Americu Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Americu Credit Union of Rome, NY reported 3,586 mortgage applications totaling $509.4 million, up 19% from 2024. The average application was for $142,060, and applicants reported an average income of $113,729. 65% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Syracuse, NY (1,458), Utica-Rome, NY (1,030) and Watertown-Fort Drum, NY (263) (applications in parentheses).
| Mortgage Company & Address | Americu Credit Union 1916 Black River Blvd. Rome, NY 13440 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,586 |
| Total Mortgage Loan Application Amount | $509,430,000 |
| Average Mortgage Loan Application Amount | $142,060 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $113,729 |
| Highest Applicant Income | $1,785,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Americu Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Syracuse, NY | 1,458 | $ 211,820,000 | $ 145,281 | $ 121,000 |
| Utica-Rome, NY | 1,030 | $ 139,710,000 | $ 135,640 | $ 102,000 |
| Outside any metro area | 570 | $ 73,440,000 | $ 128,842 | $ 106,194 |
| Watertown-Fort Drum, NY | 263 | $ 36,945,000 | $ 140,475 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 40 | $ 10,450,000 | $ 261,250 | $ 116,000 |
| Rochester, NY | 35 | $ 7,655,000 | $ 218,714 | $ 105,000 |
| Binghamton, NY | 19 | $ 3,255,000 | $ 171,315 | $ 81,000 |
| Glens Falls, NY | 15 | $ 4,045,000 | $ 269,666 | $ 165,000 |
| Nassau County-Suffolk County, NY | 13 | $ 2,395,000 | $ 184,230 | $ 263,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 12 | $ 1,500,000 | $ 125,000 | $ 96,000 |
| Ithaca, NY | 12 | $ 1,720,000 | $ 143,333 | $ 100,000 |
| Elmira, NY | 10 | $ 580,000 | $ 58,000 | $ 54,000 |
| New York-Jersey City-White Plains, NY-NJ | 8 | $ 2,620,000 | $ 327,500 | $ 228,750 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 7 | $ 1,755,000 | $ 250,714 | $ 161,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,255,000 | $ 179,285 | $ 175,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 280,000 | $ 70,000 | $ 114,000 |
| St. Petersburg-Clearwater-Largo, FL | 4 | $ 880,000 | $ 220,000 | $ 178,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 910,000 | $ 227,500 | $ 126,000 |
| Chicago-Naperville, IL | 3 | $ 195,000 | $ 65,000 | $ 87,000 |
| Greensboro-High Point, NC | 3 | $ 525,000 | $ 175,000 | $ 44,000 |
| San Diego-Carlsbad, CA | 3 | $ 155,000 | $ 51,666 | $ 101,000 |
| Cincinnati, OH-KY-IN | 2 | $ 260,000 | $ 130,000 | $ 85,000 |
| Dallas-Plano-Irving, TX | 2 | $ 170,000 | $ 85,000 | $ 194,000 |
| Duluth, MN-WI | 2 | $ 910,000 | $ 455,000 | $ 524,000 |
| Fort Worth-Arlington, TX | 2 | $ 120,000 | $ 60,000 | $ 362,000 |
| Joplin, MO | 2 | $ 30,000 | $ 15,000 | $ 38,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 40,000 | $ 20,000 | $ 73,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 80,000 | $ 40,000 | $ 56,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 190,000 | $ 95,000 | $ 143,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 50,000 | $ 25,000 | $ 122,000 |
| Port St. Lucie, FL | 2 | $ 910,000 | $ 455,000 | $ 189,000 |
| San Antonio-New Braunfels, TX | 2 | $ 160,000 | $ 80,000 | $ 145,000 |
| Akron, OH | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 355,000 | $ 355,000 | $ 380,000 |
| Appleton, WI | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 75,000 | $ 75,000 | $ 733,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Austin-Round Rock, TX | 1 | $ 85,000 | $ 85,000 | $ 130,000 |
| Camden, NJ | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 125,000 | $ 125,000 | $ 175,000 |
| Corpus Christi, TX | 1 | $ 65,000 | $ 65,000 | $ 145,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| El Paso, TX | 1 | $ 65,000 | $ 65,000 | $ 240,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 55,000 | $ 55,000 | $ 350,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 55,000 | $ 55,000 | $ 168,000 |
| Houma-Thibodaux, LA | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 45,000 | $ 45,000 | $ 124,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Jacksonville, FL | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| Kalamazoo-Portage, MI | 1 | $ 325,000 | $ 325,000 | $ 94,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 35,000 | $ 35,000 | $ 12,000 |
