American Heritage FCU at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
10th40.5% deniedPricingmedian rate spread over APOR, weight 30%
26th0.44 ptsProcesswithdrawn + incomplete share, weight 15%
57th11.3%Closing coststotal loan costs ÷ loan amount, weight 10%
9th5.50% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 3,909 | 1,874 | 39.9% | 45.2% | 7.74% | $205M |
| 2024 | 4,234 | 2,066 | 39.8% | 44.8% | 7.74% | $275M |
| 2025 | 4,476 | 2,354 | 36.0% | 40.5% | 6.74% | $346M |
What American Heritage FCU lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 2,364 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 268 investment properties.
Why American Heritage FCU denies applications
Primary reason reported for each of the 1,609 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American Heritage FCU
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 496 | 107 | 75.9% |
| $50k – $100k | 1,302 | 604 | 48.3% |
| $100k – $150k | 1,041 | 601 | 36.4% |
| $150k – $250k | 1,092 | 697 | 25.8% |
| Over $250k | 460 | 296 | 24.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 22 | 12 | 36.8% |
| 25–34 | 416 | 209 | 43.4% |
| 35–44 | 935 | 468 | 43.2% |
| 45–54 | 1,105 | 590 | 40.7% |
| 55–64 | 1,071 | 586 | 39.2% |
| 65–74 | 640 | 330 | 39.7% |
| Over 74 | 234 | 125 | 38.2% |
Where American Heritage FCU lends
31 states and 182 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 3,380 | 1,847 | 34.3% | 6.74% | #34 |
| New Jersey | 837 | 415 | 39.0% | 6.74% | #76 |
| Delaware | 69 | 30 | 37.7% | 6.74% | #100 |
| Florida | 32 | 17 | 31.3% | 6.63% | #680 |
| Maryland | 23 | 7 | 47.8% | 6.74% | #394 |
| North Carolina | 22 | 4 | 63.6% | 5.87% | #516 |
| Ohio | 18 | 6 | 55.6% | 6.74% | #540 |
| New York | 16 | 5 | 56.3% | 6.49% | #427 |
| South Carolina | 16 | 7 | 25.0% | 6.74% | #478 |
| Virginia | 8 | 4 | 50.0% | 6.26% | #594 |
| California | 7 | 2 | 71.4% | 6.74% | #768 |
| Texas | 7 | 0 | 100.0% | — | #1,017 |
| Connecticut | 6 | 2 | 50.0% | 8.12% | #433 |
| Georgia | 6 | 0 | 50.0% | — | #738 |
| Arizona | 5 | 2 | 40.0% | 7.12% | #600 |
Frequently asked questions
American Heritage FCU denied 40.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of home-equity (HELOC) lenders.
The most common reason American Heritage FCU gave in 2025 was "other", cited on 41.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American Heritage FCU originated in 2025 was 6.74%, and its median rate spread over the average prime offer rate was 0.44 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 15% of its applications were for home purchases, 13% for refinancing (including cash-out), and 72% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.