AMERICA'S CREDIT UNION, A
AMERICA'S CREDIT UNION, A received 297 applications in 2025 and made 165 mortgages, in 29 counties across 4 states. The median rate its borrowers got was 6.750% on a median loan of $165,000. Of 184 decisions, 10 were denials — 5.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930083D8Q8RK84Y448 |
|---|---|
| Applications received | 297 |
| Mortgages made | 165 |
| Denied | 10 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 113 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.078 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 25 | 6.240% | $465,000 | 0.0% |
| Refinancing | 35 | 6.750% | $175,000 | 0.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 103 | 7.000% | $125,000 | 8.3% |
Where AMERICA'S CREDIT UNION, A lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pierce County, WA | 85 | 7.000% | 6.3% |
| Thurston County, WA | 40 | 7.125% | 4.6% |
| King County, WA | 9 | Under 10 loans | 8.3% |
| Snohomish County, WA | 7 | Under 10 loans | 12.5% |
| Kitsap County, WA | 3 | Under 10 loans | 0.0% |
| Boundary County, ID | 2 | Under 10 loans | 0.0% |
| Clark County, WA | 2 | Under 10 loans | 0.0% |
| Lewis County, WA | 2 | Under 10 loans | 0.0% |
| Bonner County, ID | 1 | Under 10 loans | 0.0% |
| Payette County, ID | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Clallam County, WA | 1 | Under 10 loans | 0.0% |
| Cowlitz County, WA | 1 | Under 10 loans | 0.0% |
| Douglas County, WA | 1 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 1 | Under 10 loans | 0.0% |
| Kittitas County, WA | 1 | Under 10 loans | 0.0% |
| Lincoln County, WA | 1 | Under 10 loans | 0.0% |
| Mason County, WA | 1 | Under 10 loans | 0.0% |
| Pacific County, WA | 1 | Under 10 loans | 0.0% |
| Whatcom County, WA | 1 | Under 10 loans | 0.0% |
| Yakima County, WA | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | Not published |
| Polk County, OR | 0 | Under 10 loans | Not published |
| Umatilla County, OR | 0 | Under 10 loans | Not published |
| Washington County, OR | 0 | Under 10 loans | Not published |
| Grant County, WA | 0 | Under 10 loans | Not published |
| Spokane County, WA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.