State Licensing Information

Alabama Consumer Credit Licensee under state license# 23291.
Arizona Mortgage Banker Licensee under license# 0912684. Licensed to do business as American Heritage Lending at 19800 MacArthur Blvd., Suite 950, Irvine CA 92612.
Arkansas Combination of Mortgage Banker, Mortgage Broker, and Mortgage Servicer Licensee under license# 130360. American Heritage Lending, LLC at 19800 MacArthur Blvd., Suite 950, Irvine CA 92612 (800-731-9226).
Licensed by the California Department of Financial Protection and Innovation under the California Financing Law license number 603G668. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act license number 41DBO-189044
Colorado Mortgage Company Registration by the Division of Real Estate.
Connecticut Mortgage Lender Licensee under license# ML-93735.
American Heritage Lending, LLC is a Delaware Licensed Lender under license# 039710 by the Delaware State Bank Commissioner to engage in business in this State.
Florida Mortgage Lender Licensee under license# MLD94.
Georgia Residential Mortgage Licensee doing business as a Mortgage Lender under license# 93735. Licensed to do business as American Heritage Lending, LLC. 19800 MacArthur Blvd., Suite 950, Irvine CA 92612.
Idaho Mortgage Broker/Lender Licensee under license# MBL-2080093735.and licensed to do business as American Heritage Lending, LLC.
Illinois Residential Mortgage Licensee under license# MB.6761561. (See additional disclosure regarding the IL Community Reinvestment Act below under “Additional State Specific Required Disclosures”.) (nmlsconsumeraccess.org). Note – this must link to the AHL NMLS listing.
Indiana Mortgage Lending Licensee under the Department of Financial Institutions under license# 58918.
Iowa Mortgage Banker Licensee under license# 2018-0155.
Kansas Mortgage Company Licensee under license# MC.0025684.
Kentucky Mortgage Company Licensee under license# MC741639.
Louisiana Residential Mortgage Lending Licensee.
Maine Supervised Lender Licensee under license# 93735.
Maryland Mortgage Lender Licensee under license# 93735. Doing business as American Heritage Lending, LLC. is located at 19800 MacArthur Blvd., Suite 950, Irvine CA 92612.
Massachusetts Mortgage Lender Licensee under license# ML93735.
Michigan 1^st Mortgage Broker and Lender Licensee under license# FL0023340.
Minnesota Residential Mortgage Originator Licensee under license# MN-MO-93735.
American Heritage Lending, LLC.19800 MacArthur Blvd., Suite 950, Irvine CA 92612, is a Mississippi Mortgage Lender Licensee under license# 93735 and is licensed by the Mississippi Department of Banking and Consumer Finance.
Montana Mortgage Lender Licensee under license# and NMLS ID# 93735. (nmlsconsumeraccess.org). Note – this must link to the AHL NMLS listing.
Nebraska Mortgage Banker Licensee.
Nevada Mortgage Company Licensee under license# 5688. American Heritage Lending, LLC. 19800 MacArthur Blvd., Suite 950, Irvine CA 92612 (800-731-9226).
New Hampshire Mortgage Banker Licensee under license# 23855-MB.
New Jersey Residential Mortgage Lender Licensee. American Heritage Lending, LLC. is licensed by the New Jersey Department of Banking & Insurance.
New Mexico Mortgage Loan Company Licensee.
North Carolina Mortgage Lender Licensee under license# L-204931.
American Heritage Lending, LLC. has an Ohio Residential Mortgage Lending Act Certificate of Registration under registration# RM.804862.000 and NMLS ID# 93735. American Heritage Lending, LLC. is located at 19800 MacArthur Blvd., Suite 950, Irvine CA 92612.
Oklahoma Mortgage Lender Licensee under license# ML015518.
American Heritage Lending, LLC. is an Oregon Mortgage Lender Licensee under license# ML-4808. American Heritage Lending, LLC. is located at 19800 MacArthur Blvd., Suite 950, Irvine CA 92612.
Pennsylvania Mortgage Lender Licensee under NMLS ID# 93735 and under license# 81773.
Rhode Island Lender Licensee under license# 20234584LL and a Third Party Loan Servicer Licensee under license# 20234585LS.
South Carolina Mortgage Lender/Servicer Licensee under license# MLS-93735 and under NMLS ID# 93735. See the South Carolina Consumer Loan Disclosure below “Additional State Specific Required Disclosures”.
Tennessee Mortgage Licensee under license# 93735.
Texas Mortgage Banker Registrant. See the Texas Complaints Notice below under “Additional State Specific Required Disclosures”.
Utah Residential First Mortgage Notification under notification# 13382796.
Vermont Lender Licensee under license# LL-93735.
Virginia Mortgage Lender Licensee under license# MC5775 and under NMLS ID# 93735 (nmlsconsumeraccess.org). Note – this must link to the AHL NMLS listing.
Washington Consumer Loan Company Licensee under license# CL-93735. (nmlsconsumeraccess.org). Note – this must link to the AHL NMLS listing.
West Virginia Mortgage Lender Licensee under license# ML-93735.
Wisconsin Mortgage Banker Licensee under license# 93735BA and under NMLS ID# 93735.
Wyoming Mortgage Lender/Broker Licensee under license# 4894.

