Lender in New York · HMDA 2025
Americu Credit Union mortgages in New York
Americu Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Americu Credit Union originated 809 owner-occupied single-family loans in New York from 995 completed applications.
Its median conventional purchase loan costs were $4,050 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.25% (New York: 6.50%).
Loans in NY
809
of 995 applications
Denial rate
17.1%
Purchase · NY 9.5%
Rate spread
−0.08 pts
Conv. · NY +0.07 pts
Loan amount
$205,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 805 | 667 | 17.1% | 6.250% | −0.08 pts | $4,050 | $205,000 |
| Refinance | 135 | 98 | 27.4% | — | +0.44 pts | $140 | $105,000 |
| Cash-out refinance | 55 | 44 | 20.0% | 6.375% | −0.11 pts | $3,960 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Americu Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Oneida County | 1 | 252 | 13.8% |
| Madison County | 1 | 64 | 10.7% |
| Herkimer County | 1 | 53 | 11.7% |
| Onondaga County | 4 | 210 | 4.9% |
| Lewis County | 5 | 14 | 6.7% |
| Jefferson County | 6 | 56 | 4.9% |
| St. Lawrence County | 6 | 17 | 3.2% |
| Clinton County | 6 | 10 | 2.0% |
| Oswego County | 7 | 40 | 3.9% |
| Cayuga County | 7 | 24 | 4.3% |
| Cortland County | 8 | 7 | 2.2% |
| Otsego County | 10 | 10 | 2.5% |
| Essex County | 12 | 4 | 1.6% |
| Hamilton County | 12 | 1 | 2.3% |
| Franklin County | 14 | 3 | 1.4% |
| Chenango County | 19 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology