AMERICAN HERITAGE FCU closing costs and rates (2024)
In 2024, AMERICAN HERITAGE FCU originated 278 purchase mortgages at a median interest rate of 6.00% and median total closing costs of $4,423. That is $2,318 below the national median of $6,741. AMERICAN HERITAGE FCU is most active in Pennsylvania with 220 originations there.
Purchase Originations
278
Median Total Costs
$4,423
−34.4% vs national ($6,741)
Median Rate
6.000%
−9.4% vs national (6.620%)
Median Origination
$700
Median Lender Credits
$500
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 273 | 6.000% | $4,387 | $700 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 220 | 6.000% | $4,559 | #96 |
| New Jersey | 39 | 6.250% | $4,034 | — |
| Florida | 4 | 6.000% | $4,792 | — |
| Delaware | 3 | 6.500% | $3,986 | — |
| South Carolina | 2 | 6.562% | $3,795 | — |
| Virginia | 2 | 6.188% | $3,202 | — |
| Arizona | 1 | 5.750% | $3,019 | — |
| Kentucky | 1 | 6.750% | $2,859 | — |
| Maryland | 1 | 7.000% | $2,890 | — |
| Maine | 1 | 6.000% | $2,566 | — |
| Mississippi | 1 | 6.750% | $3,655 | — |
| North Carolina | 1 | 5.750% | $2,618 | — |
| New York | 1 | 5.625% | $5,093 | — |
| Oklahoma | 1 | 6.625% | $3,134 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,566 | 6.000% | — | 1 | −$1,857 | |
| 2 | $2,618 | 5.750% | — | 1 | −$1,805 | |
| 3 | $3,217 | 6.000% | — | 7 | −$1,206 | |
| 4 | $3,388 | 6.188% | — | 4 | −$1,035 | |
| 5 | $3,795 | 6.562% | — | 2 | −$628 | |
| 6 | $3,966 | 6.375% | — | 12 | −$457 | |
| 7 | $4,266 | 5.875% | — | 3 | −$157 | |
| 8 | $4,340 | 6.125% | — | 4 | −$83 | |
| 9 | $4,358 | 6.000% | — | 62 | −$65 | |
| 10 | $4,544 | 6.125% | — | 65 | +$121 | |
| 11 | $4,565 | 6.125% | — | 2 | +$142 | |
| 12 | $4,789 | 5.875% | — | 9 | +$366 | |
| 13 | $4,807 | 5.875% | — | 45 | +$384 | |
| 14 | $4,876 | 6.500% | — | 3 | +$453 | |
| 15 | $4,942 | 5.875% | — | 16 | +$519 | |
| 16 | $5,345 | 6.250% | — | 2 | +$922 | |
| 17 | $5,448 | 6.312% | — | 2 | +$1,025 | |
| 18 | $5,558 | 6.375% | — | 7 | +$1,135 | |
| 19 | $6,100 | 5.875% | — | 4 | +$1,677 | |
| 20 | $6,714 | 4.938% | — | 2 | +$2,291 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.