American Heritage National Bank
American Heritage National Bank received 68 applications in 2025 and made 64 mortgages, in 19 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $320,000. Of 68 decisions, 3 were denials — 4.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300G3WIMVDYUYQC27 |
|---|---|
| Applications received | 68 |
| Mortgages made | 64 |
| Denied | 3 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: American Heritage National Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 47 | Not published | $365,000 | 4.0% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 0.0% |
Where American Heritage National Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stearns County, MN | 24 | Not published | 3.9% |
| Todd County, MN | 7 | Under 10 loans | 12.5% |
| Benton County, MN | 6 | Under 10 loans | 0.0% |
| Sherburne County, MN | 4 | Under 10 loans | 0.0% |
| Douglas County, MN | 3 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Wright County, MN | 3 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 2 | Under 10 loans | 0.0% |
| Morrison County, MN | 2 | Under 10 loans | 33.3% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Lake of the Woods County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
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When American Heritage National 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.