Applications / Mortgage Analytics / Lenders / New York / Americu Credit Union
Rome, NY · Credit union · NCUA · $3.0 billion assets · 2,327 loans in 2025
Americu Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,327
loans originated, 2025
3,585
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Americu Credit Union is the largest lender in Utica-Rome, where its share rose to 13.3% from 7.0%, and its originations rose 21%, faster than about three in four similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Originations rose 21% to 2,327, against 11% for similar lenders and 10% for the whole market. The 2025 total was close to the 2,341 of five years before.
It ranks 1 of 174 in Utica-Rome, and 2 of 246 in Syracuse, where its share rose to 6.3% from 5.4%, behind Empower Federal Credit Union. In Watertown-Fort Drum its share fell to 5.9% from 7.2%, which could reflect competitors' gains in a small market as much as its own lending.
FHA loans (insured by the Federal Housing Administration) were 7.3% of its loans and VA loans (guaranteed by the Department of Veterans Affairs) 1.7%, where the typical similar lender made none. Its typical rate of 6.12% was lower than nearly nine in ten similar lenders, and higher-priced loans (a rate well above the average for similar loans) were 0.2% against 1.7%.
LMI (low- and moderate-income) borrowers took 29.9% of its loans, higher than about two-thirds of similar lenders, and 16.9% were in LMI areas against 14.8%. Only 3.6% were in majority-minority areas against 12.0%; its largest markets are Syracuse, Utica-Rome and non-metro New York, which could account for much of that.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Americu Credit Union took 3,585 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.5% · Home improvement 28.3% · Refinance 19.7% · Other 15.5%
Conventional 90.8% · FHA 7.3% · VA 1.7% · USDA (RHS or FSA) 0.3% · of 2,327 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 2,316 | 99.5% |
| Florida | 11 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 1,029 |
| Utica-Rome | 748 |
| Watertown-Fort Drum | 170 |
| Albany-Schenectady-Troy | 21 |
| Rochester | 20 |
| Glens Falls | 10 |
| Buffalo-Cheektowaga | 8 |
| Nassau County-Suffolk County | 7 |
| Binghamton | 6 |
| Ithaca | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002C1SVHOFTWF108 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 12281 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568433 | 2001–2017 |
Established 1 January 1978. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Americu Credit Union's data.
Americu Credit Union's data
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Americu Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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