American Heritage Bank
American Heritage Bank received 294 applications in 2025 and made 191 mortgages, in 18 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 277 decisions, 52 were denials — 18.8%, most often for credit history.
| Legal Entity Identifier | 5493007LU04D28P9RD79 |
|---|---|
| Applications received | 294 |
| Mortgages made | 191 |
| Denied | 52 |
| Approved, not taken up | 34 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: American Heritage Bank, 24 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 127 | Not published | $185,000 | 17.8% |
| Refinancing | 41 | Not published | $155,000 | 15.5% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 19 | Not published | $65,000 | 32.4% |
Where American Heritage Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tulsa County, OK | 70 | Not published | 6.3% |
| Creek County, OK | 67 | Not published | 17.1% |
| Osage County, OK | 13 | Not published | 34.8% |
| Pawnee County, OK | 10 | Not published | 27.3% |
| Okmulgee County, OK | 8 | Under 10 loans | 33.3% |
| Washington County, OK | 8 | Under 10 loans | 27.3% |
| Rogers County, OK | 3 | Under 10 loans | 0.0% |
| Wagoner County, OK | 3 | Under 10 loans | 25.0% |
| Payne County, OK | 2 | Under 10 loans | 62.5% |
| Pope County, AR | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Bryan County, OK | 1 | Under 10 loans | 0.0% |
| Cherokee County, OK | 1 | Under 10 loans | 0.0% |
| Delaware County, OK | 1 | Under 10 loans | 0.0% |
| Latimer County, OK | 1 | Under 10 loans | 0.0% |
| Pittsburg County, OK | 1 | Under 10 loans | 50.0% |
| Pontotoc County, OK | 0 | Under 10 loans | 100.0% |
| Montgomery County, PA | 0 | Under 10 loans | Not published |
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When American Heritage Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.