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 score and performance metrics.

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 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, LLC?

AMERICAN HERITAGE LENDING, LLC is a Independent Mortgage Company headquartered in NEWARK, DE.

Unclaimed

American Heritage Lending, LLC

Independent Mortgage Company•NEWARK, DE•Direct to Consumer

We analyzed every closed loan from American Heritage Lending — 689 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Strong

Conventional · Jumbo

Place

Sound

Near-National · 18 mkts

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Safe Rate's 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

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Report Card

American Heritage Lending, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +133.9 bps above market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National19 markets

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	Acceptable	Strong	Mediocre	Sound	131	19.0%	+1.265%Above	$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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTDEFLGAIDILINKYLAMAMDMEMIMNMONCNHNJNMNVOHOKORPASCTNTXUTVAWAWIWVWY

Top Metro Areas by Place Specialization Score

Myrtle Beach, SCMSA

Volume: 38Mix: 5.52%of portfolio

Place

Strong

Fort Lauderdale, FLMSA

Volume: 33Mix: 4.79%of portfolio

Place

Sound

Los Angeles, CAMSA

Volume: 28Mix: 4.06%of portfolio

Place

Sound

Miami, FLMSA

Volume: 23Mix: 3.34%of portfolio

Place

Sound

West Palm Beach, FLMSA

Volume: 19Mix: 2.76%of portfolio

Place

Sound

Orlando, FLMSA

Volume: 23Mix: 3.34%of portfolio

Place

Sound

Houston, TXMSA

Volume: 22Mix: 3.19%of portfolio

Place

Sound

San Diego, CAMSA

Volume: 17Mix: 2.47%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 19Mix: 2.76%of portfolio

Place

Sound

Charlotte, NC-SCMSA

Volume: 15Mix: 2.18%of portfolio

Place

Sound

Showing 10 of 18 metro areas

Top States by Place Specialization Score

FLState

Volume: 186Mix: 27.00%of portfolio

Place

Strong

SCState

Volume: 52Mix: 7.55%of portfolio

Place

Sound

CAState

Volume: 90Mix: 13.06%of portfolio

Place

Sound

TXState

Volume: 77Mix: 11.18%of portfolio

Place

Sound

CTState

Volume: 24Mix: 3.48%of portfolio

Place

Sound

MAState

Volume: 24Mix: 3.48%of portfolio

Place

Sound

COState

Volume: 24Mix: 3.48%of portfolio

Place

Sound

NCState

Volume: 27Mix: 3.92%of portfolio

Place

Sound

GAState

Volume: 22Mix: 3.19%of portfolio

Place

Sound

MIState

Volume: 19Mix: 2.76%of portfolio

Place

Sound

Showing 10 of 13 states

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.