Purchase Originations
647
Ranked #535 nationally
Median Total Costs
$4,538
−32.1% vs national ($6,680)
↑ $240 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,445
Median Lender Credits
$32
Cost Rank (500+ vol.)
#151
among lenders with 500+ originations
Denial Rate
16.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 448 | 6.250% | $4,090 | $1,445 |
| fha | 159 | 5.990% | $7,539 | $1,445 |
| va | 34 | 5.812% | $6,675 | $1,828 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 647 | 6.125% | $4,538 | #33 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,738 | 6.250% | — | 6 | −$800 | |
| 2 | $3,857 | 6.125% | — | 17 | −$681 | |
| 3 | $4,033 | 6.125% | — | 166 | −$505 | |
| 4 | $4,046 | 6.062% | — | 10 | −$492 | |
| 5 | $4,195 | 6.125% | — | 5 | −$343 | |
| 6 | $4,235 | 5.995% | — | 14 | −$303 | |
| 7 | $4,242 | 6.120% | — | 2 | −$296 | |
| 8 | $4,418 | 5.990% | — | 34 | −$120 | |
| 9 | $4,420 | 6.188% | — | 4 | −$118 | |
| 10 | $4,455 | 6.125% | — | 47 | −$83 | |
| 11 | $4,609 | 6.000% | — | 9 | +$71 | |
| 12 | $4,769 | 6.125% | — | 203 | +$231 | |
| 13 | $4,900 | 6.183% | — | 2 | +$362 | |
| 14 | $4,933 | 6.375% | — | 7 | +$395 | |
| 15 | $4,947 | 6.000% | — | 46 | +$409 | |
| 16 | $4,948 | 6.125% | — | 5 | +$410 | |
| 17 | $5,822 | 6.000% | — | 44 | +$1,284 | |
| 18 | $6,507 | 6.120% | — | 4 | +$1,969 | |
| 19 | $7,219 | 5.938% | — | 2 | +$2,681 | |
| 20 | $7,633 | 6.125% | — | 3 | +$3,095 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | AMERICU Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $4,538 | $7,127 | −$2,589 (−36.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.