American Heritage Lending in Florida vs the state
6.7%Denial rate-14.40 pts vs state
9.0%Decision denial rate-18.26 pts vs state
48.7%Origination rate-4.02 pts vs state
7.38%Median rate+0.75 pts vs state
1.00Rate spread (pts)+0.73 pts vs state
$238kMedian applicant income
621Loans originated
85Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,248 | 625 | 6.3% | 8.63% | #125 |
| 2024 | 1,356 | 690 | 9.2% | 7.88% | #115 |
| 2025 | 1,276 | 621 | 6.7% | 7.38% | #129 |
What American Heritage Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 136 | 57 | 8 | 5.9% |
| Broward County | 128 | 52 | 13 | 10.2% |
| Pinellas County | 79 | 42 | 9 | 11.4% |
| Palm Beach County | 74 | 37 | 7 | 9.5% |
| Hillsborough County | 72 | 35 | 4 | 5.6% |
| Lee County | 69 | 33 | 7 | 10.1% |
| Orange County | 64 | 33 | 3 | 4.7% |
| Sarasota County | 54 | 26 | 4 | 7.4% |
| Citrus County | 54 | 27 | 5 | 9.3% |
| Marion County | 47 | 29 | 1 | 2.1% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,276 applications in 2025, of which 621 were originated and 85 denied.
6.7% of all applications, or 9.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Heritage Lending originated in Florida in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology