American Heritage Lending
We analyzed every closed loan from American Heritage Lending — 689 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 18 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
American Heritage Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+133.9 bps above market avg
1/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
558 loans · 1.35% above market
Sound
Top 60% of lenders
3/5
Jumbo
131 loans · 1.26% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
515 loans · 1.27% above market
Sound
Top 60% of lenders
3/5
Refinance
174 loans · 1.51% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 19 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 | 558 | 81.0% | +1.353%Above | $5,300Fees | ||||
Jumbo Loans | 131 | 19.0% | +1.265%Above | $3,972Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume558
Mix81.0%
Spread
+1.353%Above
Fees
$5,300Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume131
Mix19.0%
Spread
+1.265%Above
Fees
$3,972Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 515 | 74.7% | +1.268%Above | $5,180Fees | ||||
Refinance | 174 | 25.3% | +1.512%Above | $4,836Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume515
Mix74.7%
Spread
+1.268%Above
Fees
$5,180Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume174
Mix25.3%
Spread
+1.512%Above
Fees
$4,836Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
689
Applications
1,327
Volume
$384 million
Pricing & Closing
Avg Rate Spread
+1.339%
vs. market APOR
Avg Net Fees
$5,080
Origination − Credits
Pullthrough Rate
51.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$558,222
Avg Borrower Income
$425,627
Avg Property Value
$780,515
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
38Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast6
CTMEMANHNJPA
Midwest7
ILINMIMNMOOHWI
South15
ALARDEFLGAKYLAMDNCOKSCTNTXVAWV
West10
AZCACOIDNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 18 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
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.
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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.