What loan types does American Heritage FCU offer?

American Heritage FCU offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does American Heritage FCU offer mortgages?

American Heritage FCU offers mortgages in 17 states: AL, AZ, DE, FL, GA, KY, MD, MS, NC, NJ, NY, OK, PA, SC, TN, VA, WV.

What type of lender is American Heritage FCU?

American Heritage FCU is a Credit Union headquartered in Philadelphia, PA.

Unclaimed

American Heritage FCU

Credit Union•Philadelphia, PAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from American Heritage FCU — 410 loans across 493 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

American Heritage FCU performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

393 loans · 0.06% above market

Sound

Top 60% of lenders

3/5

FHA

10 loans · 0.14% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

309 loans · 0.20% below market

Sound

Top 60% of lenders

3/5

Refinance

101 loans · 0.56% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	—	Strong	393	95.9%	+0.060%Above	$307Fees
FHA Loans	Acceptable	Acceptable	—	—	10	2.4%	-0.143%Below	$991Fees

Conventional

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume393

Mix95.9%

Spread

+0.060%Above

Fees

$307Fees

FHA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume10

Mix2.4%

Spread

-0.143%Below

Fees

$991Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	—	Sound	309	75.4%	-0.201%Below	$565Fees
Refinance	Strong	Sound	—	Strong	101	24.6%	+0.561%Above	$175Fees

Purchase

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume309

Mix75.4%

Spread

-0.201%Below

Fees

$565Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume101

Mix24.6%

Spread

+0.561%Above

Fees

$175Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

410

Applications

493

Volume

$125 million

Pricing & Closing

Pullthrough Rate

83.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$306,244

Avg Borrower Income

$151,961

Avg Property Value

$444,707

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

17Full-year 2024 · HMDA

Loans originated

< 1010–5050+None

Northeast3

NJNYPA

South13

ALDEFLGAKYMDMSNCOKSCTNVAWV

West1

Top Metro Areas by Place Specialization Score

Montgomery County, PAMetro

Volume 165Mix 40.24% of portfolio

84/100

Exceptional

Philadelphia, PAMetro

Volume 114Mix 27.80% of portfolio

78/100

Strong

Camden, NJMetro

Volume 36Mix 8.78% of portfolio

60/100

Sound

Atlantic City, NJMetro

Volume 13Mix 3.17% of portfolio

48/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 315Mix 76.83% of portfolio

79/100

Strong

New JerseyState

Volume 58Mix 14.15% of portfolio

61/100

Strong

FloridaState

Volume 10Mix 2.44% of portfolio

35/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of American Heritage FCU?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.