American Heritage FCU in Virginia vs the state
50.0%Denial rate+34.06 pts vs state
50.0%Decision denial rate+29.75 pts vs state
50.0%Origination rate-9.52 pts vs state
6.26%Median rate-0.36 pts vs state
0.02Rate spread (pts)-0.20 pts vs state
$200kMedian applicant income
4Loans originated
4Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 1 | 60.0% | 9.49% | #657 |
| 2024 | 9 | 4 | 33.3% | 6.81% | #569 |
| 2025 | 8 | 4 | 50.0% | 6.26% | #594 |
What American Heritage FCU lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 2 | 0 | 2 | 100.0% |
| Campbell County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Virginia Beach city | 1 | 1 | 0 | 0.0% |
| Loudoun County | 1 | 0 | 1 | 100.0% |
| New Kent County | 1 | 1 | 0 | 0.0% |
| Roanoke County | 1 | 0 | 1 | 100.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 8 applications in 2025, of which 4 were originated and 4 denied.
50.0% of all applications, or 50.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans American Heritage FCU originated in Virginia in 2025 was 6.26%, against a statewide median of 6.63%.
About this data. Figures are American Heritage FCU's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology