AMERICA'S CREDIT UNION
AMERICA'S CREDIT UNION received 99 applications in 2025 and made 61 mortgages, in 21 counties across 4 states. The median rate its borrowers got was 6.625% on a median loan of $185,000. Of 78 decisions, 15 were denials — 19.2%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900H6Q0VRU6MPSX83 |
|---|---|
| Applications received | 99 |
| Mortgages made | 61 |
| Denied | 15 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.146 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 | 11 | Not published | $265,000 | 7.7% |
| Refinancing | 17 | 6.625% | $155,000 | 21.7% |
| Cash-out refinancing | 19 | 7.125% | $195,000 | 17.4% |
| Other purposes | 14 | Not published | $75,000 | 26.3% |
Where AMERICA'S CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dallas County, TX | 32 | 7.125% | 17.5% |
| Collin County, TX | 12 | Not published | 7.7% |
| Greene County, MO | 5 | Under 10 loans | 0.0% |
| Rockwall County, TX | 4 | Under 10 loans | 20.0% |
| Polk County, MO | 2 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 66.7% |
| Ellis County, TX | 1 | Under 10 loans | 50.0% |
| Grayson County, TX | 1 | Under 10 loans | 0.0% |
| Hunt County, TX | 1 | Under 10 loans | 0.0% |
| Van Zandt County, TX | 1 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 0 | Under 10 loans | Not published |
| Howard County, MD | 0 | Under 10 loans | Not published |
| Christian County, MO | 0 | Under 10 loans | Not published |
| Harris County, TX | 0 | Under 10 loans | 0.0% |
| Jones County, TX | 0 | Under 10 loans | Not published |
| Kaufman County, TX | 0 | Under 10 loans | 100.0% |
| McLennan County, TX | 0 | Under 10 loans | Not published |
| Tarrant County, TX | 0 | Under 10 loans | 100.0% |
| Taylor County, TX | 0 | Under 10 loans | Not published |
| Wise County, TX | 0 | Under 10 loans | 100.0% |
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When AMERICA'S CREDIT UNION’s figures are published for the next year, or restated.
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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.