AMERICU Credit Union closing costs and rates (2024)
In 2024, AMERICU Credit Union originated 441 purchase mortgages at a median interest rate of 6.12% and median total closing costs of $4,298. That is $2,443 below the national median of $6,741. AMERICU Credit Union is most active in New York with 441 originations there.
Purchase Originations
441
Median Total Costs
$4,298
−36.2% vs national ($6,741)
Median Rate
6.125%
−7.5% vs national (6.620%)
Median Origination
$1,445
Median Lender Credits
$26
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 309 | 6.250% | $3,935 | $1,445 |
| fha | 104 | 5.990% | $7,537 | $1,658 |
| va | 25 | 6.125% | $7,577 | $1,445 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 441 | 6.125% | $4,298 | #50 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,191 | 6.625% | — | 1 | −$1,107 | |
| 2 | $3,392 | 6.438% | — | 2 | −$906 | |
| 3 | $3,982 | 5.933% | — | 22 | −$316 | |
| 4 | $4,002 | 6.250% | — | 11 | −$296 | |
| 5 | $4,076 | 6.375% | — | 5 | −$222 | |
| 6 | $4,143 | 6.250% | — | 25 | −$155 | |
| 7 | $4,164 | 6.250% | — | 116 | −$134 | |
| 8 | $4,210 | 6.125% | — | 124 | −$88 | |
| 9 | $4,566 | 6.250% | — | 3 | +$268 | |
| 10 | $4,643 | 6.133% | — | 22 | +$345 | |
| 11 | $4,664 | 6.250% | — | 10 | +$366 | |
| 12 | $4,815 | 6.000% | — | 41 | +$517 | |
| 13 | $5,057 | 6.250% | — | 6 | +$759 | |
| 14 | $5,399 | 6.125% | — | 29 | +$1,101 | |
| 15 | $5,837 | 6.125% | — | 10 | +$1,539 | |
| 16 | $7,396 | 5.990% | — | 5 | +$3,098 | |
| 17 | $7,680 | 6.375% | — | 1 | +$3,382 | |
| 18 | $9,239 | 6.625% | — | 1 | +$4,941 | |
| 19 | $12,883 | 6.000% | — | 1 | +$8,585 | |
| 20 | $18,304 | 6.125% | — | 1 | +$14,006 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.