AMERICU Credit Union mortgage approval rate & lending review
AMERICU Credit Union decided 4,528 mortgage applications and funded 3,396 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions AMERICU Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
AMERICU Credit Union at a glance
Approval is 0.5 points above the 74.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 81% | 1,167 / 1,443 | 100% | $205K | 1,166 |
| Home improvement loans | 70% | 1,271 / 1,803 | 100% | $55K | 1,270 |
| Cash-out refinance | 72% | 58 / 81 | 98% | $175K | 57 |
| Refinance | 74% | 690 / 930 | 100% | $85K | 690 |
| Investment property purchase | 84% | 110 / 131 | 99% | $125K | 109 |
| Investment cash-out refinance | 73% | 27 / 37 | 100% | $155K | 27 |
| Investment refinance | 95% | 71 / 75 | 100% | $165K | 71 |
| Investment home improvement | 21% | 6 / 28 | 100% | $45K | 6 |
AMERICU Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 76% | $85K | 4,458 | 3,390 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where AMERICU Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Onondaga County, NY | Home improvement loans | 75% | 714 | 532 |
| Oneida County, NY | Home improvement loans | 74% | 650 | 482 |
| Oneida County, NY | Mortgage lenders | 87% | 492 | 425 |
| Onondaga County, NY | Mortgage lenders | 86% | 462 | 395 |
| Onondaga County, NY | Refinance | 72% | 447 | 323 |
| Oneida County, NY | Refinance | 81% | 291 | 237 |
| Jefferson County, NY | Mortgage lenders | 68% | 238 | 162 |
| Jefferson County, NY | Home improvement loans | 65% | 186 | 120 |
| Oswego County, NY | Mortgage lenders | 83% | 118 | 98 |
| Oswego County, NY | Home improvement loans | 70% | 125 | 88 |
| Jefferson County, NY | Refinance | 73% | 100 | 73 |
| Onondaga County, NY | Investment property purchase | 93% | 67 | 61 |
The county markets where AMERICU Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about AMERICU Credit Union
What is AMERICU Credit Union's mortgage approval rate?
AMERICU Credit Union approved 75.1% of the 4,528 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.5 points above the 74.5% national rate for the same mix of loan types.
How often do borrowers take the loan AMERICU Credit Union offers?
Borrowers accepted 100% of the loans AMERICU Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does AMERICU Credit Union make?
The typical home improvement loan loan AMERICU Credit Union made was $55K; across all loan types its typical loan ran from $45K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does AMERICU Credit Union lend?
AMERICU Credit Union decided applications in 21 of the states Fat Boy Data covers, most of them in New York, Florida and Texas.
Can I apply to AMERICU Credit Union directly?
Yes. AMERICU Credit Union is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show AMERICU Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how AMERICU Credit Union treats applications, then get a rate quote from the lender.