American Heritage Lending in Pennsylvania vs the state
10.4%Denial rate-7.86 pts vs state
14.4%Decision denial rate-7.77 pts vs state
46.0%Origination rate-14.97 pts vs state
7.75%Median rate+1.13 pts vs state
0.98Rate spread (pts)+0.74 pts vs state
$77kMedian applicant income
172Loans originated
39Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 267 | 148 | 7.5% | 10.00% | #232 |
| 2024 | 248 | 132 | 10.5% | 8.56% | #241 |
| 2025 | 374 | 172 | 10.4% | 7.75% | #202 |
What American Heritage Lending lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 112 | 44 | 12 | 10.7% |
| Allegheny County | 60 | 38 | 4 | 6.7% |
| Luzerne County | 28 | 14 | 8 | 28.6% |
| Delaware County | 27 | 13 | 1 | 3.7% |
| Dauphin County | 17 | 6 | 3 | 17.6% |
| Montgomery County | 14 | 7 | 1 | 7.1% |
| Berks County | 12 | 6 | 0 | 0.0% |
| York County | 11 | 7 | 0 | 0.0% |
| Schuylkill County | 11 | 6 | 0 | 0.0% |
| Lackawanna County | 9 | 2 | 0 | 0.0% |
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: 374 applications in 2025, of which 172 were originated and 39 denied.
10.4% of all applications, or 14.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Heritage Lending originated in Pennsylvania in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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