Lender profile · HMDA 2023–2025
AMERICU Credit Union mortgage approval rates & lending data
AMERICU Credit Union decided 4,528 mortgage applications and funded 3,396 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Florida | 38% | $155K | 16 | 6 |
| Texas | 0% | — | 10 | 0 |
| Georgia | 0% | — | 5 | 0 |
| Pennsylvania | 0% | — | 5 | 0 |
| New Jersey | 0% | — | 4 | 0 |
| Ohio | 0% | — | 4 | 0 |
| Arizona | 0% | — | 3 | 0 |
| Michigan | 0% | — | 3 | 0 |
| North Carolina | 0% | — | 3 | 0 |
| South Carolina | 0% | — | 3 | 0 |
| California | 0% | — | 2 | 0 |
| Indiana | 0% | — | 2 | 0 |
| Maryland | 0% | — | 2 | 0 |
| Minnesota | 0% | — | 2 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.