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Multifamily record
American Heritage Lending, LLC: multifamily loans made
American Heritage Lending, LLC, a non-bank lender based in Irvine, CA, made 113 multifamily loans in 2025, $96.7M in all, in 31 states. The typical loan was about $680K, and the largest about $2.8M. Most were in Hudson County, NJ.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 113
- HMDA,
- 2025. Manufactured-home parks excluded
- Dollars
- $96.7M
- HMDA,
- Rounded amounts
- Typical loan
- $680K
- HMDA,
- Largest loan
- $2.8M
- HMDA,
- Rounded to 2 significant figures
- States
- 31
- HMDA,
Cite this
Source: The Lender Report, American Heritage Lending, LLC: multifamily loans made, https://lender.report/lender/american-heritage-lending-ca/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $2.8M | 7.25% | 30 yr | 67% | HMDA 2025 |
| 2025 | Sarasota County, FL | Refinance, 5 to 24 units | $2.5M | 7.25% | 40 yr | 65% | HMDA 2025 |
| 2025 | Kings County, NY | Purchase, 5 to 24 units | $2.3M | 7.5% | 30 yr | 65% | HMDA 2025 |
| 2025 | Norfolk County, MA | Purchase, 5 to 24 units | $2.1M | 7.75% | 30 yr | 70% | HMDA 2025 |
| 2025 | Jackson County, MO | Purchase, 5 to 24 units | $2M | 7.38% | 30 yr | 73% | HMDA 2025 |
| 2025 | Santa Barbara County, CA | Cash-out refinance, 5 to 24 units | $2M | 7.63% | 40 yr | 59% | HMDA 2025 |
| 2025 | Kings County, NY | Cash-out refinance, 5 to 24 units | $1.9M | 7.38% | 40 yr | 62% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 5 to 24 units | $1.9M | 7.88% | 30 yr | 65% | HMDA 2025 |
| 2025 | Salt Lake County, UT | Cash-out refinance, 5 to 24 units | $1.9M | 7.75% | 30 yr | 64% | HMDA 2025 |
| 2025 | Santa Barbara County, CA | Purchase, 5 to 24 units | $1.9M | 7.63% | 40 yr | 65% | HMDA 2025 |
| 2025 | Bronx County, NY | Refinance, 5 to 24 units | $1.8M | 7% | 40 yr | 61% | HMDA 2025 |
| 2025 | Monmouth County, NJ | Purchase, 5 to 24 units | $1.8M | 7.88% | 30 yr | 75% | HMDA 2025 |
| 2025 | Monmouth County, NJ | Purchase, 5 to 24 units | $1.7M | 7.75% | 30 yr | 75% | HMDA 2025 |
| 2025 | Albemarle County, VA | Refinance, 5 to 24 units | $1.6M | 7.25% | 30 yr | 55% | HMDA 2025 |
| 2025 | Hudson County, NJ | Cash-out refinance, 5 to 24 units | $1.5M | 7.38% | 30 yr | 63% | HMDA 2025 |
| 2025 | Bronx County, NY | Cash-out refinance, 5 to 24 units | $1.4M | 7.25% | 30 yr | 65% | HMDA 2025 |
| 2025 | Essex County, NJ | Refinance, 5 to 24 units | $1.4M | 7.13% | 30 yr | 65% | HMDA 2025 |
| 2025 | Hudson County, NJ | Purchase, 5 to 24 units | $1.4M | 8.13% | 30 yr | 75% | HMDA 2025 |
| 2025 | Nassau County, NY | Cash-out refinance, 5 to 24 units | $1.4M | 7.38% | 30 yr | 65% | HMDA 2025 |
| 2025 | Essex County, NJ | Cash-out refinance, 5 to 24 units | $1.3M | 7.38% | 30 yr | 55% | HMDA 2025 |
| 2025 | Santa Barbara County, CA | Cash-out refinance, 5 to 24 units | $1.3M | 7.63% | 40 yr | 60% | HMDA 2025 |
| 2025 | Hudson County, NJ | Refinance, 5 to 24 units | $1.2M | 7.38% | 30 yr | 59% | HMDA 2025 |
| 2025 | Miami-Dade County, FL | Cash-out refinance, 5 to 24 units | $1.2M | 7.38% | 30 yr | 65% | HMDA 2025 |
| 2025 | Monterey County, CA | Purchase, 5 to 24 units | $1.2M | 7.63% | 30 yr | 74% | HMDA 2025 |
| 2025 | Nassau County, NY | Cash-out refinance, 5 to 24 units | $1.2M | 7.38% | 30 yr | 65% | HMDA 2025 |
| 113 multifamily loans made in 2025 | $96.7M | HMDA 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Hudson County, NJ | County | 8 | $7.64M |
| Los Angeles County, CA | County | 8 | $6.96M |
| Kings County, NY | County | 5 | $8.78M |
| Cook County, IL | County | 4 | $1.96M |
| Essex County, NJ | County | 4 | $4.74M |
| Miami-Dade County, FL | County | 3 | $3.18M |
| Monmouth County, NJ | County | 3 | $4.50M |
| Naugatuck Valley Planning Region, CT | County | 3 | $1.44M |
| Santa Barbara County, CA | County | 3 | $5.20M |
| Sarasota County, FL | County | 3 | $4.34M |
| Bronx County, NY | County | 2 | $3.20M |
| Montgomery County, TN | County | 2 | $1.38M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 80 | $45.2M |
| $1M to $2.5M | 31 | $46.2M |
| $2.5M to $5M | 2 | $5.30M |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2025 | 113 | $96.7M | $680K |
| Purpose | Loans |
|---|---|
| Purchase | 43 |
| Refinance | 17 |
| Cash-out refinance | 53 |
| Units | Loans |
|---|---|
| 5 to 24 units | 113 |
- American Heritage Lending, LLC made 113 multifamily loans totaling $96.7M in 2025, in 73 named places across 31 states. HMDA,
- The typical loan was about $680K, with the middle half between $440K and $1.1M. HMDA,
- The largest was about $2.8M. Every amount is rounded to 2 significant figures. HMDA,
- 80 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 7.50% on 113 loans, with the middle half between 7.25% and 7.63%. HMDA,
- The median term was 30 years. HMDA,
- The median loan to value was 65%. HMDA,
- 62% of the loans were refinancings and 38% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 113 loans. HMDA,
- Its loans were most often in Hudson County, NJ (8), Los Angeles County, CA (8) and Kings County, NY (5). HMDA,
What we don't know
- Whether American Heritage Lending, LLC is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.