Lender in Pennsylvania · HMDA 2025
American Heritage FCU mortgages in Pennsylvania
American Heritage FCU's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
American Heritage FCU originated 338 owner-occupied single-family loans in Pennsylvania from 367 completed applications.
Its median conventional purchase loan costs were $4,170 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.25% (Pennsylvania: 6.625%).
Loans in PA
338
of 367 applications
Denial rate
3.3%
Purchase · PA 6.7%
Rate spread
−0.28 pts
Conv. · PA +0.17 pts
Loan amount
$325,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 275 | 266 | 3.3% | 6.250% | −0.28 pts | $4,170 | $325,000 |
| Refinance | 49 | 34 | 30.6% | — | −0.21 pts | $350 | $175,000 |
| Cash-out refinance | 43 | 38 | 9.3% | — | −0.14 pts | $3,960 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where American Heritage FCU ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bucks County | 16 | 94 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology