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AMERICAN HERITAGE FCU
Credit Union|Philadelphia, PA|Multi-Region
Loans Originated
410
Applications
493
Volume
$125 million
Offers loans directly to consumers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
83.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
AMERICAN HERITAGE FCU performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 5 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$306,244
Average Borrower Income
$151,961
Average Property Value
$444,707
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Strong | 393 | 95.9% | +0.060% | $307 |
FHA Loans | Acceptable | Acceptable | N/A | N/A | 10 | 2.4% | -0.143% | $991 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Sound | 309 | 75.4% | -0.201% | $565 |
Refinance | Sound | Sound | N/A | Strong | 101 | 24.6% | +0.561% | $175 |
Geographic Coverage
Metro Areas
4
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZDEFLGAKYMDMSNCNJNYOKPASCTNVAWV
Top Metro Areas by Place Specialization Score
1
Montgomery County, PAMSA
Volume: 165Mix: 40.24%
Place Specialization
Exceptional
2
Philadelphia, PA, PAMSA
Volume: 114Mix: 27.80%
Place Specialization
Strong
3
Camden, NJ, NJMSA
Volume: 36Mix: 8.78%
Place Specialization
Sound
4
Atlantic City, NJMSA
Volume: 13Mix: 3.17%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 315Mix: 76.83%
Place Specialization
Strong
2
NJState
Volume: 58Mix: 14.15%
Place Specialization
Strong
3
FLState
Volume: 10Mix: 2.44%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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