Applications / Mortgage Analytics / Lenders / Pennsylvania / American Heritage Federal Credit Union
Philadelphia, PA · Credit union · NCUA · $5.2 billion assets · 2,354 loans in 2025
American Heritage Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,354
loans originated, 2025
4,476
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Heritage Federal Credit Union is a Pennsylvania lender of small home-improvement and other-purpose loans, and its originations rose 14% in 2025, a little faster than similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Home improvement made up 43.7% of its loans and other purposes 21.7%; purchases were 19.7% and refinances 14.9%. Its typical loan, $80,000 against $115,000, was among the lowest tenth of similar lenders, and jumbo loans (larger than the conforming limit) were 0.6% against 1.3%.
Originations rose 14% to 2,354, against 10% for similar lenders and for the whole market. They peaked at 3,508 in 2021, fell to 1,874 in 2023 and have risen each year since, so 2025 is still below the 3,312 of five years before.
LMI (low- and moderate-income) borrowers took 30.6% of its loans against 27.1%, higher than about seven in ten similar lenders, and 18.3% were in LMI areas against 14.9%, higher than about four in five. Its share in majority-minority areas, 13.6% against 11.2%, was near the middle. Purchase applications were turned down at 3.5% against 6.2%.
It ranks 37 of 784 in Philadelphia-Camden-Wilmington, where it has lent since before 1990. Its share rose to 0.2% from 0.1% in Allentown-Bethlehem-Easton and slipped 0.1 points in Atlantic City-Hammonton and Reading, changes too small to read much into. In 2025 it made its first loans in Janesville-Beloit, Tallahassee and Stockton-Lodi.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Heritage Federal Credit Union took 4,476 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.7% · Other 21.7% · Purchase 19.7% · Refinance 14.9%
Conventional 99.5% · FHA 0.5% · of 2,354 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 1,848 | 78.5% |
| New Jersey | 415 | 17.6% |
| Delaware | 30 | 1.3% |
| Florida | 17 | 0.7% |
| Maryland | 7 | 0.3% |
| South Carolina | 7 | 0.3% |
| Ohio | 6 | 0.3% |
| New York | 5 | 0.2% |
| North Carolina | 4 | 0.2% |
| Virginia | 4 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 1,190 |
| Philadelphia | 518 |
| Camden | 302 |
| Allentown-Bethlehem-Easton | 59 |
| Atlantic City-Hammonton | 42 |
| Lakewood-New Brunswick | 38 |
| Reading | 33 |
| Wilmington | 25 |
| Scranton--Wilkes-Barre | 10 |
| Trenton-Princeton | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N5GF79IZ5Y7G10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 801878 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55621 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American Heritage Federal Credit Union's data.
American Heritage Federal Credit Union's data
$215
American Heritage Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy American Heritage Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]