p.'s most frequently cited loan duration was 30 Year, with 875 originations. The 2nd most popular length was 15 Year, with 313 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 953 $304,985,000 $320,026
    $1k-2k 188 $52,560,000 $279,574
    $2k-3k 64 $17,740,000 $277,188
    $3k-4k 38 $10,460,000 $275,263
    $4k-5k 20 $6,320,000 $316,000
    $5k+ 16 $6,040,000 $377,500

    American Heritage Capital L.p.'s average total fees were $2,471, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 953 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 669 $210,815,000 $315,120
    3-4% 364 $113,610,000 $312,115
    <2.5% 238 $71,970,000 $302,395
    4-5% 8 $1,780,000 $222,500
    5-6% 1 $125,000 $125,000

    During 2020, American Heritage Capital L.p.'s average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 669 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 877 $258,845,000 $295,148 $2,413 2.88%
    $400k-600k 239 $109,115,000 $456,548 $2,693 2.90%
    $100k-200k 155 $26,645,000 $171,903 $2,656 2.95%
    $600k-1MM 5 $3,345,000 $669,000 $2,743 3.38%
    $100,000 or less 4 $350,000 $87,500 $2,682 2.97%

    2020 saw American Heritage Capital L.p. place emphasis on $200k-400k loans with 877 originations, totaling $258,845,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 470 $145,170,000 $308,872 $2,497 2.87%
    $150k-250k 356 $125,770,000 $353,287 $2,517 2.88%
    $75k-100k 169 $43,805,000 $259,201 $2,458 2.96%
    $50k-75k 95 $21,265,000 $223,842 $2,413 2.95%
    $250k+ 62 $24,310,000 $392,097 $3,025 2.88%
    $50k or less 12 $1,930,000 $160,833 $3,105 2.99%

    American Heritage Capital L.p. lent most frequently to those with incomes in the $100k-150k range, with 470 originations. The second most popular income band? $150k-250k, with 356 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 414 $126,860,000 $306,425 $2,364 2.89%
    30-36% 274 $85,910,000 $313,540 $2,516 2.87%
    <20% 166 $48,540,000 $292,410 $2,401 2.83%
    38% 41 $14,215,000 $346,707 $2,845 2.91%
    36% 41 $13,385,000 $326,463 $2,558 2.91%
    41% 37 $11,595,000 $313,378 $2,834 2.88%
    42% 35 $10,515,000 $300,429 $2,864 2.95%
    37% 32 $11,050,000 $345,313 $2,479 2.93%
    43% 31 $9,415,000 $303,710 $2,604 3.05%
    39% 30 $9,940,000 $331,333 $2,717 2.96%
    40% 28 $9,190,000 $328,214 $2,989 2.93%
    44% 22 $7,390,000 $335,909 $2,528 2.94%
    46% 17 $4,865,000 $286,176 $2,554 2.85%
    45% 15 $4,855,000 $323,667 $2,470 2.95%
    47% 12 $4,250,000 $354,167 $2,711 2.98%
    48% 12 $4,100,000 $341,667 $3,022 2.89%
    49% 4 $1,390,000 $347,500 $2,943 3.00%

    American Heritage Capital L.p. lent most frequently to those with DTI ratios of 20-30%, with 414 originations. The next most common DTI ratio? 30-36%, with 274 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 626 $191,260,000 $305,527 $2,573 2.92%
    Asian 248 $76,930,000 $310,202 $2,386 2.85%
    Not applicable 214 $67,890,000 $317,243 $2,405 2.95%
    Not provided 162 $53,510,000 $330,309 $2,458 2.79%
    Black 24 $6,510,000 $271,250 $2,759 2.73%
    American Indian 5 $1,745,000 $349,000 $2,167 3.10%
    Native Hawaiian or Islander 1 $455,000 $455,000 $3,170 2.63%

    Approval Rates

    Total approvals of all applications
    91.53%

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

    Pick Rate

    Approvals leading to origination
    92.34%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,280 $398,300,000 $311,172

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,280 $398,300,000 $311,172

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 45 $11,855,000 $263,444 $2,460 2.83%
    40-60% 257 $73,255,000 $285,039 $2,414 2.81%
    60-80% 805 $257,405,000 $319,758 $2,469 2.91%
    80-100% 172 $55,680,000 $323,721 $2,761 2.95%
    Under 20% 1 $105,000 $105,000 $2,385 2.75%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    AMERICAN PACIFIC MORTGAGE VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    AMERICAN PACIFIC MORTGAGE VA mortgage Struggling to pay mortgage 1 7.1%
    AMERICAN PACIFIC MORTGAGE VA mortgage Trouble during payment process 1 7.1%
    AMERICAN PACIFIC MORTGAGE Conventional home mortgage Trouble during payment process 7 50.0%
    AMERICAN PACIFIC MORTGAGE FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    AMERICAN PACIFIC MORTGAGE FHA mortgage Closing on a mortgage 1 7.1%
    AMERICAN PACIFIC MORTGAGE FHA mortgage Trouble during payment process 2 14.3%