AMERICHOICE Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd18.4% deniedPricingmedian rate spread over APOR, weight 30%
36th0.39 ptsProcesswithdrawn + incomplete share, weight 15%
43rd13.2%Closing coststotal loan costs ÷ loan amount, weight 10%
100th0.01% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 201 | 124 | 18.4% | 22.4% | — | $12M |
| 2024 | 157 | 111 | 15.3% | 17.8% | 6.49% | $11M |
| 2025 | 182 | 125 | 15.9% | 18.4% | 6.49% | $14M |
What AMERICHOICE Federal Credit Union 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: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 27 investment properties.
Why AMERICHOICE Federal Credit Union denies applications
Primary reason reported for each of the 29 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AMERICHOICE Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 8 | 50.0% |
| $50k – $100k | 65 | 42 | 21.4% |
| $100k – $150k | 43 | 32 | 15.4% |
| $150k – $250k | 27 | 22 | 8.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 29 | 20 | 19.2% |
| 45–54 | 51 | 34 | 18.6% |
| 55–64 | 39 | 25 | 19.4% |
Where AMERICHOICE Federal Credit Union lends
12 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 166 | 113 | 15.7% | 6.49% | #306 |
Frequently asked questions
AMERICHOICE Federal Credit Union denied 18.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
The most common reason AMERICHOICE Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 34.5% 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 AMERICHOICE Federal Credit Union originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 5% of its applications were for home purchases, 33% for refinancing (including cash-out), and 62% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.