American Heritage FCU in California vs the state
71.4%Denial rate+54.01 pts vs state
71.4%Decision denial rate+49.03 pts vs state
28.6%Origination rate-27.63 pts vs state
6.74%Median rate+0.12 pts vs state
-0.05Rate spread (pts)-0.32 pts vs state
$160kMedian applicant income
2Loans originated
5Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 0 | 83.3% | — | #809 |
| 2024 | 10 | 0 | 100.0% | — | #724 |
| 2025 | 7 | 2 | 71.4% | 6.74% | #768 |
What American Heritage FCU lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2 | 0 | 2 | 100.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| San Diego County | 1 | 0 | 1 | 100.0% |
| San Francisco County | 1 | 1 | 0 | 0.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
| San Joaquin County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 7 applications in 2025, of which 2 were originated and 5 denied.
71.4% of all applications, or 71.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Heritage FCU originated in California in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are American Heritage FCU's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology