American Heritage Lending in California vs the state
10.1%Denial rate-7.37 pts vs state
14.2%Decision denial rate-8.22 pts vs state
45.9%Origination rate-10.30 pts vs state
7.31%Median rate+0.69 pts vs state
0.90Rate spread (pts)+0.63 pts vs state
$277kMedian applicant income
274Loans originated
60Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 279 | 127 | 10.0% | 8.63% | #297 |
| 2024 | 447 | 216 | 5.6% | 7.88% | #259 |
| 2025 | 597 | 274 | 10.1% | 7.31% | #235 |
What American Heritage Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 156 | 70 | 18 | 11.5% |
| San Diego County | 80 | 31 | 5 | 6.3% |
| Orange County | 60 | 22 | 8 | 13.3% |
| Riverside County | 53 | 18 | 5 | 9.4% |
| San Bernardino County | 39 | 22 | 3 | 7.7% |
| Fresno County | 20 | 13 | 0 | 0.0% |
| Santa Barbara County | 20 | 8 | 4 | 20.0% |
| Sacramento County | 17 | 8 | 1 | 5.9% |
| Kern County | 15 | 9 | 2 | 13.3% |
| Contra Costa County | 15 | 6 | 2 | 13.3% |
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: 597 applications in 2025, of which 274 were originated and 60 denied.
10.1% of all applications, or 14.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Heritage Lending originated in California in 2025 was 7.31%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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