American Heritage Lending, LLC mortgage approval rate & lending review
American Heritage Lending, LLC decided 13,897 mortgage applications and funded 9,969 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Heritage Lending, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Heritage Lending, LLC at a glance
Approval is 9.4 points above the 79.5% 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 | 91% | 1,288 / 1,409 | 81% | $435K | 1,040 |
| Cash-out refinance | 93% | 644 / 694 | 71% | $425K | 456 |
| Refinance | 83% | 111 / 133 | 70% | $675K | 78 |
| Investment property purchase | 89% | 3,998 / 4,468 | 85% | $205K | 3,386 |
| Investment cash-out refinance | 89% | 4,504 / 5,037 | 81% | $175K | 3,647 |
| Investment refinance | 88% | 1,809 / 2,055 | 75% | $215K | 1,362 |
| Investment home improvement | 0% | 0 / 88 | — | — | 0 |
American Heritage Lending, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 89% | $295K | 2,636 | 1,888 |
| Texas | 90% | $205K | 1,433 | 1,027 |
| California | 87% | $525K | 829 | 580 |
| Maryland | 81% | $155K | 629 | 427 |
| North Carolina | 93% | $175K | 613 | 483 |
| Ohio | 90% | $125K | 610 | 450 |
| Pennsylvania | 87% | $155K | 588 | 432 |
| Georgia | 84% | $165K | 587 | 394 |
| New York | 86% | $155K | 557 | 337 |
| South Carolina | 93% | $155K | 546 | 424 |
| Michigan | 85% | $105K | 449 | 290 |
| New Jersey | 89% | $415K | 436 | 300 |
| Illinois | 88% | $185K | 410 | 289 |
| Tennessee | 93% | $125K | 340 | 268 |
| Indiana | 80% | $115K | 289 | 173 |
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 Lending, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Horry County, SC | Investment property purchase | 92% | 237 | 190 |
| Baltimore County, MD | Investment cash-out refinance | 86% | 134 | 103 |
| Baltimore city, MD | Investment cash-out refinance | 86% | 134 | 103 |
| Wayne County, MI | Investment cash-out refinance | 87% | 133 | 89 |
| Milwaukee County, WI | Investment cash-out refinance | 95% | 109 | 89 |
| Miami-Dade County, FL | Investment property purchase | 91% | 111 | 85 |
| Cook County, IL | Investment cash-out refinance | 93% | 112 | 85 |
| Philadelphia County, PA | Investment cash-out refinance | 87% | 101 | 74 |
| Broward County, FL | Investment property purchase | 78% | 102 | 70 |
| Osceola County, FL | Investment property purchase | 97% | 99 | 69 |
| Harris County, TX | Investment cash-out refinance | 92% | 90 | 68 |
| Monroe County, NY | Investment property purchase | 97% | 86 | 67 |
The county markets where American Heritage Lending, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about American Heritage Lending, LLC
What is American Heritage Lending, LLC's mortgage approval rate?
American Heritage Lending, LLC approved 88.9% of the 13,897 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 79.5% national rate for the same mix of loan types.
How often do borrowers take the loan American Heritage Lending, LLC offers?
Borrowers accepted 81% of the loans American Heritage Lending, LLC approved, against 92% for all investment cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Heritage Lending, LLC make?
The typical investment cash-out refinance loan American Heritage Lending, LLC made was $175K; across all loan types its typical loan ran from $175K to $675K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Heritage Lending, LLC lend?
American Heritage Lending, LLC decided applications in 48 of the states Fat Boy Data covers, most of them in Florida, Texas and California.
Can I apply to American Heritage Lending, LLC directly?
Yes. American Heritage Lending, LLC reports as a direct lender that takes applications from borrowers.
Does this page show American Heritage Lending, LLC'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 Lending, LLC treats applications, then get a rate quote from the lender.