AMERICHOICE Federal Credit Union
AMERICHOICE Federal Credit Union received 180 applications in 2025 and made 125 mortgages, in 27 counties across 11 states. The median rate its borrowers got was 6.490% on a median loan of $75,000. Of 157 decisions, 28 were denials — 17.8%, most often for debt-to-income ratio. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930047YMR4VOMFGS35 |
|---|---|
| Applications received | 180 |
| Mortgages made | 125 |
| Denied | 28 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.391 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 | 10 | Not published | $240,000 | 0.0% |
| Refinancing | 31 | 6.490% | $75,000 | 20.5% |
| Cash-out refinancing | 16 | Not published | $235,000 | 0.0% |
| Other purposes | 68 | 6.465% | $55,000 | 21.7% |
Where AMERICHOICE Federal Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cumberland County, PA | 47 | 6.490% | 5.9% |
| York County, PA | 42 | 6.440% | 19.2% |
| Dauphin County, PA | 11 | 6.490% | 29.4% |
| Perry County, PA | 4 | Under 10 loans | 25.0% |
| Adams County, PA | 3 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 1 | Under 10 loans | 0.0% |
| Madison County, MT | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Lincoln County, NC | 1 | Under 10 loans | 0.0% |
| Licking County, OH | 1 | Under 10 loans | 0.0% |
| Centre County, PA | 1 | Under 10 loans | 0.0% |
| Franklin County, PA | 1 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 66.7% |
| Lancaster County, NE | 0 | Under 10 loans | 100.0% |
| Atlantic County, NJ | 0 | Under 10 loans | 100.0% |
| Juniata County, PA | 0 | Under 10 loans | 100.0% |
| Lebanon County, PA | 0 | Under 10 loans | 100.0% |
| Schuylkill County, PA | 0 | Under 10 loans | Not published |
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When AMERICHOICE Federal 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.