American Heritage Lending

What American Heritage Lending does

American Heritage Lending (AHL) is a privately held, Costa Mesa / Irvine, California-based direct mortgage lender founded in 2004 that originates non-qualified mortgage (Non-QM) and hard money loans to real estate investors. The company funds short-term, asset-based financings — including fix-and-flip loans, new construction loans, bridge loans, DSCR rental loans, single-close build-to-rent construction-to-permanent loans, and broader Non-QM products — through both direct-to-investor sales and a wholesale / correspondent channel served by a dedicated broker portal (ahlendtpo.com) featuring a Quick Pricer pricing tool and integrated Reggora appraisal ordering.

The operating model is built on in-house processing, underwriting, and funding capabilities, supported by a wholly-owned appraisal management subsidiary (Vision) and institutional capital backing from a prominent private equity firm in the private lending space. Technology centers on a digital lending platform: a broker-facing portal with self-service pricing and document management, a digital draw process with virtual inspections and 48-hour turnaround for renovation and construction disbursements, and online prequalification with same-day term sheets without a credit pull. There is no disclosed AI/ML capability; automation is operational rather than model-based.

Revenue is generated primarily through origination fees (points) on funded loans — with 0-point and deferred-point pricing options — and through interest income on short-duration loan portfolios, with rates starting at 7.99% for fix-and-flip and 8.25% for new construction. AHL reports over $1 billion in cumulative loans funded since founding and approximately 2,800 investor loans funded annually, with availability spanning 40+ to 47 states depending on product. Specific revenue, profitability, and ownership details are not publicly disclosed, and the lender's identity is held privately by its PE sponsor.

Name

American Heritage Lending

Legal name

American Heritage Lending, LLC

Website

https://ahlend.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

51–100 employees

Short description

American Heritage Lending is a privately held, Irvine-based direct mortgage lender founded in 2004 that originates non-QM and hard money loans — fix-and-flip, new construction, bridge, DSCR, and build-to-rent — for real estate investors across 40+ U.S. states via direct sales and a wholesale broker channel.

Ownership category

akta.pro rank

Product category

Private Real Estate Investment Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Non-QM / Alternative Documentation Mortgage Origination (FSALAAAJ)

akta.pro secondary industry

Spec/Tract Builder Construction Financing (FSALAHAC)

Keywords

• Private money lending
• Hard money loans
• Non-QM mortgage lending
• Fix and flip financing
• Real estate investor loans

Headquarters

HQ city

Costa Mesa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Origination Fees: Direct lender generating revenue through origination fees (points) on hard money loans, bridge loans, construction loans, and DSCR rental loans. Offers 0-point and deferred-point pricing options.
2. Interest Income: Interest income from short-term investment property loans including fix-and-flip loans (12-18 months), bridge loans (12-18 months), and new construction loans. Rates starting at 7.99% for fix-and-flip and 8.25% for construction.
3. Wholesale/Broker Channel Revenue: Revenue from processing and funding loans originated through broker partners in Wholesale, Table-Funding, and Correspondent channels with 45-day rate locks available at loan submission.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

American Heritage Lending is a direct private/hard money and Non-QM residential mortgage lender that originates and funds a suite of real estate investor loan products — Fix & Flip, New Construction, Bridge, DSCR Rental, Single-Close Build To Rent, and Non-QM loans. The company handles origination, processing, underwriting, and funding in-house, and additionally serves third-party originators through Wholesale, Table-Funding, and Correspondent channels via its proprietary broker portal.

Product overview

American Heritage Lending operates as a direct hard money lender offering a portfolio of specialized real estate investment loan products. The core product suite includes six distinct loan programs: DSCR Rental Loans (income-based rental financing), Fix & Flip Loans (renovation-focused short-term loans), New Construction Loans (ground-up build financing), Bridge Loans (short-term transitional capital), Single-Close Build To Rent (combined construction-to-perm financing), and Non-QM Loans (flexible underwriting for unique income profiles). The company also provides a proprietary Broker Portal platform for wholesale and correspondent lending partners. These products serve real estate investors seeking alternatives to traditional bank financing, with offerings available across 40+ states.

