American Heritage FCU mortgage approval rate & lending review
American Heritage FCU decided 7,520 mortgage applications and funded 4,707 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Heritage FCU reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Heritage FCU at a glance
Approval is 6.3 points below the 69.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 82% | 1,109 / 1,351 | 100% | $275K | 1,105 |
| Home improvement loans | 58% | 2,620 / 4,480 | 99% | $55K | 2,601 |
| Cash-out refinance | 90% | 146 / 163 | 99% | $225K | 145 |
| Refinance | 63% | 580 / 924 | 100% | $75K | 578 |
| Investment property purchase | 66% | 115 / 174 | 97% | $195K | 111 |
| Investment cash-out refinance | 70% | 48 / 69 | 100% | $155K | 48 |
| Investment refinance | 56% | 34 / 61 | 100% | $65K | 34 |
| Investment home improvement | 29% | 85 / 298 | 100% | $55K | 85 |
American Heritage FCU lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 64% | $55K | 6,061 | 3,854 |
| New Jersey | 61% | $55K | 1,090 | 662 |
| Delaware | 51% | $65K | 115 | 59 |
| Florida | 71% | $105K | 78 | 54 |
| New York | 27% | $205K | 22 | 6 |
| Maryland | 45% | $25K | 20 | 9 |
| South Carolina | 75% | $135K | 20 | 15 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where American Heritage FCU lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, PA | Home improvement loans | 69% | 1,010 | 694 |
| Bucks County, PA | Home improvement loans | 73% | 948 | 684 |
| Philadelphia County, PA | Home improvement loans | 39% | 1,180 | 460 |
| Bucks County, PA | Mortgage lenders | 83% | 317 | 261 |
| Montgomery County, PA | Mortgage lenders | 84% | 303 | 253 |
| Philadelphia County, PA | Mortgage lenders | 78% | 294 | 229 |
| Camden County, NJ | Home improvement loans | 58% | 321 | 184 |
| Bucks County, PA | Refinance | 72% | 230 | 164 |
| Montgomery County, PA | Refinance | 69% | 214 | 146 |
| Philadelphia County, PA | Refinance | 50% | 210 | 105 |
| Delaware County, PA | Home improvement loans | 57% | 175 | 100 |
| Burlington County, NJ | Home improvement loans | 64% | 124 | 79 |
The county markets where American Heritage FCU made the most loans. Each link opens that market with every lender ranked.
Questions about American Heritage FCU
What is American Heritage FCU's mortgage approval rate?
American Heritage FCU approved 63.0% of the 7,520 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.3 points below the 69.3% national rate for the same mix of loan types.
How often do borrowers take the loan American Heritage FCU offers?
Borrowers accepted 99% of the loans American Heritage FCU approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Heritage FCU make?
The typical home improvement loan loan American Heritage FCU made was $55K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Heritage FCU lend?
American Heritage FCU decided applications in 35 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to American Heritage FCU directly?
Yes. American Heritage FCU is a bank or credit union with 36 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Heritage FCU's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how American Heritage FCU treats applications, then get a rate quote from the lender.