What loan types does American Heritage Lending offer?

American Heritage Lending offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does American Heritage Lending offer mortgages?

American Heritage Lending 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's mortgage rates?

American Heritage Lending has an overall pricing score of 5.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Heritage Lending?

American Heritage Lending is a Independent Mortgage Company headquartered in NEWARK, DE.

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American Heritage Lending

Independent Mortgage Company•Newark, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from American Heritage Lending — 689 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Near-National · 18 mkts

Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Rates typically 134 basis points above market average
Higher than average fees ($5,080)
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

American Heritage Lending performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+133.9 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 19 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Acceptable	558	81.0%	+1.353%Above	$5,300Fees
Jumbo Loans	Sound	Strong	Mediocre	Sound	131	19.0%	+1.265%Above	$3,972Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume558

Mix81.0%

Spread

+1.353%Above

Fees

$5,300Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume131

Mix19.0%

Spread

+1.265%Above

Fees

$3,972Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Acceptable	515	74.7%	+1.268%Above	$5,180Fees
Refinance	Acceptable	Sound	Mediocre	Acceptable	174	25.3%	+1.512%Above	$4,836Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume515

Mix74.7%

Spread

+1.268%Above

Fees

$5,180Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume174

Mix25.3%

Spread

+1.512%Above

Fees

$4,836Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

689

Applications

1,327

Volume

$384 million

Pricing & Closing

Avg Rate Spread

+1.339%

vs. market APOR

Avg Net Fees

$5,080

Origination − Credits

Pullthrough Rate

51.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$558,222

Avg Borrower Income

$425,627

Avg Property Value

$780,515

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast6

CTMEMANHNJPA

Midwest7

ILINMIMNMOOHWI

South15

ALARDEFLGAKYLAMDNCOKSCTNTXVAWV

West10

AZCACOIDNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© James Willamor · CC BY-SA 3.0

Myrtle Beach, SCMetro

Volume 38Mix 5.52% of portfolio

61/100

Strong

2© Harry Somers from Miami, Florida, USA · CC BY 2.0

Fort Lauderdale, FLMetro

Volume 33Mix 4.79% of portfolio

56/100

Sound

3© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 28Mix 4.06% of portfolio

51/100

Sound

4© Venusetdilecti · CC BY-SA 4.0

Miami, FLMetro

Volume 23Mix 3.34% of portfolio

51/100

Sound

5© Don Ramey Logan · CC BY 4.0

West Palm Beach, FLMetro

Volume 19Mix 2.76% of portfolio

50/100

Sound

6© The Floridian Boricua · CC BY-SA 2.0

Orlando, FLMetro

Volume 23Mix 3.34% of portfolio

50/100

Sound

Houston, TXMetro

Volume 22Mix 3.19% of portfolio

47/100

Sound

San Diego, CAMetro

Volume 17Mix 2.47% of portfolio

46/100

Sound

Riverside, CAMetro

Volume 19Mix 2.76% of portfolio

46/100

Sound

Charlotte, NC-SCMetro

Volume 15Mix 2.18% of portfolio

44/100

Sound

Showing 10 of 18 metro areas

Top States by Place Specialization Score

FloridaState

Volume 186Mix 27.00% of portfolio

65/100

Strong

South CarolinaState

Volume 52Mix 7.55% of portfolio

58/100

Sound

CaliforniaState

Volume 90Mix 13.06% of portfolio

57/100

Sound

TexasState

Volume 77Mix 11.18% of portfolio

55/100

Sound

ConnecticutState

Volume 24Mix 3.48% of portfolio

49/100

Sound

MassachusettsState

Volume 24Mix 3.48% of portfolio

48/100

Sound

ColoradoState

Volume 24Mix 3.48% of portfolio

47/100

Sound

North CarolinaState

Volume 27Mix 3.92% of portfolio

46/100

Sound

GeorgiaState

Volume 22Mix 3.19% of portfolio

45/100

Sound

MichiganState

Volume 19Mix 2.76% of portfolio

44/100

Sound

Showing 10 of 13 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.