AMERICU Credit Union
AMERICU Credit Union received 3,557 applications in 2025 and made 2,327 mortgages, in 135 counties across 28 states. The median rate its borrowers got was 6.125% on a median loan of $115,000. Of 3,248 decisions, 921 were denials — 28.4%, most often for other. 24 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493002C1SVHOFTWF108 |
|---|---|
| Applications received | 3,557 |
| Mortgages made | 2,327 |
| Denied | 921 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 309 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.02 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 850 | 6.125% | $195,000 | 19.3% |
| Refinancing | 395 | 6.490% | $105,000 | 23.5% |
| Cash-out refinancing | 63 | 6.250% | $195,000 | 21.3% |
| Other purposes | 1,019 | 6.240% | $65,000 | 36.3% |
Where AMERICU Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Onondaga County, NY | 715 | 6.240% | 23.0% |
| Oneida County, NY | 624 | 6.240% | 20.2% |
| Madison County, NY | 179 | 6.240% | 22.8% |
| Jefferson County, NY | 170 | 6.250% | 29.8% |
| Oswego County, NY | 135 | 6.000% | 26.6% |
| Herkimer County, NY | 124 | 6.125% | 26.6% |
| Cayuga County, NY | 106 | 6.125% | 30.3% |
| Lewis County, NY | 38 | 6.000% | 36.7% |
| St. Lawrence County, NY | 33 | 6.000% | 31.3% |
| Cortland County, NY | 31 | 6.125% | 39.2% |
| Otsego County, NY | 15 | 6.240% | 28.6% |
| Clinton County, NY | 13 | 6.000% | 27.8% |
| Saratoga County, NY | 10 | 6.313% | 28.6% |
| Essex County, NY | 8 | Under 10 loans | 27.3% |
| Monroe County, NY | 8 | Under 10 loans | 52.9% |
| Wayne County, NY | 8 | Under 10 loans | 33.3% |
| Chenango County, NY | 7 | Under 10 loans | 50.0% |
| Montgomery County, NY | 7 | Under 10 loans | 46.2% |
| Erie County, NY | 6 | Under 10 loans | 25.0% |
| Nassau County, NY | 6 | Under 10 loans | 33.3% |
| Washington County, NY | 6 | Under 10 loans | 25.0% |
| Franklin County, NY | 5 | Under 10 loans | 50.0% |
| Fulton County, NY | 5 | Under 10 loans | 66.7% |
| Tompkins County, NY | 5 | Under 10 loans | 54.6% |
| Rensselaer County, NY | 4 | Under 10 loans | 20.0% |
| Warren County, NY | 4 | Under 10 loans | 0.0% |
| Orange County, FL | 3 | Under 10 loans | 40.0% |
| Albany County, NY | 3 | Under 10 loans | 57.1% |
| Broome County, NY | 3 | Under 10 loans | 75.0% |
| Chemung County, NY | 3 | Under 10 loans | 66.7% |
| Delaware County, NY | 3 | Under 10 loans | 25.0% |
| Greene County, NY | 3 | Under 10 loans | 0.0% |
| Hamilton County, NY | 3 | Under 10 loans | 25.0% |
| Ontario County, NY | 3 | Under 10 loans | 25.0% |
| Orange County, NY | 3 | Under 10 loans | 0.0% |
| Schenectady County, NY | 3 | Under 10 loans | 57.1% |
| Tioga County, NY | 3 | Under 10 loans | 25.0% |
| Pinellas County, FL | 2 | Under 10 loans | 33.3% |
| Niagara County, NY | 2 | Under 10 loans | 33.3% |
| Queens County, NY | 2 | Under 10 loans | 50.0% |
| Seneca County, NY | 2 | Under 10 loans | 33.3% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 50.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Allegany County, NY | 1 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 75.0% |
| Dutchess County, NY | 1 | Under 10 loans | 66.7% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.