American Heritage FCU in Pennsylvania vs the state
34.3%Denial rate+16.03 pts vs state
38.5%Decision denial rate+16.29 pts vs state
54.6%Origination rate-6.32 pts vs state
6.74%Median rate+0.12 pts vs state
0.36Rate spread (pts)+0.12 pts vs state
$114kMedian applicant income
1,847Loans originated
1,160Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,087 | 1,548 | 38.0% | 7.74% | #32 |
| 2024 | 3,277 | 1,644 | 38.6% | 7.74% | #35 |
| 2025 | 3,380 | 1,847 | 34.3% | 6.74% | #34 |
What American Heritage FCU lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 989 | 425 | 459 | 46.4% |
| Bucks County | 947 | 603 | 249 | 26.3% |
| Montgomery County | 889 | 513 | 274 | 30.8% |
| Delaware County | 187 | 93 | 71 | 38.0% |
| Chester County | 115 | 73 | 30 | 26.1% |
| Berks County | 64 | 33 | 22 | 34.4% |
| Lehigh County | 56 | 35 | 12 | 21.4% |
| Northampton County | 35 | 18 | 9 | 25.7% |
| Carbon County | 12 | 6 | 3 | 25.0% |
| Lancaster County | 12 | 8 | 3 | 25.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 3,380 applications in 2025, of which 1,847 were originated and 1,160 denied.
34.3% of all applications, or 38.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Heritage FCU originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology