Americu Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Americu Credit Union of Rome, NY reported 3,022 mortgage applications totaling $425.0 million, up 20% from 2023. The average application was for $140,641, and applicants reported an average income of $110,030. 64% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Syracuse, NY (1,239), Utica-Rome, NY (863) and Watertown-Fort Drum, NY (268) (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 | 3,022 |
| Total Mortgage Loan Application Amount | $425,020,000 |
| Average Mortgage Loan Application Amount | $140,641 |
| Highest Mortgage Loan Application Amount | $23,805,000 |
| Average Applicant Income | $110,030 |
| 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Act (HMDA) records Americu Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,239 | $ 158,285,000 | $ 127,752 | $ 111,000 |
| Utica-Rome, NY | 863 | $ 96,925,000 | $ 112,311 | $ 103,000 |
| Outside any metro area | 472 | $ 59,590,000 | $ 126,250 | $ 110,148 |
| Watertown-Fort Drum, NY | 268 | $ 36,010,000 | $ 134,365 | $ 107,000 |
| Rochester, NY | 39 | $ 8,345,000 | $ 213,974 | $ 114,000 |
| Albany-Schenectady-Troy, NY | 30 | $ 10,570,000 | $ 352,333 | $ 113,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 17 | $ 41,295,000 | $ 2,429,117 | $ 136,000 |
| Ithaca, NY | 12 | $ 2,280,000 | $ 190,000 | $ 111,000 |
| Nassau County-Suffolk County, NY | 7 | $ 1,865,000 | $ 266,428 | $ 216,000 |
| Binghamton, NY | 6 | $ 700,000 | $ 116,666 | $ 105,000 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 1,620,000 | $ 270,000 | $ 206,000 |
| Elmira, NY | 3 | $ 625,000 | $ 208,333 | $ 79,000 |
| Glens Falls, NY | 3 | $ 835,000 | $ 278,333 | $ 114,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 285,000 | $ 95,000 | $ 156,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 140,000 | $ 70,000 | $ 72,000 |
| Dallas-Plano-Irving, TX | 2 | $ 230,000 | $ 115,000 | $ 199,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 310,000 | $ 155,000 | $ 217,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 210,000 | $ 105,000 | $ 71,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 220,000 | $ 110,000 | $ 98,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 40,000 | $ 20,000 | $ 87,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 210,000 | $ 105,000 | $ 230,000 |
| Albuquerque, NM | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Appleton, WI | 1 | $ 55,000 | $ 55,000 | $ 163,000 |
| Auburn-Opelika, AL | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Bangor, ME | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Bowling Green, KY | 1 | $ 5,000 | $ 5,000 | $ 11,000 |
| Camden, NJ | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Chicago-Naperville, IL | 1 | $ 45,000 | $ 45,000 | $ 115,000 |
| Chico, CA | 1 | $ 125,000 | $ 125,000 | $ 275,000 |
| Columbus, GA-AL | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 15,000 | $ 15,000 | $ 195,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Fresno, CA | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Grants Pass, OR | 1 | $ 155,000 | $ 155,000 | $ 284,000 |
| Harrisburg-Carlisle, PA | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Hattiesburg, MS | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Huntsville, AL | 1 | $ 95,000 | $ 95,000 | $ 271,000 |
| Jacksonville, FL | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Kansas City, MO-KS | 1 | $ 35,000 | $ 35,000 | $ 285,000 |
| Kingston, NY | 1 | $ 395,000 | $ 395,000 | $ 102,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| Marietta, GA | 1 | $ 305,000 | $ 305,000 | $ 1,200,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 85,000 | $ 85,000 | $ 125,000 |
| Modesto, CA | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Newark, NJ-PA | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 65,000 | $ 65,000 | $ 103,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 55,000 | $ 55,000 | $ 185,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 235,000 | $ 235,000 | $ 144,000 |
| Pittsburgh, PA | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Raleigh, NC | 1 | $ 75,000 | $ 75,000 | $ 176,000 |
| San Antonio-New Braunfels, TX | 1 | $ 65,000 | $ 65,000 | $ 185,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Tacoma-Lakewood, WA | 1 | $ 835,000 | $ 835,000 | $ 102,000 |
| Visalia-Porterville, CA | 1 | $ 105,000 | $ 105,000 | $ 134,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Wausau, WI | 1 | $ 5,000 | $ 5,000 | $ 188,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for Americu Credit Union in 2024
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 | 920 | $219,300,000 | $238,000 | $23,805,000 | $113,000 | $1,459,000 |
| Home Improvement | 826 | $67,570,000 | $81,000 | $605,000 | $111,000 | $1,200,000 |
| Other Purpose | 735 | $51,915,000 | $70,000 | $505,000 | $100,000 | $483,000 |
| Refinancing | 451 | $68,585,000 | $152,000 | $9,995,000 | $115,000 | $610,000 |
| Cash-out Refinancing | 88 | $16,870,000 | $191,000 | $775,000 | $126,000 | $1,785,000 |
| Not Applicable | 2 | $780,000 | $390,000 | $495,000 | $207,000 | $207,000 |
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 | 2,502 | $299,700,000 | $119,000 | $835,000 | $111,000 | $1,785,000 |
| Not Provided | 135 | $18,965,000 | $140,000 | $475,000 | $102,000 | $409,000 |
| Black or African American | 117 | $12,815,000 | $109,000 | $585,000 | $98,000 | $1,200,000 |
| Hispanic | 105 | $45,835,000 | $436,000 | $23,805,000 | $110,000 | $700,000 |
| Not applicable | 72 | $34,360,000 | $477,000 | $2,205,000 | $0 | $0 |
| Asian | 58 | $9,860,000 | $170,000 | $705,000 | $116,000 | $800,000 |
| American Indian or Alaskan Native | 27 | $2,855,000 | $105,000 | $395,000 | $75,000 | $134,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $630,000 | $105,000 | $325,000 | $100,000 | $171,000 |
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) | 2,753 | $376,295,000 | $136,000 | $23,805,000 | $112,000 | $1,785,000 |
| FHA-insured (Federal Housing Administration) | 221 | $37,425,000 | $169,000 | $455,000 | $81,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 43 | $10,615,000 | $246,000 | $585,000 | $112,000 | $241,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $685,000 | $137,000 | $215,000 | $63,000 | $99,000 |
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 | 1,921 | $268,465,000 | $139,000 | $2,205,000 | $117,000 | $1,785,000 |
| Application Denied By Financial Institution | 782 | $106,470,000 | $136,000 | $23,805,000 | $94,000 | $1,272,000 |
| Application Withdrawn By Applicant | 261 | $39,225,000 | $150,000 | $735,000 | $105,000 | $840,000 |
| Preapproval Denied by Financial Institution | 58 | $10,860,000 | $187,000 | $675,000 | $88,000 | $700,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 2,182 | $307,690,000 | $141,000 | $2,205,000 | $116,000 | $1,785,000 |
| Credit History | 336 | $29,590,000 | $88,000 | $425,000 | $93,000 | $1,272,000 |
| Other | 204 | $50,800,000 | $249,000 | $23,805,000 | $97,000 | $490,000 |
| Debt-To-Income Ratio | 155 | $18,565,000 | $119,000 | $705,000 | $66,000 | $374,000 |
| Collateral | 121 | $13,645,000 | $112,000 | $835,000 | $124,000 | $1,200,000 |
| Employment History | 7 | $985,000 | $140,000 | $305,000 | $95,000 | $154,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,495,000 | $356,000 | $775,000 | $57,000 | $71,000 |
| Unverifiable Information | 6 | $840,000 | $140,000 | $275,000 | $191,000 | $360,000 |
| Credit Application Incomplete | 4 | $410,000 | $102,000 | $185,000 | $65,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Americu Credit Union's 2024 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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