# AMERICAN HERITAGE FCU

> **Canonical URL:** https://saferate.com/lenders/american-heritage-fcu


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AMERICAN HERITAGE FCU is a credit union, headquartered in Philadelphia, PA, serving borrowers across 17 states, with 410 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300N5GF79IZ5Y7G10
- **Headquarters:** Philadelphia, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AL, AZ, DE, FL, GA, KY, MD, MS, NC, NJ, NY, OK, PA, SC, TN, VA, WV
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 410
- **Dollar Volume:** $126 million
- **Applications Received:** 493
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $306,244
- **Average Borrower Income:** $151,961
- **Average Property Value:** $444,707

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 393 | +0.060% | $307 | Sound ☺️ |
| FHA | 34/100 | 10 | -0.143% | $991 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 301 loans, Score: 54/100 (Sound)
- Refinance: 92 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 309 | $100M | -0.201% | Sound ☺️ |
| Refinance | 58/100 | 101 | $25M | +0.561% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 315 | 0.26% | 79/100 |
| NJ | 58 | 0.07% | 61/100 |
| FL | 10 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 165 | 84/100 |
| Philadelphia, PA | PA | 114 | 78/100 |
| Camden, NJ | NJ | 36 | 60/100 |
| Non |  | 14 | 25/100 |
| Atlantic City | NJ | 13 | 48/100 |

## Where This Lender Ranks

AMERICAN HERITAGE FCU appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Philadelphia, PA for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Pennsylvania for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Camden, NJ for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Pennsylvania Credit Unions
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Pennsylvania for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Montgomery County Credit Unions
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Montgomery County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Philadelphia, PA Credit Unions
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Philadelphia, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Atlantic City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does AMERICAN HERITAGE FCU offer?

AMERICAN HERITAGE FCU offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN HERITAGE FCU offer mortgages?

AMERICAN HERITAGE FCU offers mortgages in 17 states: AL, AZ, DE, FL, GA, KY, MD, MS, NC, NJ, NY, OK, PA, SC, TN, VA, WV.

### What type of lender is AMERICAN HERITAGE FCU?

AMERICAN HERITAGE FCU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Philadelphia, PA.

### What is AMERICAN HERITAGE FCU's loan approval success rate?

AMERICAN HERITAGE FCU has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-heritage-fcu

### How to Cite

> "AMERICAN HERITAGE FCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-heritage-fcu

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