AMERICAN HERITAGE FCU received 4,475 applications in 2025 and made
2,353 mortgages, in 182 counties across 30 states.
The median rate its borrowers got was 6.740% on a median loan of $75,000.
Of 3,971 decisions, 1,609 were denials — 40.5%, most often for other.
6 of its applications carried no county and are counted here but on no county page.
Legal Entity Identifier
549300N5GF79IZ5Y7G10
Applications received
4,475
Mortgages made
2,353
Denied
1,609
Approved, not taken up
9
Withdrawn or incomplete
504
Loans bought from other lenders
0
Median rate spread over the prime offer rate
0.44 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
462
6.250%
$305,000
17.9%
Refinancing
277
6.740%
$95,000
35.4%
Cash-out refinancing
74
6.295%
$285,000
12.8%
Other purposes
1,540
6.740%
$55,000
46.5%
Where AMERICAN HERITAGE FCU lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When AMERICAN HERITAGE FCU’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.