Differentiator

Problem solved

Functional benefit

Products and services

• DSCR Rental Loans Debt Service Coverage Ratio loans that finance rental properties based on the property's cash flow rather than the borrower's personal income, enabling investors to expand portfolios without traditional income documentation. Up to 85% LTV for single family and multifamily properties up to 10 units, purchase/rate-term/cash-out options, long and short-term rentals, 30-year fixed and 40-year fixed with interest-only options, LTV stacking available, foreign nationals OK, minimum DSCR 0.75x.
• Fix & Flip Loans Short-term financing for real estate investors to purchase, renovate, and sell properties, offering up to 95% loan-to-cost, up to 75% ARV, 100% rehab funding available, loan amounts up to $3 million, terms 6-18 months, no prepayment penalty, 0 point and deferred point programs available. No appraisal needed for loans under $750K; rates starting at 7.99% and 10-day closings.
• New Construction Loans Ground-up construction financing for single-family homes, townhomes, and small multifamily projects with progress-based draws, covering up to 95% of total project costs including land acquisition. Rates starting at 8.25%, up to 100% construction financing, loan amounts up to $3 million, terms 12-18 months, interest-only payments, virtual draw inspections with 24-hour turnaround, 0 point and deferred point options available.
• Bridge Loans Short-term capital financing for acquisitions, refinances, and transitional properties, offering up to $3 million with loan-to-value ratios up to 75% (up to 80% in some cases) and closing in as few as 10 days / 2 weeks. Terms 12-18 months interest-only, short-term purchase, rate/term refinance, and cash-out options available, 0 point and deferred point programs, no appraisal needed for loans under $1M.
• Single-Close Build To Rent (Construction-to-Perm) One-time close loan combining construction and permanent financing into a single package for build-to-rent investors, eliminating the need for multiple loan applications and closings. Up to 87.5% LTC for construction, 100% construction funding, up to 80% LTV for refinance, close in 2 weeks or less, no secondary closing after completion, 0 point and deferred point programs, no prepayment penalty, available in 47 states.
• Non-QM Loans Flexible financing for self-employed borrowers, investors, and those with unique income streams, offering flexible underwriting accommodating varying credit profiles and income verification methods. Used by broker partners (e.g., American Financial Network) to place investor and self-employed borrower loans outside QM standards.

Quantifiable outcome

• 2,800+ investor loans funded annually
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• Vision – Appraisal Management CompanyminorOthersAffiliated company for appraisal management services; information shared is limited to only information necessary to perform this service

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lima One Capital: Private/hard money lender offering fix-and-flip, new construction, rental (DSCR), and multifamily loans to real estate investors. Near-identical product matrix to AHL and similarly PE-backed (announced Greystone acquisition), serving the same SMB investor customer.
• Angel Oak Mortgage Solutions: Non-QM and wholesale mortgage lender offering full AltDoc, DSCR, and investor products through a TPO/wholesale broker channel. Directly comparable to AHL's Non-QM and TPO broker business.
• A&D Mortgage: Wholesale non-QM mortgage lender with strong TPO distribution, offering DSCR, AltDoc, and investor products. Competes head-to-head with AHL's broker channel for non-QM volume.
• Kiavi: Online private real estate lender providing bridge, fix-and-flip, and rental property loans directly to investors. Closely comparable product set and investor-focused GTM to AHL, with similar speed-of-funding value proposition.
• Deephaven Mortgage: Non-QM lender focused on DSCR, second-lien, and investor products distributed through wholesale and correspondent channels. Comparable product breadth and broker-centric distribution to AHL.
• Newfi Wholesale: Non-QM wholesale and correspondent lender specializing in DSCR, business-purpose, and investor loans distributed primarily through mortgage brokers. Direct head-to-head competitor in the wholesale non-QM channel.
• Visio Lending: DSCR-focused rental property lender underwriting loans on property cash flow rather than borrower income. Closely comparable to AHL's DSCR Rental Loan program and the same investor customer base.
• CoreVest Finance (a Redwood Trust company): Lender to residential real estate investors offering fix-and-flip, rental (single-family and small multifamily), and new construction loans. Directly overlapping product mix and investor GTM.

Emerging players

• Groundfloor Finance: Real estate investment platform with short-term fix-and-flip and rental debt products. Partial overlap with AHL's fix-and-flip and rental offerings but differentiated by retail-investor funding model.

Broad incumbents

• Verus Mortgage Capital: Non-QM and investor loan securitizer and originator with broader balance-sheet funding capabilities. Overlaps with AHL on non-QM products but operates at greater scale as part of a structured-finance platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Heritage Lending