American Heritage Lending Mortgage Rates, Fees & Info
COSTA MESA, CALEI: 549300ZPSJZO10ZAX556
Tax ID: 26-2301259
1 stars - Updated: 12/3/24
-
out of 5 stars, based on 52 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
American Heritage Lending is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. American Heritage Lending has a high proportion of conventional loans. Their top markets by origination volume include: Miami, Orlando, Los Angeles, Tampa, and Atlanta among others. We have data for 318 markets. (Some data included below & more in-depth data is available with an active subscription.)American Heritage Lending 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 Lending is typically a high 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 relatively high 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.90% | 12/3/24 |
| 30 Year Conventional Refi | 7.48% | 12/3/24 |
| 30 Year Cash-out Refi | 8.51% | 12/3/24 |
| 30 Year FHA Purchase | 7.49% | 12/3/24 |
| 30 Year VA Purchase | 6.27% | 12/3/24 |
| 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 Lending Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from American Heritage Lending. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,719Origination Dollar Volume (All Markets)
$805,375,000Relative Rate
American Heritage Lending's average 30 year fixed mortgage rate was
8.78%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 2.3%.
Relative Fees (Closing Costs)
American Heritage Lending's average total fees/closing costs for a 30 year fixed rate
mortgage were $15,528.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 184 | $86,540,000 | $470,326 | $19,959 | 8.57% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 110 | $39,550,000 | $359,545 | $15,386 | 8.61% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 45 | $37,915,000 | $842,556 | $23,399 | 8.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 98 | $36,200,000 | $369,388 | $18,652 | 9.06% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 83 | $25,475,000 | $306,928 | $18,355 | 8.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 75 | $25,375,000 | $338,333 | $11,747 | 8.95% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 47 | $23,885,000 | $508,191 | $13,244 | 9.24% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 97 | $23,735,000 | $244,691 | $11,221 | 8.92% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 88 | $21,770,000 | $247,386 | $14,822 | 8.46% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 85 | $18,195,000 | $214,059 | $14,351 | 9.82% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 104 | $17,850,000 | $171,635 | $16,526 | 8.94% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 33 | $14,885,000 | $451,061 | $13,741 | 8.72% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 34 | $14,560,000 | $428,235 | $13,552 | 8.94% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 26 | $13,180,000 | $506,923 | $15,727 | 8.94% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 59 | $12,825,000 | $217,373 | $12,425 | 8.69% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 28 | $11,940,000 | $426,429 | $16,561 | 9.14% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 61 | $11,535,000 | $189,098 | $11,726 | 9.89% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 38 | $11,090,000 | $291,842 | $11,511 | 8.51% |
| Outside of Metro Areas | 43 | $10,935,000 | $254,302 | $12,128 | 9.15% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 30 | $10,410,000 | $347,000 | $15,813 | 9.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 29 | $9,415,000 | $324,655 | $12,245 | 9.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 20 | $9,030,000 | $451,500 | $23,566 | 8.66% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 65 | $8,345,000 | $128,385 | $9,169 | 9.72% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 15 | $8,255,000 | $550,333 | $29,326 | 8.46% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 12 | $7,720,000 | $643,333 | $24,222 | 10.51% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 21 | $7,385,000 | $351,667 | $17,749 | 8.35% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 19 | $6,685,000 | $351,842 | $10,256 | 8.62% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $6,190,000 | $1,031,667 | $24,877 | 8.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 37 | $6,125,000 | $165,541 | $11,459 | 9.18% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $6,095,000 | $468,846 | $5,345 | 9.11% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 13 | $5,775,000 | $444,231 | $17,078 | 8.99% |
| COLUMBUS, OH (FHA|USDA|VA) | 29 | $5,595,000 | $192,931 | $0 | 9.37% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 12 | $5,290,000 | $440,833 | $31,686 | 8.73% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 8 | $5,100,000 | $637,500 | $26,219 | 9.30% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $5,035,000 | $1,007,000 | $33,444 | 8.03% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $4,920,000 | $820,000 | $0 | 8.90% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 38 | $4,610,000 | $121,316 | $0 | 8.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 22 | $4,400,000 | $200,000 | $12,205 | 9.16% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 26 | $4,380,000 | $168,462 | $5,414 | 8.36% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 10 | $3,830,000 | $383,000 | $18,292 | 8.59% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 23 | $3,795,000 | $165,000 | $17,088 | 8.47% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $3,615,000 | $516,429 | $22,484 | 8.89% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 9 | $3,335,000 | $370,556 | $23,468 | 9.54% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $3,315,000 | $663,000 | $19,361 | 8.73% |
| LYNCHBURG, VA (FHA|USDA|VA) | 6 | $3,300,000 | $550,000 | $0 | 8.67% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 15 | $3,195,000 | $213,000 | $0 | 9.89% |
| OCALA, FL (FHA|USDA|VA) | 14 | $3,180,000 | $227,143 | $11,988 | 9.05% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 25 | $3,165,000 | $126,600 | $8,069 | 9.66% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 9 | $3,135,000 | $348,333 | $15,983 | 9.40% |
| PITTSBURGH, PA (FHA|USDA|VA) | 23 | $3,095,000 | $134,565 | $7,055 | 10.09% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 20 | $3,070,000 | $153,500 | $12,306 | 9.03% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $3,020,000 | $302,000 | $14,498 | 8.86% |
| WILMINGTON, NC (FHA|USDA|VA) | 10 | $2,830,000 | $283,000 | $17,280 | 8.23% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 16 | $2,760,000 | $172,500 | $8,306 | 8.70% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 18 | $2,740,000 | $152,222 | $0 | 9.17% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $2,700,000 | $337,500 | $0 | 9.17% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $2,700,000 | $1,350,000 | $0 | 8.31% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $2,690,000 | $336,250 | $0 | 9.03% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 19 | $2,575,000 | $135,526 | $0 | 10.21% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 11 | $2,365,000 | $215,000 | $14,019 | 9.09% |
| LOUISVILLE, KY (FHA|USDA|VA) | 12 | $2,340,000 | $195,000 | $12,083 | 9.78% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 11 | $2,315,000 | $210,455 | $7,031 | 8.85% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 11 | $2,255,000 | $205,000 | $0 | 9.83% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $11,915 | 8.48% |
| PANAMA CITY, FL (FHA|USDA|VA) | 7 | $2,025,000 | $289,286 | $0 | 8.45% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $2,010,000 | $1,005,000 | $0 | 9.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 10 | $2,000,000 | $200,000 | $10,421 | 9.46% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $0 | 8.94% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $1,915,000 | $1,915,000 | $0 | 9.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $15,735 | 8.36% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $18,867 | 10.06% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $1,890,000 | $189,000 | $0 | 9.64% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,885,000 | $628,333 | $0 | 8.50% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,860,000 | $465,000 | $18,359 | 7.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $0 | 9.08% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $1,840,000 | $460,000 | $0 | 8.59% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $1,775,000 | $253,571 | $0 | 9.82% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $1,765,000 | $588,333 | $23,958 | 8.29% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 13 | $1,715,000 | $131,923 | $8,809 | 9.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $13,335 | 8.44% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $26,403 | 8.27% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $0 | 10.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $9,716 | 8.92% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $1,610,000 | $201,250 | $10,338 | 9.39% |
| GAINESVILLE, FL (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $11,719 | 10.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $10,073 | 8.17% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $1,565,000 | $223,571 | $10,533 | 9.73% |
| TULSA, OK (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $11,632 | 9.30% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 8.88% |
| Holland, MI (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 7.38% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $0 | 9.27% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $1,435,000 | $159,444 | $0 | 10.35% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $13,263 | 9.21% |
| Outside of Metro Areas | 2 | $1,410,000 | $705,000 | $27,045 | 9.56% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $5,719 | 8.79% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $20,523 | 8.69% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $13,504 | 10.08% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $0 | 9.21% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $12,177 | 7.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $12,694 | 8.94% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 10 | $1,270,000 | $127,000 | $9,131 | 9.79% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $15,349 | 9.19% |
| TOLEDO, OH (FHA|USDA|VA) | 7 | $1,255,000 | $179,286 | $14,690 | 9.71% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $3,960 | 8.16% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 8 | $1,140,000 | $142,500 | $0 | 10.91% |
| Torrington, CT (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $4,339 | 8.81% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 8 | $1,110,000 | $138,750 | $0 | 9.02% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $0 | 8.79% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $0 | 10.92% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $7,514 | 8.83% |
| READING, PA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $30,473 | 9.94% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $9,492 | 9.28% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $0 | 9.25% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $9,455 | 9.56% |
| Key West, FL (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $11,777 | 9.13% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $15,542 | 7.75% |
| BEND, OR (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $16,665 | 7.81% |
| JACKSON, MS (FHA|USDA|VA) | 7 | $915,000 | $130,714 | $0 | 9.54% |
| Georgetown, SC (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $13,691 | 7.92% |
| Athens, TX (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $0 | 9.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 9 | $875,000 | $97,222 | $0 | 9.36% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $0 | 10.10% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 8 | $860,000 | $107,500 | $0 | 9.36% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $17,252 | 8.73% |
| LUBBOCK, TX (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $8,765 | 9.09% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $10,750 | 9.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $8,546 | 8.88% |
| WACO, TX (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $7,573 | 10.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $0 | 8.50% |
| RICHMOND, VA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $0 | 9.95% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 6 | $760,000 | $126,667 | $0 | 8.65% |
| Newport, OR (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 7.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $11,595 | 9.47% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $9,011 | 8.71% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 7.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $0 | 8.44% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 10.46% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $0 | 9.72% |
| AKRON, OH (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $9,154 | 10.05% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 9.25% |
| SALEM, OR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 9.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $0 | 9.53% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 8.33% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $9,737 | 8.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $0 | 10.34% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $12,460 | 8.13% |
| CHICO, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 9.50% |
| AMARILLO, TX (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $0 | 9.60% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $0 | 8.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $12,519 | 9.13% |
| Edwards, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 7.63% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 8.50% |
| RACINE, WI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 11.17% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $11,405 | 10.88% |
| TYLER, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 9.21% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $10,538 | 9.38% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 8.81% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,602 | 8.81% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 8.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $0 | 9.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $9,971 | 10.42% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $12,639 | 9.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 7.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 5 | $475,000 | $95,000 | $0 | 9.33% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $20,634 | 9.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 8.21% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 9.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 8.83% |
| WICHITA, KS (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $0 | 9.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 9.46% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 8.44% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,501 | 9.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,659 | 8.38% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 7.81% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,705 | 9.38% |
| Rockport, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 9.38% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 9.38% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,432 | 9.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 11.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 8.79% |
| DOVER, DE (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 9.69% |
| LAWTON, OK (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $0 | 9.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $11,758 | 8.00% |
| Lock Haven, PA (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $0 | 9.83% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 8.38% |
| Granbury, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,307 | 8.63% |
| Centralia, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.50% |
| Seneca, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,730 | 8.38% |
| REDDING, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 8.81% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 9.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 9.38% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 9.13% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 10.00% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 8.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $0 | 9.09% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 8.31% |