Additional State Specific Required Disclosures

Illinois Community Reinvestment Act Notice

Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Department of Financial and Professional Regulation (Secretary) evaluates our record of helping to meet the lending needs of this community consistent with safe and sound operations. The Secretary also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the ILCRA, including, for example, information about our additional full-service office(s), such as their location and services provided at them; the public section of our most recent ILCRA Performance Evaluation, prepared by the Secretary; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Secretary publishes a nationwide list of the covered mortgage licensees that are scheduled for ILCRA examination in that quarter. This list is available from the Secretary at 320 West Washington Street, 3rd Floor, Springfield, IL 62786 and at 555 West Monroe Street, Suite 500, Chicago, IL 60661. You may send written comments about our performance in helping to meet community lending needs to Justin Smith (justin@ahlend.com) and the Secretary. You may also submit comments electronically through the Department’s Web site at https://idfpr.illinois.gov/admin/cra.html. Your letter, together with any response by us, will be considered by the Secretary in evaluating our ILCRA performance and may be made public.

You may ask to look at any comments received by the Secretary. You may also request from the Secretary an announcement of our applications covered by the ILCRA filed with the Secretary.

SOUTH CAROLINA CONSUMER LOANS

Your Rights and Responsibilities brochure: https://dih4lvql8rjzt.cloudfront.net/cms/7d3ebf57-734f-4a75-8c5e-d0c15b5d1c23_sc-consumer-loans-your-rights-and-Responsibilities-brochure.pdf

TEXAS COMPLAINTS NOTICE

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

      
 4.6 
   Top Rated Service 
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.

    
 
 
        
   Brandon Henington 
 4 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jessica Reynolds went above and beyond. She made the entire process seamless. I highly recommend Jessica and American Heritage Lending!!!!
  
 
       
   Trez Ibrahim 
 1 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Brad and Tami were both incredible throughout the entire process. They were very transparent, helpful, patient and led me through everything I needed. They were very responsive and quickly closed the loans despite my holding them up on a few things they needed from me. I would highly recommend them and plan on working with them again in the future.
  
 
       
   Michele Albohn 
 27 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I'm a broker and recently worked on a challenging file with AHL, and they got it done.  Michael Moss and his underwriting manager, Jackie, and account manager Moniqua were responsive, fast and got the job done.  We would not have been able to close without their expertise and ability to guide us to get this done!  Highly recommend!
  
 
       
   Francia Castro 
 25 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Anthony Jarvis and he was very involved from the get-go. Our first conversation felt like he understood exactly what my goal was and it was easy for me to continue to explore the process because of it. He was attentive and always available to chat about my project. The numbers also made sense in terms of interests vs points up-front. I would definitely be using them again for my dscr loan and future investments.
  
 
       
   James Hoffman 
 25 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Here's to new business adventures!!!!
  
 
       
   greg mckenzie 
 21 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had an incredible experience working with Brad at American Heritage Lending. From start to finish, he was exceptionally responsive, always answering my questions quickly and keeping me updated at every step of the process.Brad truly goes over and above for his clients. He anticipated potential roadblocks before they could cause issues and worked tirelessly to ensure everything stayed on track. Thanks to his dedication, attention to detail, and constant communication, we had a completely stress-free and smooth closing.If you are looking for a loan officer who is professional, proactive, and genuinely cares about getting you across the finish line, I highly recommend Brad!
  
 
       
   Jessica Rodriguez 
 20 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. After trying to locally source a hard money lender and having no luck for the scope of the project I found American heritage , where Tim Young provided exceptional service from start to finish in helping me secure the loan I needed! Just closed and hopefully I’ll be back to do more business with them! 🤩🙌🏻
  
 
       
   Donald Thornsberry 
 6 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jessica was the main reason for me continuing the loan process with AHL. I had several concerns throughout the process and she was able to "talk me off the ledge" on all occasions. Her reassurance and calm demeanor was greatly welcomed. We closed a loan from start to finish in 13 business days and this was mainly due to Jessica's diligence and her professional attitude. Anytime I had questions about anything her processor was sending me, I could reach out to her and she would respond within a few minutes to hours. For example, I emailed her one night at 11:45pm with some questions I had, thinking that she would receive the email the next day. She actually responded within about 5 mins and got me in contact with someone that could answer my questions. Her attention to detail and her ability to explain things in a logical manner was and is greatly appreciated. Thanks Jessica and I'm looking forward to working with you again in the near future on the next deal.
  
 
       
   Jenifer McMahon 
 10 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. I've thinking that I have made a good decision by what I have been reading so far. I'm hoping that everything will go well as expected.
  
 
       
   Keegan K 
 9 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Jay and Barbie at AH, and I truly cannot say enough good things about them. From start to finish, they were professional, responsive, knowledgeable, and genuinely wonderful to work with. They made the entire process feel smooth and stress-free, and their communication was excellent every step of the way. Jay and Barbie both went above and beyond to make sure everything was handled properly and that everyone felt confident throughout the transaction. People like them are rare in this industry. They are an absolute asset to AH, and I would gladly work with them again. Highly recommend!