American Heritage Lending Mortgage Rates, Fees & Info
COSTA MESA, CALEI: 549300ZPSJZO10ZAX556
Tax ID: 26-2301259
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Mortgage Data
Review & Overview
American Heritage Lending is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. American Heritage Lending has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Miami, New York, Riverside, Tampa, and Los Angeles among others. We have data for 228 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% | 12/4/24 |
| 30 Year Conventional Refi | 7.48% | 12/4/24 |
| 30 Year Cash-out Refi | 8.51% | 12/4/24 |
| 30 Year FHA Purchase | 7.49% | 12/4/24 |
| 30 Year VA Purchase | 6.27% | 12/4/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,414Origination Dollar Volume (All Markets)
$400,070,000Top 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) | 64 | $37,760,000 | $590,000 | $24,269 | 7.79% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 34 | $19,050,000 | $560,294 | $0 | 7.40% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 46 | $17,580,000 | $382,174 | $14,017 | 5.98% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 55 | $17,445,000 | $317,182 | $16,984 | 8.65% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 16 | $16,300,000 | $1,018,750 | $22,935 | 7.03% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 74 | $13,000,000 | $175,676 | $7,687 | 7.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $12,800,000 | $336,842 | $20,351 | 7.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 26 | $10,580,000 | $406,923 | $19,905 | 6.20% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 40 | $10,530,000 | $263,250 | $11,177 | 7.98% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 38 | $8,380,000 | $220,526 | $15,548 | 7.02% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 34 | $7,140,000 | $210,000 | $0 | 6.24% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 17 | $6,915,000 | $406,765 | $0 | 7.80% |
| Outside of Metro Areas | 18 | $6,790,000 | $377,222 | $3,535 | 7.17% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 35 | $6,625,000 | $189,286 | $0 | 6.93% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 19 | $5,865,000 | $308,684 | $10,136 | 7.95% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 25 | $5,075,000 | $203,000 | $8,149 | 8.21% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 28 | $4,930,000 | $176,071 | $0 | 7.23% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $4,705,000 | $276,765 | $0 | 5.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $4,410,000 | $1,102,500 | $0 | 6.09% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 10 | $4,180,000 | $418,000 | $17,688 | 7.85% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $3,960,000 | $330,000 | $24,129 | 7.71% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $3,640,000 | $606,667 | $4,240 | 7.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 22 | $3,580,000 | $162,727 | $0 | 7.60% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 19 | $3,505,000 | $184,474 | $0 | 8.14% |
| Sevierville, TN (FHA|USDA|VA) | 7 | $3,475,000 | $496,429 | $0 | 7.27% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 28 | $3,380,000 | $120,714 | $0 | 6.96% |
| BOISE CITY, ID (FHA|USDA|VA) | 10 | $3,330,000 | $333,000 | $0 | 10.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 15 | $3,325,000 | $221,667 | $0 | 7.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 24 | $3,230,000 | $134,583 | $0 | 6.78% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $3,200,000 | $533,333 | $0 | 7.58% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 17 | $3,195,000 | $187,941 | $4,644 | 6.32% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 16 | $3,140,000 | $196,250 | $0 | 7.12% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 17 | $3,105,000 | $182,647 | $11,018 | 8.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 19 | $3,055,000 | $160,789 | $0 | 6.02% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $2,975,000 | $425,000 | $4,283 | 8.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 10 | $2,970,000 | $297,000 | $8,978 | 8.55% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 12 | $2,830,000 | $235,833 | $0 | 8.26% |
| OCALA, FL (FHA|USDA|VA) | 13 | $2,655,000 | $204,231 | $0 | 6.89% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $2,545,000 | $363,571 | $0 | 6.41% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $2,460,000 | $1,230,000 | $6,798 | 8.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 11 | $2,405,000 | $218,636 | $0 | 5.72% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 11 | $2,405,000 | $218,636 | $0 | 6.60% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $2,340,000 | $292,500 | $0 | 8.05% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $2,330,000 | $582,500 | $16,783 | 7.94% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 18 | $2,320,000 | $128,889 | $0 | 9.46% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $2,205,000 | $735,000 | $0 | 6.75% |
| Centralia, WA (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $0 | 5.79% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $2,040,000 | $340,000 | $0 | 7.31% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 11 | $2,035,000 | $185,000 | $13,728 | 7.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $11,661 | 8.13% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,900,000 | $950,000 | $0 | 6.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,885,000 | $628,333 | $0 | 7.21% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,880,000 | $470,000 | $0 | 6.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $0 | 6.04% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $0 | 7.54% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $62,393 | 9.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $0 | 7.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $10,653 | 8.94% |
| CORVALLIS, OR (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $0 | 5.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $1,580,000 | $197,500 | $0 | 7.70% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 6 | $1,560,000 | $260,000 | $0 | 8.54% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $0 | 7.79% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 12 | $1,440,000 | $120,000 | $0 | 7.59% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $0 | 5.78% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $0 | 7.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $13,574 | 8.06% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $12,088 | 8.10% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $0 | 8.94% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $0 | 7.56% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $0 | 7.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $0 | 5.19% |
| Athens, TX (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $0 | 9.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $0 | 10.29% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $0 | 5.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $0 | 7.46% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $0 | 6.83% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $15,294 | 7.41% |
| BATON ROUGE, LA (FHA|USDA|VA) | 8 | $1,120,000 | $140,000 | $0 | 7.92% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $0 | 7.06% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $0 | 7.75% |
| WACO, TX (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $0 | 6.67% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $12,692 | 9.29% |
| LOUISVILLE, KY (FHA|USDA|VA) | 7 | $925,000 | $132,143 | $0 | 8.55% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $0 | 6.56% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $0 | 7.22% |
| Payson, AZ (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $0 | 6.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $0 | 8.69% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 6.54% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $0 | 6.17% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $0 | 7.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 5.19% |
| NAPA, CA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 8.50% |
| JACKSON, MS (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $0 | 8.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $6,186 | 6.96% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $0 | 8.92% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $0 | 7.34% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $0 | 5.78% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $0 | 8.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $0 | 8.80% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $21,054 | 9.37% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 6.50% |
