AMERICU Credit Union in New York vs the state
24.1%Denial rate+4.35 pts vs state
26.4%Decision denial rate+2.34 pts vs state
67.3%Origination rate+7.66 pts vs state
6.13%Median rate-0.50 pts vs state
0.02Rate spread (pts)-0.19 pts vs state
$92kMedian applicant income
2,316Loans originated
830Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,498 | 1,564 | 28.5% | 6.00% | #30 |
| 2024 | 2,892 | 1,921 | 24.8% | 6.39% | #28 |
| 2025 | 3,444 | 2,316 | 24.1% | 6.13% | #26 |
What AMERICU Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most AMERICU Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 1,002 | 715 | 214 | 21.4% |
| Oneida County | 839 | 624 | 158 | 18.8% |
| Jefferson County | 263 | 170 | 72 | 27.4% |
| Madison County | 256 | 179 | 53 | 20.7% |
| Oswego County | 200 | 135 | 49 | 24.5% |
| Herkimer County | 191 | 124 | 45 | 23.6% |
| Cayuga County | 170 | 106 | 46 | 27.1% |
| Lewis County | 65 | 38 | 22 | 33.8% |
| St. Lawrence County | 61 | 33 | 15 | 24.6% |
| Cortland County | 60 | 31 | 20 | 33.3% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 3,444 applications in 2025, of which 2,316 were originated and 830 denied.
24.1% of all applications, or 26.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans AMERICU Credit Union originated in New York in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are AMERICU Credit Union's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology