Lender profile · HMDA 2023–2025
American Heritage FCU mortgage approval rates & lending data
American Heritage FCU decided 7,520 mortgage applications and funded 4,707 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| North Carolina | 58% | $145K | 19 | 11 |
| Ohio | 57% | $55K | 14 | 8 |
| California | 15% | $255K | 13 | 2 |
| Connecticut | 56% | $105K | 9 | 5 |
| Georgia | 38% | $165K | 8 | 3 |
| Arizona | 57% | $165K | 7 | 4 |
| Texas | 0% | — | 6 | 0 |
| Virginia | 50% | $335K | 6 | 3 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.