American Heritage FCU in New Jersey vs the state
39.0%Denial rate+21.26 pts vs state
43.9%Decision denial rate+20.89 pts vs state
49.6%Origination rate-6.10 pts vs state
6.74%Median rate-0.01 pts vs state
0.64Rate spread (pts)+0.36 pts vs state
$123kMedian applicant income
415Loans originated
326Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 590 | 252 | 44.8% | 7.74% | #88 |
| 2024 | 693 | 327 | 40.7% | 7.74% | #83 |
| 2025 | 837 | 415 | 39.0% | 6.74% | #76 |
What American Heritage FCU lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 321 | 159 | 123 | 38.3% |
| Burlington County | 169 | 88 | 62 | 36.7% |
| Gloucester County | 109 | 55 | 41 | 37.6% |
| Atlantic County | 45 | 21 | 18 | 40.0% |
| Ocean County | 43 | 24 | 14 | 32.6% |
| Cape May County | 36 | 21 | 11 | 30.6% |
| Mercer County | 22 | 10 | 11 | 50.0% |
| Middlesex County | 17 | 6 | 8 | 47.1% |
| Monmouth County | 17 | 6 | 8 | 47.1% |
| Cumberland County | 12 | 6 | 6 | 50.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 837 applications in 2025, of which 415 were originated and 326 denied.
39.0% of all applications, or 43.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans American Heritage FCU originated in New Jersey in 2025 was 6.74%, against a statewide median of 6.75%.
About this data. Figures are American Heritage FCU's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology