American Heritage Lending Mortgage Rates, Fees & Info

COSTA MESA, CA

LEI: 549300ZPSJZO10ZAX556

Tax ID: 26-2301259

1 stars - Updated: 4/18/24 - 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 8.90% 4/18/24
30 Year Conventional Refi 7.48% 4/18/24
30 Year Cash-out Refi 8.51% 4/18/24
30 Year FHA Purchase 7.49% 4/18/24
30 Year VA Purchase 6.27% 4/18/24
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

2,719

Origination Dollar Volume (All Markets)

$805,375,000

Relative 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%
American Heritage Lending's top markets include Miami, Orlando, Los Angeles, Tampa, and Atlanta among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,319 $446,345,000 $338,397 $15,833 9.23%
    Cash Out Refi 1,102 $272,230,000 $247,033 $14,667 8.97%
    Refi 298 $86,800,000 $291,275 $21,849 8.65%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,215 $643,475,000 $290,508 $15,528 8.78%
    1 Year 291 $73,505,000 $252,595 $0 11.38%
    30+ year 206 $85,410,000 $414,612 $18,860 8.77%
    Other 5 $2,835,000 $567,000 $0 11.40%
    20 Year 2 $150,000 $75,000 $0 7.81%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 411 $215,395,000 $524,075
    $1k-2k 30 $13,420,000 $447,333
    $4k-5k 22 $7,130,000 $324,091
    $3k-4k 19 $6,235,000 $328,158
    $2k-3k 18 $9,850,000 $547,222
    $<1k 4 $930,000 $232,500

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 984 $144,430,000 $146,778 $8,177 9.16%
    $200k-400k 896 $250,240,000 $279,286 $11,587 8.92%
    $100,000 or less 311 $26,715,000 $85,900 $0 9.57%
    $400k-600k 264 $127,620,000 $483,409 $15,716 8.85%
    $600k-1MM 179 $137,175,000 $766,341 $21,317 8.84%
    $1MM+ 85 $119,195,000 $1,402,294 $32,751 8.70%

    2023 saw American Heritage Lending place emphasis on $100k-200k loans with 984 originations, totaling $144,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,816 $389,390,000 $214,422 $7,993 9.29%
    $250k+ 475 $277,125,000 $583,421 $19,841 8.60%
    $150k-250k 203 $74,995,000 $369,433 $13,894 8.66%
    $100k-150k 123 $34,935,000 $284,024 $11,481 8.68%
    $75k-100k 59 $16,135,000 $273,475 $11,581 8.41%
    $50k-75k 39 $9,885,000 $253,462 $8,473 8.41%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 235 $105,145,000 $447,426 $16,747 8.61%
    20-30% 173 $81,405,000 $470,549 $16,190 8.54%
    30-36% 115 $49,415,000 $429,696 $12,981 8.65%
    49% 40 $14,260,000 $356,500 $14,413 8.60%
    44% 34 $19,640,000 $577,647 $16,726 8.47%
    43% 31 $12,965,000 $418,226 $14,468 8.60%
    39% 31 $15,375,000 $495,968 $16,373 8.87%
    47% 30 $11,740,000 $391,333 $12,959 8.88%
    37% 29 $12,525,000 $431,897 $13,561 8.62%
    42% 28 $12,170,000 $434,643 $15,935 8.44%
    48% 26 $11,250,000 $432,692 $14,335 8.63%
    40% 24 $14,050,000 $585,417 $16,502 8.30%
    36% 22 $8,750,000 $397,727 $18,087 8.76%
    45% 22 $8,040,000 $365,455 $16,387 8.45%
    46% 21 $12,235,000 $582,619 $18,704 8.52%
    41% 21 $8,965,000 $426,905 $17,324 8.88%
    >60% 20 $4,550,000 $227,500 $0 9.16%
    38% 19 $8,815,000 $463,947 $16,886 8.41%
    50-60% 18 $7,070,000 $392,778 $18,411 9.03%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,642 $513,750,000 $312,881 $15,377 9.06%
    Black 481 $117,405,000 $244,085 $16,944 9.34%
    Not provided 365 $102,145,000 $279,849 $16,159 8.83%
    Asian 194 $62,940,000 $324,433 $16,371 8.81%
    American Indian 28 $5,900,000 $210,714 $15,719 9.46%
    Native Hawaiian or Islander 7 $2,695,000 $385,000 $0 9.07%
    Asian Indian 1 $385,000 $385,000 $0 9.38%
    Not applicable 1 $155,000 $155,000 $0 12.00%

    Approval Rates

    Total approvals of all applications
    92.19%

    American Heritage Lending has an average approval rate.

    Pick Rate

    Approvals leading to origination
    31.26%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,719 $805,375,000 $296,203

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 45 $10,425,000 $231,667 $9,389 8.41%
    40-60% 226 $58,080,000 $256,991 $13,791 8.65%
    60-80% 1,810 $500,540,000 $276,541 $15,420 8.87%
    80-100% 489 $199,065,000 $407,086 $16,890 9.33%
    Over 100% 138 $33,270,000 $241,087 $0 11.49%
    Under 20% 11 $3,995,000 $363,182 $8,349 9.88%