# AMERICU Credit Union

> **Canonical URL:** https://saferate.com/lenders/americu-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AMERICU Credit Union is a credit union, headquartered in Rome, NY, with 640 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493002C1SVHOFTWF108
- **Headquarters:** Rome, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.085%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,274
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 640
- **Dollar Volume:** $132 million
- **Applications Received:** 898
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $206,188
- **Average Borrower Income:** $121,280
- **Average Property Value:** $268,281

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 512 | +0.101% | $1,127 | Strong 😀 |
| FHA | 72/100 | 99 | +0.122% | $1,877 | Strong 😀 |
| VA | 66/100 | 26 | -0.497% | $1,663 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 378 loans, Score: 71/100 (Strong)
- Refinance: 134 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 98 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 25 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 504 | $113M | -0.006% | Strong 😀 |
| Refinance | 73/100 | 136 | $19M | +0.401% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 640 | 0.56% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Syracuse, NY | NY | 241 | 85/100 |
| Utica | NY | 206 | 100/100 |
| Non |  | 111 | 55/100 |
| Watertown | NY | 59 | 82/100 |

## Where This Lender Ranks

AMERICU Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Syracuse, NY for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Utica Credit Unions
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Utica for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Watertown for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Watertown for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in New York Credit Unions
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in New York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in New York for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in New York for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Syracuse, NY Credit Unions
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Syracuse, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Watertown
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders)
- 🥈 **#2** in Watertown for FHA Loans
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Utica
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders)
- 🥉 **#3** in Watertown for Conventional Loans
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Watertown for VA Loans
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Syracuse, NY
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders)
- 🏆 **#4** in Utica for Conventional Loans
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Syracuse, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Syracuse, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does AMERICU Credit Union offer?

AMERICU Credit Union offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICU Credit Union offer mortgages?

AMERICU Credit Union offers mortgages in 1 states: NY.

### How competitive are AMERICU Credit Union's mortgage rates?

AMERICU Credit Union has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.085% above market average.

### What type of lender is AMERICU Credit Union?

AMERICU Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rome, NY.

### What is AMERICU Credit Union's loan approval success rate?

AMERICU Credit Union has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/americu-credit-union

### How to Cite

> "AMERICU Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/americu-credit-union

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