PlainLender

American Heritage Bank

Sapulpa, OK

American Heritage Bank processed 292 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 204 loans with a 15.8% denial rate. Home Purchase was the primary loan purpose. Based in Sapulpa, OK. The approval rate of 69.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. American Heritage Bank processed 292 HMDA-reported mortgage applications in 2024, originating 204 loans and denying 46 for a denial rate of 15.8% (applicants themselves withdrew 8 files before a decision). The average loan amount was $193,288. The lender reports under LEI 5493007LU04D28P9RD79 from Sapulpa, OK.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. American Heritage Bank's 69.9% origination rate tells you how often an application turned into funded money; the 15.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (288 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

292
Applications
204
Originated
15.8%
Denial Rate
$193,288
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 288 204 43 $194,722
FHA 2 0 2 $130,000
USDA 2 0 1 $50,000

Top loan types — American Heritage Bank

Top loan types — American Heritage Bank Horizontal bar chart of the top 3 items by value (applications). Top loan types — American Heritage Bank Top 3 1. Conventional 288 2. FHA 2 3. USDA 2 Top 5 loan types by application volume at American Heritage Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for American Heritage Bank (LEI: 5493007LU04D28P9RD79) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
25
Debt-to-income ratio
17
Collateral
4
Insufficient cash
3
Credit application incomplete
2
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 188 143 $226,011
Refinancing 37 23 $195,811
Home Improvement 31 19 $78,871
Other 30 13 $101,667
Cash-out Refinancing 6 6 $201,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 179 69.8% 15.6%
Joint 32 59.4% 15.6%
American Indian or Alaska Native 20 55.0% 35.0%
Asian 2 50.0% 50.0%
Black or African American 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 217 68.7% 16.6%
Hispanic or Latino 6 66.7% 16.7%
Joint 6 33.3% 33.3%

Nearby Lenders in OK

Other HMDA-reporting lenders in OK with similar activity. Compare any two side-by-side.

ARVEST BANK

TULSA, OK

20,066 apps 12,946 originated 16.2% denied

MidFirst Bank

Oklahoma City, OK

14,527 apps 1,920 originated 2.8% denied

GATEWAY FIRST BANK

JENKS, OK

13,103 apps 8,366 originated 4.3% denied

FINANCE OF AMERICA REVERSE LLC

TULSA, OK

12,910 apps 8,638 originated 8.3% denied

BOKF NA

TULSA, OK

11,220 apps 5,852 originated 27.4% denied
Compare American Heritage Bank vs ARVEST BANK →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did American Heritage Bank process?
American Heritage Bank processed 292 mortgage applications in the 2023 HMDA reporting year. Of these, 204 were originated (approved and funded), 8 were withdrawn by the applicant, and 46 were denied.
What is American Heritage Bank's mortgage approval rate?
American Heritage Bank has an approval (origination) rate of 69.9%, meaning 69.9% of all applications resulted in a funded mortgage. The denial rate is 15.8%.
What is the average loan amount at American Heritage Bank?
The average mortgage loan amount at American Heritage Bank is $193,288.
What are the most common reasons for mortgage denial at American Heritage Bank?
The most common reasons for mortgage denial at American Heritage Bank are: Credit history, Debt-to-income ratio, Collateral. In total, 46 applications were denied out of 292 total applications.
What types of mortgage loans does American Heritage Bank offer?
American Heritage Bank processes Conventional, FHA, USDA loans. The most common type is Conventional with 288 applications and an average loan amount of $194,722.
What loan purposes does American Heritage Bank serve?
American Heritage Bank serves the following loan purposes: Home Purchase (188 applications), Refinancing (37 applications), Home Improvement (31 applications), Other (30 applications), Cash-out Refinancing (6 applications). Home Purchase is the most common purpose.
Where is American Heritage Bank located?
American Heritage Bank is headquartered in Sapulpa, OK. The lender is identified by LEI 5493007LU04D28P9RD79 in HMDA data.
How does American Heritage Bank compare in lending across racial demographics?
American Heritage Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 69.8% and denial rate of 15.6%; Joint applicants have an approval rate of 59.4% and denial rate of 15.6%; American Indian or Alaska Native applicants have an approval rate of 55.0% and denial rate of 35.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.