America'S Credit Union, a at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th5.4% deniedPricingmedian rate spread over APOR, weight 30%
63rd-0.08 ptsProcesswithdrawn + incomplete share, weight 15%
1st38.1%Closing coststotal loan costs ÷ loan amount, weight 10%
45th3.30% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 313 | 181 | 12.5% | 17.0% | 7.75% | $40M |
| 2024 | 317 | 184 | 10.1% | 14.3% | 7.75% | $44M |
| 2025 | 297 | 165 | 3.4% | 5.4% | 6.75% | $42M |
What America'S Credit Union, a lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 204 home-equity lines, 0 reverse mortgages, 11 manufactured homes, 26 investment properties.
Why America'S Credit Union, a denies applications
Primary reason reported for each of the 10 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at America'S Credit Union, a
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 60 | 29 | 8.8% |
| $100k – $150k | 90 | 54 | 8.5% |
| $150k – $250k | 93 | 49 | 1.9% |
| Over $250k | 34 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 18 | 10.0% |
| 35–44 | 78 | 42 | 6.5% |
| 45–54 | 91 | 53 | 3.4% |
| 55–64 | 55 | 28 | 8.8% |
| 65–74 | 26 | 13 | 0.0% |
Where America'S Credit Union, a lends
4 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Washington | 285 | 158 | 3.5% | 6.75% | #156 |
| Oregon | 6 | 3 | 0.0% | 6.50% | #427 |
| Idaho | 5 | 4 | 0.0% | 6.75% | #340 |
Frequently asked questions
America'S Credit Union, a denied 5.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of home-equity (HELOC) lenders.
The most common reason America'S Credit Union, a gave in 2025 was "debt-to-income ratio", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans America'S Credit Union, a originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was -0.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 10% of its applications were for home purchases, 13% for refinancing (including cash-out), and 76% for home improvement or other purposes. By loan type: 96% conventional, 0% FHA, 4% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.