| VICTORIA, TX (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $0 | 5.80% |
| Astoria, OR (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 7.38% |
| GREENVILLE, NC (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $0 | 8.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $0 | 6.19% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 6.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,338 | 3.49% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $0 | 8.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $0 | 7.88% |
| NILES, MI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 7.19% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 7.13% |
| Brevard, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 6.38% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 8.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $19,178 | 7.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 4.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 6.87% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 5 | $475,000 | $95,000 | $0 | 8.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $0 | 6.84% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 5.94% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 6.44% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 7.81% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 6.81% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 10.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 6.11% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 8.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 5.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 4.96% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,205 | 7.38% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 7.96% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 5.13% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $0 | 6.29% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 6.31% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 6.56% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 8.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 7.56% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 9.56% |
| Cadillac, MI (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $0 | 7.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 8.38% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 6.38% |
| Safford, AZ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 6.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 7.81% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,500 | 6.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 7.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 12.00% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 8.00% |
| Rockport, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 5.56% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 7.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 6.29% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $0 | 7.33% |
| TYLER, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.50% |
| TULSA, OK (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 7.75% |
| Branson, MO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 6.56% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.74% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 11.00% |
| Outside of Metro Areas | 1 | $285,000 | $285,000 | $0 | 8.75% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.63% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.75% |
| Mount Pleasant, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 4.56% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 5.13% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 8.00% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 5.31% |
| Granbury, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.38% |
| Shelton, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,910 | 7.75% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 10.00% |
| Torrington, CT (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 8.06% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 6.38% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.75% |
| RACINE, WI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 6.00% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 10.75% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 11.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.13% |
| Ozark, AL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 9.00% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 9.81% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.63% |
| Sanford, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.50% |
| Amsterdam, NY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 8.25% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.38% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.63% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 10.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.00% |
| Wilson, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.13% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.25% |
| DuBois, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.75% |
| Oxford, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.99% |
| Beatrice, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.50% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.75% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.50% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.75% |
| DOVER, DE (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 11.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.25% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.50% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 11.00% |
| Defiance, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.63% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.13% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.25% |
| Shelby, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.13% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.00% |
| Roswell, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.75% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.25% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.88% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.25% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.13% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.63% |
| Alpena, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.13% |
| El Campo, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.75% |
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We use machine learning to identify the top lenders compared against AMERICAN HERITAGE LENDING 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 | 1,412 | $399,310,000 | $282,797 | $17,381 | 7.38% |
| FHA | 2 | $760,000 | $380,000 | $13,469 | 4.75% |
For 2022, American Heritage Lending's most frequently originated type of loan was Conventional, with 1,412 originations. Their 2nd most popular type was FHA, with 2 originations.
Loan Reason
For 2022, American Heritage Lending's most frequently cited loan purpose was Cash Out Refi, with 665 originations. The 2nd most popular reason was Home Purchase, with 528 originations.
Loan Duration/Length
For 2022, American Heritage Lending's most frequently cited loan duration was 30 Year, with 1,023 originations. The 2nd most popular length was 1 Year, with 214 originations.
Origination Fees/Closing Costs
American Heritage Lending's average total fees were $17,211, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 71 originations.
Interest Rates
During 2022, American Heritage Lending's average interest rate for loans was 6.89%, while their most frequently originated rate bucket for loans was Over 8%, with 471 originations.
Loan Sizing
2022 saw American Heritage Lending place emphasis on $100k-200k loans with 595 originations, totaling $87,975,000 in origination value.
Applicant Income
American Heritage Lending lent most frequently to those with incomes in the $50k or less range, with 1,159 originations. The second most popular income band? $250k+, with 107 originations.
Applicant Debt to Income Ratio
American Heritage Lending lent most frequently to those with DTI ratios of >60%, with 779 originations. The next most common DTI ratio? <20%, with 76 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.99%
American Heritage Lending has an average approval rate.
Pick Rate
Approvals leading to origination49.65%
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 | 1,414 | $400,070,000 | $282,935 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN PACIFIC MORTGAGE | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |