# AMERICAN HERITAGE LENDING, LLC

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


> **📋 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 LENDING, LLC is a independent mortgage company, headquartered in NEWARK, DE, serving borrowers across 38 states, with 689 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 95% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ZPSJZO10ZAX556
- **Headquarters:** NEWARK, DE
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 19
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 5/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.339%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,080
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 689
- **Dollar Volume:** $385 million
- **Applications Received:** 1,327
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $558,222
- **Average Borrower Income:** $425,627
- **Average Property Value:** $780,515

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 558 | +1.353% | $5,300 | Sound ☺️ |
| Jumbo | 78/100 | 131 | +1.265% | $3,972 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 422 loans, Score: 54/100 (Sound)
- Refinance: 136 loans, Score: 54/100 (Sound)

**Jumbo:**
- Purchase: 93 loans, Score: 77/100 (Strong)
- Refinance: 38 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 515 | $284M | +1.268% | Sound ☺️ |
| Refinance | 56/100 | 174 | $101M | +1.512% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 186 | 0.06% | 65/100 |
| CA | 90 | 0.03% | 57/100 |
| TX | 77 | 0.02% | 55/100 |
| SC | 52 | 0.06% | 58/100 |
| NC | 27 | 0.02% | 46/100 |
| CO | 24 | 0.03% | 47/100 |
| CT | 24 | 0.07% | 49/100 |
| MA | 24 | 0.04% | 48/100 |
| GA | 22 | 0.02% | 45/100 |
| MI | 19 | 0.02% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Myrtle Beach | SC | 38 | 61/100 |
| Fort Lauderdale | FL | 33 | 56/100 |
| Non |  | 31 | 34/100 |
| Los Angeles | CA | 28 | 51/100 |
| Miami | FL | 23 | 51/100 |
| Orlando | FL | 23 | 50/100 |
| Houston | TX | 22 | 47/100 |
| Riverside | CA | 19 | 46/100 |
| West Palm Beach | FL | 19 | 50/100 |
| San Diego | CA | 17 | 46/100 |
| Dallas | TX | 16 | 43/100 |
| Charlotte | NC-SC | 15 | 44/100 |
| Denver | CO | 15 | 44/100 |
| Atlanta | GA | 14 | 42/100 |
| Tampa, FL | FL | 13 | 43/100 |

## Frequently Asked Questions

### What loan types does AMERICAN HERITAGE LENDING, LLC offer?

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

### Where does AMERICAN HERITAGE LENDING, LLC offer mortgages?

AMERICAN HERITAGE LENDING, LLC offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY.

### How competitive are AMERICAN HERITAGE LENDING, LLC's mortgage rates?

AMERICAN HERITAGE LENDING, LLC has a pricing score of 5/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.339% above market average.

### What type of lender is AMERICAN HERITAGE LENDING, LLC?

AMERICAN HERITAGE LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in NEWARK, DE.

### What is AMERICAN HERITAGE LENDING, LLC's loan approval success rate?

AMERICAN HERITAGE LENDING, LLC has a pull-through score of 32/100 (Acceptable). 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-lending

### How to Cite

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

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