| Concord, NH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.38% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 11.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 8.96% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 10.38% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 9.31% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.75% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.38% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 10.04% |
| Somerset, KY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,325 | 8.31% |
| Lake City, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,038 | 9.13% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 9.63% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,764 | 8.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 8.25% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 9.88% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 8.25% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 9.19% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 8.50% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 12.25% |
| Hudson, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 10.13% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,045 | 8.13% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.25% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,407 | 8.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 8.38% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 9.75% |
| RENO, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,983 | 9.13% |
| MADISON, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,123 | 7.38% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 8.94% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 11.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 8.63% |
| Wilson, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 10.19% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 9.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 9.38% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.75% |
| FLINT, MI (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 10.56% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 10.13% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 10.50% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,020 | 7.38% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 11.13% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 11.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $8,023 | 10.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 11.75% |
| Maryville, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.75% |
| Oxford, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 12.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 9.75% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 8.56% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 8.56% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.38% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,692 | 7.50% |
| ELMIRA, NY (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 9.13% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 9.44% |
| Atmore, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.00% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.75% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 10.50% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.13% |
| Athens, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.38% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.75% |
| Sonora, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.50% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.25% |
| Marion, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.88% |
| Laconia, NH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,891 | 8.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 12.50% |
| Russellville, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.50% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,867 | 10.50% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.38% |
| Forest City, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.13% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 11.50% |
| MONROE, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 11.00% |
| Danville, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.88% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.50% |
| Ludington, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,186 | 9.50% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 10.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.50% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.50% |
| Albertville, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.88% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.38% |
| Hastings, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 11.00% |
| Corning, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 11.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.00% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.63% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.13% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.13% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.63% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 11.50% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.00% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 11.50% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 10.25% |
| Washington, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.38% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.88% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.88% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.63% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| McComb, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.63% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.63% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 11.50% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.13% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.75% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.50% |
| Urbana, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.13% |
| Picayune, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.13% |
| Marion, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.88% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.50% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,719 | $805,375,000 | $296,203 | $15,687 | 9.06% |
For 2023, American Heritage Lending's most frequently originated type of loan was Conventional, with 2,719 originations.
Loan Reason
For 2023, American Heritage Lending's most frequently cited loan purpose was Home Purchase, with 1,319 originations. The 2nd most popular reason was Cash Out Refi, with 1,102 originations.
Loan Duration/Length
For 2023, American Heritage Lending's most frequently cited loan duration was 30 Year, with 2,215 originations. The 2nd most popular length was 1 Year, with 291 originations.
Origination Fees/Closing Costs
American Heritage Lending's average total fees were $15,528, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 411 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 2,155 | $608,695,000 | $282,457 |
| 7-8% | 548 | $188,670,000 | $344,288 |
| 6-7% | 16 | $8,010,000 | $500,625 |
During 2023, American Heritage Lending's average interest rate for loans was 8.78%, while their most frequently originated rate bucket for loans was Over 8%, with 2,155 originations.
Loan Sizing
2023 saw American Heritage Lending place emphasis on $100k-200k loans with 984 originations, totaling $144,430,000 in origination value.
Applicant Income
American Heritage Lending lent most frequently to those with incomes in the $50k or less range, with 1,816 originations. The second most popular income band? $250k+, with 475 originations.
Applicant Debt to Income Ratio
American Heritage Lending lent most frequently to those with DTI ratios of <20%, with 235 originations. The next most common DTI ratio? 20-30%, with 173 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.19%
American Heritage Lending has an average approval rate.
Pick Rate
Approvals leading to origination31.26%
American Heritage Lending has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,719 | $805,375,000 | $296,203 |