AMERICAN HERITAGE LENDING, LLC
4,494 mortgages originated in 2025 across 26 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,494
- Median rate
- 7.500%
- Median lender fees
- $13,658
- Median loan amount
- $215,000
- Median spread over APOR
- 1.128
- Paid discount points
- 8.1%
- Received lender credits
- 6.9%
- Purchases / refinances
- 40.9% / 59.1%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 14.2% of loans here — see methodology.
Where AMERICAN HERITAGE LENDING, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Florida | 621 | $13,380 | 7.375% |
| Texas | 462 | — | 7.625% |
| California | 274 | $16,370 | 7.313% |
| New York | 256 | — | 7.500% |
| Ohio | 253 | — | 7.750% |
| North Carolina | 214 | — | 7.500% |
| Georgia | 174 | — | 7.375% |
| Pennsylvania | 172 | — | 7.750% |
| South Carolina | 160 | — | 7.563% |
| New Jersey | 156 | — | 7.375% |
| Indiana | 138 | — | 7.563% |
| Michigan | 134 | — | 7.375% |
| Tennessee | 129 | — | 7.500% |
| Illinois | 114 | — | 7.500% |
| Missouri | 94 | — | 7.500% |
| Maryland | 91 | — | 7.500% |
| Connecticut | 89 | — | 7.375% |
| Alabama | 88 | — | 7.375% |
| Massachusetts | 77 | — | 7.500% |
| Virginia | 74 | — | 7.375% |
| Colorado | 72 | — | 7.250% |
| Arizona | 72 | — | 7.250% |
| Wisconsin | 72 | — | 7.999% |
| Oklahoma | 64 | — | 7.625% |
| Kentucky | 63 | — | 7.125% |
| Washington | 55 | — | 7.500% |