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.

Looking for a different lender?

AMERICAN HERITAGE LENDING, LLC

Independent Mortgage Company|NEWARK, DE|Near-National

Loans Originated

689

Applications

1,327

Volume

$384 million

Offers loans directly to consumers

Overall Pricing

Mediocre

Overall Pull Through

Acceptable

Pricing and Pullthrough Overview

Average Rate Spread

+1.339%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$5,080

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

51.9%

Percentage of applications that result in closed loans

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

Report Card

AMERICAN HERITAGE LENDING, LLC performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Mediocre	Below peers
Pull Through Closing Strength	Acceptable	Near industry average
Products Loan Type Specialists		Specialization score by loan product
Conventional	Sound	Industry Standard
Jumbo	Strong	Highly Competitive
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Sound	Industry Standard
Refinance	Sound	Industry Standard
Places Geographic coverage	Sound	Near-National · 19 metro areas · 38 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$558,222

Average Borrower Income

$425,627

Average Property Value

$780,515

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%	$5,300
Jumbo Loans	Acceptable	Strong	Mediocre	Sound	131	19.0%	+1.265%	$3,972

Performance by Loan Purpose

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

Geographic Coverage

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%

Place Specialization

Strong

Fort Lauderdale, FLMSA

Volume: 33Mix: 4.79%

Place Specialization

Sound

Los Angeles, CAMSA

Volume: 28Mix: 4.06%

Place Specialization

Sound

Miami, FLMSA

Volume: 23Mix: 3.34%

Place Specialization

Sound

West Palm Beach, FLMSA

Volume: 19Mix: 2.76%

Place Specialization

Sound

Orlando, FLMSA

Volume: 23Mix: 3.34%

Place Specialization

Sound

Houston, TXMSA

Volume: 22Mix: 3.19%

Place Specialization

Sound

San Diego, CAMSA

Volume: 17Mix: 2.47%

Place Specialization

Sound

Riverside, CAMSA

Volume: 19Mix: 2.76%

Place Specialization

Sound

Charlotte, NC-SCMSA

Volume: 15Mix: 2.18%

Place Specialization

Sound

Showing 10 of 18 metro areas

Top States by Place Specialization Score

FLState

Volume: 186Mix: 27.00%

Place Specialization

Strong

SCState

Volume: 52Mix: 7.55%

Place Specialization

Sound

CAState

Volume: 90Mix: 13.06%

Place Specialization

Sound

TXState

Volume: 77Mix: 11.18%

Place Specialization

Sound

CTState

Volume: 24Mix: 3.48%

Place Specialization

Sound

MAState

Volume: 24Mix: 3.48%

Place Specialization

Sound

COState

Volume: 24Mix: 3.48%

Place Specialization

Sound

NCState

Volume: 27Mix: 3.92%

Place Specialization

Sound

GAState

Volume: 22Mix: 3.19%

Place Specialization

Sound

MIState

Volume: 19Mix: 2.76%

Place Specialization

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.

Ready to Get Started?

Compare AMERICAN HERITAGE LENDING, LLC with other lenders or get personalized recommendations.

Compare Lenders