| Lakeland-Winter Haven, FL | 1 | $ 105,000 | $ 105,000 | $ 210,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Mansfield, OH | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Memphis, TN-MS-AR | 1 | $ 55,000 | $ 55,000 | $ 206,000 |
| Newark, NJ-PA | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 175,000 | $ 175,000 | $ 217,000 |
| Providence-Warwick, RI-MA | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Punta Gorda, FL | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Raleigh, NC | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Reading, PA | 1 | $ 15,000 | $ 15,000 | $ 105,000 |
| Savannah, GA | 1 | $ 65,000 | $ 65,000 | $ 115,000 |
| Sheboygan, WI | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Springfield, MA | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Tampa, FL | 1 | $ 65,000 | $ 65,000 | $ 146,000 |
| Terre Haute, IN | 1 | $ 45,000 | $ 45,000 | $ 304,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 15,000 | $ 15,000 | $ 113,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Washington, DC-MD | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Wichita Falls, TX | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| Wilmington, NC | 1 | $ 765,000 | $ 765,000 | $ 625,000 |
| York-Hanover, PA | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Americu Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,195 | $261,965,000 | $219,000 | $3,505,000 | $115,000 | $1,236,000 |
| Home Improvement | 1,042 | $97,490,000 | $93,000 | $805,000 | $115,000 | $878,000 |
| Other Purpose | 700 | $55,750,000 | $79,000 | $1,005,000 | $102,000 | $791,000 |
| Refinancing | 543 | $71,325,000 | $131,000 | $1,445,000 | $122,000 | $1,785,000 |
| Cash-out Refinancing | 106 | $22,900,000 | $216,000 | $785,000 | $122,000 | $613,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,928 | $395,000,000 | $134,000 | $1,005,000 | $114,000 | $1,785,000 |
| Not Provided | 215 | $31,785,000 | $147,000 | $705,000 | $117,000 | $430,000 |
| Hispanic | 132 | $17,650,000 | $133,000 | $535,000 | $116,000 | $1,026,000 |
| Black or African American | 123 | $16,185,000 | $131,000 | $545,000 | $101,000 | $1,236,000 |
| Asian | 82 | $16,880,000 | $205,000 | $805,000 | $129,000 | $919,000 |
| Not applicable | 68 | $27,080,000 | $398,000 | $3,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 31 | $3,685,000 | $118,000 | $505,000 | $101,000 | $567,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,165,000 | $166,000 | $385,000 | $120,000 | $290,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,242 | $441,330,000 | $136,000 | $3,505,000 | $116,000 | $1,785,000 |
| FHA-insured (Federal Housing Administration) | 273 | $49,485,000 | $181,000 | $495,000 | $85,000 | $578,000 |
| VA-guaranteed (Veterans Administration) | 61 | $16,855,000 | $276,000 | $485,000 | $140,000 | $1,236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,760,000 | $176,000 | $285,000 | $69,000 | $102,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,327 | $353,075,000 | $151,000 | $3,505,000 | $119,000 | $1,141,000 |
| Application Denied By Financial Institution | 924 | $104,090,000 | $112,000 | $2,235,000 | $99,000 | $1,236,000 |
| Application Withdrawn By Applicant | 330 | $51,120,000 | $154,000 | $715,000 | $117,000 | $1,785,000 |
| File Closed For Incompleteness | 4 | $1,110,000 | $277,000 | $445,000 | $110,000 | $148,000 |
| Preapproval Denied by Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $48,000 | $48,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,661 | $405,305,000 | $152,000 | $3,505,000 | $119,000 | $1,785,000 |
| Other | 304 | $25,720,000 | $84,000 | $2,235,000 | $98,000 | $1,026,000 |
| Credit History | 294 | $36,120,000 | $122,000 | $505,000 | $96,000 | $1,236,000 |
| Collateral | 159 | $19,065,000 | $119,000 | $805,000 | $128,000 | $919,000 |
| Debt-To-Income Ratio | 137 | $17,575,000 | $128,000 | $1,005,000 | $70,000 | $538,000 |
| Unverifiable Information | 13 | $2,735,000 | $210,000 | $505,000 | $135,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,275,000 | $182,000 | $365,000 | $56,000 | $67,000 |
| Employment History | 6 | $770,000 | $128,000 | $195,000 | $51,000 | $69,000 |
| Credit Application Incomplete | 5 | $865,000 | $173,000 | $245,000 | $88,000 | $154,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Americu Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Americu Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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